HDFC Bank Freedom Credit Card vs HDFC Bank Millennia Credit Card: fees, rewards and APR compared - DebitCue Skip to content
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HDFC Bank Freedom Credit Card vs HDFC Bank Millennia Credit Card

Compare HDFC Bank Freedom Credit Card and HDFC Bank Millennia Credit Card side by side: fees, rewards, APR, and perks.

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Compared side by side

Cells with a check mark are the stronger value in that row. Ties stay unmarked.

HDFC Bank Freedom Credit Card versus HDFC Bank Millennia Credit Card compared by attribute
Feature HDFC Bank Freedom Credit Card HDFC Bank Millennia Credit Card
Card fee ₹500 INR/yr (≈ $6) ₹1,000 INR/yr (≈ $12)
Purchase APR (from) 45% 43.2%
Interest-free period 50 days 50 days
Foreign transaction fee 3.5% 3.5%
Rewards 10x CashPoints on BigBasket, BookMyShow, OYO, Swiggy, Uber (max 2,500 CashPoints/month); 1 CashPoint per ₹200 on all other spends; 1 CashPoint = ₹0.15 5% cashback on Amazon, Flipkart, BookMyShow, Cult.fit, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, Zomato; 1% on all other spends; cashback capped at 3,000 CashPoints/month
Installments - -
No card fee - -
No foreign transaction fee - -
Welcome bonus
Airport lounge access - -
Travel insurance - -
Apple Pay / Google Pay - -

Which is right for you

Pick by how you spend

  • Choose the HDFC Bank Freedom Credit Card if its checked rows above line up with how you spend most.
  • Choose the HDFC Bank Millennia Credit Card if it wins on the features that matter most to you.
  • Still unsure? Read each full review below, then apply on the issuer's secure site.
Full review HDFC Bank Freedom Credit Card Full review HDFC Bank Millennia Credit Card

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