vs
In short: HDFC Millennia has the lower annual fee (₹1,000 vs ₹1,499); HDFC Tata Neu Infinity has the lower forex markup (2% vs 3.5%).
| Key facts | HDFC Millennia | HDFC Tata Neu Infinity |
|---|---|---|
| Annual fee | ₹1,000 | ₹1,499 |
| Joining fee | ₹1,000 | ₹1,499 |
| Annual fee waived | On ₹1 lakh annual spend | On ₹3 lakh annual spend |
| Top reward rate | 5% cashback on Amazon, Flipkart, Swiggy and 7 more | 5% Back as NeuCoins on Non-EMI Spends on Tata Neu |
| Base rewards | 1% Cashback on All Other Spends | 1.5% Back as NeuCoins on Non-Tata Brands |
| Lounge access | Not listed | 2 airport lounge visits a quarter |
| Forex markup | 3.5% | 2% |
From issuer benefit data, checked 27 Oct 2026. Milestones, welcome benefits and caps are in the full table below.
On ₹20,000 a month with ₹5,000 at each card's top rate, HDFC Tata Neu Infinity returns about ₹401 more a year after annual fees (₹5,700 vs ₹4,800 in rewards).
| Spend profile | HDFC Millennia | HDFC Tata Neu Infinity |
|---|---|---|
| Reward value: top rate / base rate | 5% / 1% | 5% / 1.5% |
| ₹20,000 a month, all general spends | ₹2,400 | ₹3,600 |
| ₹20,000 a month, ₹5,000 of it at each card's top rate | ₹4,800 | ₹5,700 |
| Annual fee | ₹1,000 | ₹1,499 |
Estimates from the earn rates above, with stated cashback caps applied, before exclusions. Reward points are valued at the card's best listed redemption (often travel or vouchers via the bank's portal); cash-back on the statement is usually worth less. Annual fees may be waived on spend (see the table below).
Hdfc Bank Millennia Credit Card Visa and Tata Neu Infinity Hdfc Bank Credit Card both offer attractive cashback and rewards, but differ significantly in fees, lounge access, and forex charges. The Millennia card focuses on high cashback rates on popular e-commerce and food platforms, while the Tata Neu Infinity card rewards Tata ecosystem spends and offers lounge benefits. Your choice depends on your spending habits, travel needs, and fee sensitivity.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
Last updated:
| Feature | Hdfc Bank Millennia Credit Card Visa | Tata Neu Infinity Hdfc Bank Credit Card |
|---|---|---|
| Bank | HDFC Bank | HDFC Bank |
| Network | Visa | Visa |
| Joining fee | Joining Fee of Rs.1000 | Joining Fee of Rs.1499 |
| Annual / renewal fee | Renewal Fee of Rs. 1000 | Renewal Fee of Rs.1499 |
| Annual fee waiver | Spend Rs.1 Lakh For Renewal Fee Waiver | Spend Rs.300000 For Renewal Fee Waiver |
| Top reward rate | 5% cashback on Amazon, Flipkart, Swiggy and 7 more | 5% Back as NeuCoins on Non-EMI Spends on Tata Neu |
| Base rate (other spends) | 1% Cashback on All Other Spends | 1.5% Back as NeuCoins on Non-Tata Brands |
| Lounge — domestic | — | 2 Complimentary Airport Lounge Access Per Quarter |
| Lounge — international | — | 1 Complimentary Airport Lounge Access Outside India |
| Fuel surcharge waiver | 1% Fuel Surcharge Waiver | 1% Fuel Surcharge Waiver |
| Welcome benefit | Welcome Benefit - Rs.1000 CashPoints | Welcome Benefit of 1499 NeuCoins |
| Milestone benefit | Rs.1000 Worth Gift Vouchers on Spends of Rs.1 Lakh | — |
| Foreign currency markup | 3.50% - Foreign Currency Transactions | 2% - Foreign Currency Transactions |
For rewards, the Tata Neu Infinity card provides a better overall return with a 5% back as NeuCoins on Tata Neu spends and 1.5% on other spends, compared to Millennia's 5% cashback on select brands and 1% on others. At Rs.20,000 monthly spend, Tata Neu Infinity yields about Rs.5,700 annually versus Rs.4,800 for Millennia. However, Millennia’s cashback is straightforward, while Tata Neu rewards are in NeuCoins, which may require redemption within the Tata ecosystem.
Tata Neu Infinity clearly leads on travel benefits, offering 2 complimentary domestic airport lounge visits per quarter and 1 international lounge access annually, which is not listed in our data for Millennia. Additionally, Tata Neu Infinity has a lower forex markup of 2% compared to Millennia’s 3.5%, making it more cost-effective for foreign currency transactions.
Millennia has a lower joining and renewal fee of Rs.1,000 each, with a renewal fee waiver on spending Rs.1 lakh, whereas Tata Neu Infinity charges Rs.1,499 for both joining and renewal, with a higher waiver threshold of Rs.3 lakh. If you prefer lower fees and easier waiver conditions, Millennia is more suitable, but Tata Neu’s additional benefits may justify its higher cost for some users.
Millennia offers direct cashback with a top rate of 5% on select brands and 1% otherwise, making rewards easy to understand and redeem. Tata Neu Infinity rewards are given as NeuCoins, which require redemption within Tata’s platforms, adding a layer of complexity but potentially more value for Tata loyalists.
Millennia’s renewal fee waiver is simpler with a Rs.1 lakh spend requirement, while Tata Neu Infinity demands Rs.3 lakh annually, which may be challenging for moderate spenders. This difference impacts the effective cost of ownership significantly.
Tata Neu Infinity provides multiple complimentary airport lounge accesses both domestically and internationally, along with a lower forex markup of 2%, making it better suited for frequent travelers. Millennia’s forex markup is higher at 3.5%, which increases foreign transaction costs.
Consider Hdfc Bank Millennia Credit Card Visa if you want straightforward cashback on popular online and food platforms with a lower joining and renewal fee. It suits users who spend moderately and prefer simpler rewards without the need for ecosystem-specific redemptions. Also, if you want a lower forex markup than typical cards but can forgo lounge access, this card fits well.
Consider Tata Neu Infinity Hdfc Bank Credit Card if you frequently shop within the Tata ecosystem or want enhanced travel perks like domestic and international lounge access. Its higher base reward rate and lower forex markup benefit those with diverse spends and travel needs. Despite a higher fee, the card rewards heavy spenders with better overall value, especially if you can meet the Rs.3 lakh waiver requirement.
Hdfc Bank Millennia Credit Card Visa charges Rs.1,000 for both joining and renewal, while Tata Neu Infinity Hdfc Bank Credit Card charges Rs.1,499 each for joining and renewal.
Millennia waives the renewal fee if you spend Rs.1 lakh annually, whereas Tata Neu Infinity requires Rs.3 lakh in annual spend for the waiver.
Tata Neu Infinity offers 1.5% back as NeuCoins on non-Tata brand spends, higher than Millennia’s 1% cashback on all other spends.
Tata Neu Infinity provides 2 complimentary domestic lounge visits per quarter and 1 international lounge access annually. Lounge access is not listed in our data for Millennia.
Millennia charges a 3.5% forex markup on foreign currency transactions, whereas Tata Neu Infinity charges 2%.
Rewards on Tata Neu Infinity are given as NeuCoins, which typically need to be redeemed within Tata’s platforms, unlike Millennia’s straightforward cashback.