Which card has the lower annual fee?

HDFC 6E Rewards Credit Card has the lowest annual fee at ₹500.

Which card earns more on moderate spend?

HDFC Millennia Credit Card leads with an estimated ₹8,830/yr net annual value on moderate spend.

Which card has the lower income requirement?

HDFC 6E Rewards Credit Card lists a minimum monthly income of ₹25,000.

Does this comparison pull my credit score?

No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Side-by-side · honest numbers

HDFC 6E Rewards Credit Card vs HDFC Millennia Credit Card

Honest side-by-side comparison of HDFC 6E Rewards Credit Card, HDFC Millennia Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

At a glance (moderate spend)

Quick verdict: On moderate spend, HDFC Millennia Credit Card leads HDFC 6E Rewards Credit Card by about ₹8,450/yr in estimated net value.

HDFC 6E Rewards Credit Card vs HDFC Millennia Credit Card comparison table
Feature	HDFC 6E Rewards Credit Card HDFC Bank	HDFC Millennia Credit Card HDFC Bank
Fees & eligibility
Annual fee	₹500	₹1,000
Fee waiver threshold	Waived at ₹2,00,000/yr spend	Waived at ₹1,00,000/yr spend
Min income	₹25,000/mo	₹35,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹380/yr	₹8,830/yr
Online shopping	—	5% cashback → ₹500/mo (₹6,000/yr)
Travel	5 pts per ₹150 spend → ₹42/mo (₹500/yr)	—
Top reward rate	5X reward points	5%
Primary reward cap	No monthly cap published	₹1,000 eligible spend/mo
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet	EMI · Fuel · Rent · Wallet · Government
Bonuses
Signup bonus	—	₹1,000

Frequently asked questions

Which card has the lower annual fee?: HDFC 6E Rewards Credit Card has the lowest annual fee at ₹500.
Which card earns more on moderate spend?: HDFC Millennia Credit Card leads with an estimated ₹8,830/yr net annual value on moderate spend.
Which card has the lower income requirement?: HDFC 6E Rewards Credit Card lists a minimum monthly income of ₹25,000.
Does this comparison pull my credit score?: No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Customize your spend

Change spend profile or swap cards — results update live below.

Card 1

HDFC 6E Rewards Credit Card

HDFC Bank

Card 2

HDFC Millennia Credit Card

HDFC Bank

Your adjusted comparison

Feature	HDFC BankPlatinum HDFC 6E Rewards Credit Card •••• •••• •••• 4242 Quick facts HDFC 6E Rewards Credit Card Top reward5X reward points Annual fee₹500 Min income₹25,000/mo Tap to flip back HDFC 6E Rewards Credit Card HDFC Bank	HDFC BankGold HDFC Millennia Credit Card •••• •••• •••• 4242 Quick facts HDFC Millennia Credit Card Top reward5% Annual fee₹1,000 Min income₹35,000/mo Tap to flip back HDFC Millennia Credit Card HDFC Bank
Fees & eligibility
Annual fee	₹500	₹1,000
Fee waiver threshold	Waived at ₹2,00,000/yr spend	Waived at ₹1,00,000/yr spend
Min income	₹25,000/mo	₹35,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹380/yr	₹8,830/yr
Online shopping	—	5% cashback → ₹500/mo (₹6,000/yr)
Travel	5 pts per ₹150 spend → ₹42/mo (₹500/yr)	—
Top reward rate	5X reward points	5%
Primary reward cap	No monthly cap published	₹1,000 eligible spend/mo
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet	EMI · Fuel · Rent · Wallet · Government
Bonuses
Signup bonus	—	₹1,000

HDFC 6E Rewards Credit Card details →HDFC Millennia Credit Card details →

Share this comparison

https://cardhungry.com/in/en/compare/hdfc-6e-rewards-vs-hdfc-millennia

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HDFC 6E Rewards Credit Card comparisons