Which card has the lower annual fee?

HDFC Bharat Cashback Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).

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 Bharat Cashback Credit Card lists a minimum monthly income of ₹15,000.

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 Bharat Cashback Credit Card vs HDFC Millennia Credit Card

Honest side-by-side comparison of HDFC Bharat Cashback 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 Bharat Cashback Credit Card by about ₹3,400/yr in estimated net value.

HDFC Bharat Cashback Credit Card vs HDFC Millennia Credit Card comparison table
Feature	HDFC Bharat Cashback Credit Card HDFC Bank	HDFC Millennia Credit Card HDFC Bank
Annual fee	₹0	₹1,000
Min income (monthly)	₹15,000	₹35,000
Top reward rate	5% cashback	5%
Net annual value (moderate spend)	₹5,430/yr	₹8,830/yr
Secured / FD-backed	No	No
Signup bonus	—	₹1,000

Frequently asked questions

Which card has the lower annual fee?: HDFC Bharat Cashback Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
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 Bharat Cashback Credit Card lists a minimum monthly income of ₹15,000.
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

Card 2

Card 3

Your adjusted comparison

Feature	HDFC BankClassic HDFC Bharat Cashback Credit Card •••• •••• •••• 4242 Quick facts HDFC Bharat Cashback Credit Card Top reward5% cashback Annual feeLifetime Free Min income₹15,000/mo Tap to flip back HDFC Bharat Cashback 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
Annual fee	₹0	₹1,000
Min income	₹15,000	₹35,000
Top reward rate	5% cashback	5%
Net value (moderate)	₹5,430/yr	₹8,830/yr
Secured / no bureau	Standard	Standard
Signup bonus	—	₹1,000

HDFC Bharat Cashback Credit Card details →HDFC Millennia Credit Card details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HDFC Bharat Cashback Credit Card comparisons