Side-by-side · honest numbers
HDFC Millennia Credit Card vs IndusInd Bank Pinnacle Credit Card vs Kotak Royale Signature Credit Card
Honest side-by-side comparison of HDFC Millennia Credit Card, IndusInd Bank Pinnacle Credit Card, Kotak Royale Signature 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 ranks first for estimated net annual value — ahead of Kotak Royale Signature Credit Card by about ₹8,690/yr.
| Feature | HDFC Millennia Credit Card HDFC Bank | IndusInd Bank Pinnacle Credit Card IndusInd Bank | Kotak Royale Signature Credit Card Kotak Mahindra Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹1,000 | ₹10,000 | ₹999 |
| Fee waiver threshold | Waived at ₹1,00,000/yr spend | No waiver published | Waived at ₹1,00,000/yr spend |
| Min income | ₹35,000/mo | ₹75,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹8,830/yr | -₹7,075/yr | ₹140/yr |
| Online shopping | 5% cashback → ₹500/mo (₹6,000/yr) | — | — |
| Fuel | — | — | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) |
| Travel | — | 3 pts per ₹150 spend → ₹75/mo (₹900/yr) | — |
| Top reward rate | 5% | 3X points/₹150 | 2X reward points |
| Primary reward cap | ₹1,000 eligible spend/mo | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Unlimited domestic lounge access · No quarterly spend gate stated — complimentary with Pinnacle tier | Limited domestic lounge visits — verify on issuer site |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet · Government | EMI · Fuel · Rent | EMI · Rent · Wallet |
| Bonuses | |||
| Signup bonus | ₹1,000 | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- Kotak Royale Signature Credit Card has the lowest annual fee at ₹999.
- 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?
- Kotak Royale Signature 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.
HDFC Millennia Credit Card
HDFC Bank
IndusInd Bank Pinnacle Credit Card
IndusInd Bank
Kotak Royale Signature Credit Card
Kotak Mahindra Bank
Your adjusted comparison
| Feature | 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 | IndusInd BankPlatinum IndusInd Bank Pinnacle Credit Card •••• •••• •••• 4242 Quick facts IndusInd Bank Pinnacle Credit Card Top reward3X points/₹150 Annual fee₹10,000 Min income₹75,000/mo Tap to flip back IndusInd Bank Pinnacle Credit Card IndusInd Bank | Kotak Mahindra BankSignature Kotak Royale Signature Credit Card •••• •••• •••• 4242 Quick facts Kotak Royale Signature Credit Card Top reward2X reward points Annual fee₹999 Min income₹25,000/mo Tap to flip back Kotak Royale Signature Credit Card Kotak Mahindra Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹1,000 | ₹10,000 | ₹999 |
| Fee waiver threshold | Waived at ₹1,00,000/yr spend | No waiver published | Waived at ₹1,00,000/yr spend |
| Min income | ₹35,000/mo | ₹75,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹8,830/yr | -₹7,075/yr | ₹140/yr |
| Online shopping | 5% cashback → ₹500/mo (₹6,000/yr) | — | — |
| Fuel | — | — | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) |
| Travel | — | 3 pts per ₹150 spend → ₹75/mo (₹900/yr) | — |
| Top reward rate | 5% | 3X points/₹150 | 2X reward points |
| Primary reward cap | ₹1,000 eligible spend/mo | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Unlimited domestic lounge access · No quarterly spend gate stated — complimentary with Pinnacle tier | Limited domestic lounge visits — verify on issuer site |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet · Government | EMI · Fuel · Rent | EMI · Rent · Wallet |
| Bonuses | |||
| Signup bonus | ₹1,000 | — | — |
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https://cardhungry.com/in/en/compare/hdfc-millennia-vs-indusind-pinnacle-vs-kotak-royaleMore HDFC Millennia Credit Card comparisons
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