Side-by-side · honest numbers
HDFC Millennia Credit Card vs Kotak White Credit Card
Honest side-by-side comparison of HDFC Millennia Credit Card, Kotak White Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
Same spend profile for all cards. How we calculate net annual value
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Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
HDFC Millennia Credit Card
HDFC Bank
Kotak White Credit Card
Kotak Mahindra Bank
Your adjusted comparison
| Feature | HDFC Millennia Credit Card HDFC Bank | Kotak White Credit Card Kotak Mahindra Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹1,000 | ₹3,000 |
| Fee waiver threshold | Waived at ₹1,00,000/yr spend | ₹4,00,000/yr |
| Min income | ₹35,000/mo | ₹50,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹6,300/yr | -₹3,420/yr |
| Online shopping | ₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹1,000/mo | — |
| Travel | — | ₹3,000 → 40 pts/mo × ₹0.25/pt = ₹10/mo (₹120/yr) |
| Top reward rate | 5% | 2X reward points |
| Primary reward cap | ₹1,000 rewards/mo cap | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | Milestone domestic lounge — up to 4/year · No standalone lounge. On ₹1,00,000 spend per calendar quarter you may pick one domestic airport lounge voucher OR a ₹1,000 brand voucher (not both) | 8 domestic (2/quarter) + 4 international/year (Priority Pass) · Domestic lounge gated on ₹1,00,000 spend per quarter (from Jun 2025) |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet · Government | EMI · Fuel · Rent |
| Bonuses | ||
| Signup bonus | ₹1,000 | — |
Stack mode (hold both)
Holding both may not beat using only the better solo card on this spend.
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https://cardhungry.com/in/en/compare/hdfc-millennia-vs-kotak-whiteReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, HDFC Millennia Credit Card leads Kotak White Credit Card by about ₹9,720/yr in estimated net value.
Spend assumptions for this table
Moderate user spend profile · ₹31,000/mo
₹31,000/month total spend — typical India user
Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500
| Feature | HDFC Millennia Credit Card HDFC Bank | Kotak White Credit Card Kotak Mahindra Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹1,000 | ₹3,000 |
| Fee waiver threshold | Waived at ₹1,00,000/yr spend | ₹4,00,000/yr |
| Min income | ₹35,000/mo | ₹50,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹6,300/yr | -₹3,420/yr |
| Online shopping | ₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹1,000/mo | — |
| Travel | — | ₹3,000 → 40 pts/mo × ₹0.25/pt = ₹10/mo (₹120/yr) |
| Top reward rate | 5% | 2X reward points |
| Primary reward cap | ₹1,000 rewards/mo cap | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | Milestone domestic lounge — up to 4/year · No standalone lounge. On ₹1,00,000 spend per calendar quarter you may pick one domestic airport lounge voucher OR a ₹1,000 brand voucher (not both) | 8 domestic (2/quarter) + 4 international/year (Priority Pass) · Domestic lounge gated on ₹1,00,000 spend per quarter (from Jun 2025) |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet · Government | EMI · Fuel · Rent |
| Bonuses | ||
| Signup bonus | ₹1,000 | — |
Frequently asked questions
- Which card has the lower annual fee?
- HDFC Millennia Credit Card has the lowest annual fee at ₹1,000.
- Which card earns more on moderate spend?
- HDFC Millennia Credit Card leads with an estimated ₹6,300/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- HDFC Millennia Credit Card lists a minimum monthly income of ₹35,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
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