Compare HDFC Bank Millennia and IDFC FIRST Hello Cashback on annual fees, joining fees, rewards, benefits and important limitations.
HDFC Bank
5% CashBack Points on eligible partner merchants and 1% on other eligible spends
Annual fee: ₹1,000 + GST (waived on ₹1 lakh eligible annual spend)
Joining fee: ₹1,000 + GST
Network: Issuer-selected variant
HDFC Bank Millennia is a paid card focused on straightforward cashback, shopping rewards and online spending, charging ₹1,000 annually before GST.
IDFC FIRST Bank
3% on eligible online spends up to ₹10,000 per cycle; 5% on incremental online spend above ₹10,000
Annual fee: ₹1,000 + GST (waived on ₹2 lakh eligible annual spend)
Joining fee: ₹1,000 + GST standard fee; ₹0 joining offer until 31 October 2026
Network: RuPay
IDFC FIRST Hello Cashback is a secured card for people building or rebuilding credit while keeping rewards secondary to access.
Facts were last checked 2026-10-11. Follow each card page to the linked issuer terms before applying.