Compare HDFC Bank Millennia and RBL Bank Apex 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.
RBL Bank
2% cashback on flights, hotels, shopping and vouchers through the RBL Rewards portal; 1% on other eligible purchases
Annual fee: ₹1,000 + GST
Joining fee: ₹1,000 + GST first-year membership fee
Network: Issuer-selected variant
RBL Bank Apex is a paid card focused on straightforward cashback, shopping rewards and online spending, charging ₹1,000 annually before GST.
Facts were last checked 2026-10-11. Follow each card page to the linked issuer terms before applying.