Compare HDFC Millennia and Tata Neu Infinity: eligible rewards, fee waivers, exclusions and lounge conditions. See dated issuer sources and a spending scenario.
Core-card upgrades and co-brand-to-core conversions are subject to HDFC policy and individual eligibility. No blanket upgrade prohibition is established by the reviewed sources.
HDFC Bank Millennia is a paid card focused on straightforward cashback, shopping rewards and online spending, charging ₹1,000 annually before GST.
Apply for HDFC Millennia →
Tata Neu Infinity HDFC Bank Credit Card is a paid card focused on shopping rewards, online spending and reward points, charging ₹1,499 annually before GST.
Apply for Tata Neu Infinity →Issuer MITC link checked: HDFC Millennia: 2026-10-29, Tata Neu Infinity: 2026-10-29 | No Sponsored Ranking. Issuer record checked: HDFC Millennia: 2026-10-11, Tata Neu Infinity: 2026-10-09. Link checks confirm document availability, not a complete re-audit of every product rule.
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Illustration: equal eligible spending in each of 12 months / statement cycles, no refunds and no prior cap usage. Different merchant baskets may apply to each card; read both assumptions. Rewards are cash-equivalent estimates, not profit or guaranteed savings.
Online scenario means listed 5% merchants only. CashPoints valued at ₹1 for statement redemption; redemption fee, minimum balance and timing are excluded.
Reward rates, caps or redemption value are not sufficiently structured for an exact rupee estimate. This is not a zero-reward claim.
Excludes borrowing interest, redemption charges, extra transaction fees, vouchers, welcome gifts, lounge valuations, FX conversion and paid plans. Selecting Travel / Forex does not assume every travel booking is an overseas transaction. Waiver-eligible spend can differ from reward-eligible spend: this simplified scenario assumes all entered spend counts toward the displayed renewal threshold. Confirm the issuer's exact threshold boundary.
Not verified means unknown, not eligible or excluded. The sourced wording below distinguishes reward exclusions from waiver and lounge rules.
| Condition | HDFC Bank Millennia | Tata Neu Infinity HDFC Bank Credit Card |
|---|---|---|
| Joining fee + GST | ₹1,000 + GST · ₹1,180.00 incl. GST | ₹1,499 + GST (standard fee; limited-period Tata Neu waiver offer may apply) · ₹1,768.82 incl. GST |
| Renewal fee + GST | ₹1,000 + GST (waived on ₹1 lakh eligible annual spend) · ₹1,180.00 incl. GST before waiver | ₹1,499 + GST (waived on ₹3 lakh eligible annual spend) · ₹1,768.82 incl. GST before waiver |
| Annual spend for renewal waiver | ₹1,00,000.00 | ₹3,00,000.00 |
| Base and accelerated rewards; caps | 5% CashBack Points on eligible partner merchants and 1% on other eligible spends 5% CashBack Points on eligible partner merchants and 1% on other eligible spends; issuer caps, exclusions and redemption rules apply. | 1 NeuCoin has ₹1 redemption value within eligible Tata Neu services; rewards are not cash credited to your bank account. RuPay variant: 1.5% NeuCoins on eligible UPI purchases using a Tata Neu UPI ID; other UPI IDs earn 0.5%. Issuer caps apply. |
| Domestic/international lounges and spend conditions | Not verified in the maintained record. Check the linked issuer terms. | 8 domestic lounge visits per year, conditional on ₹50,000 qualifying spend per calendar quarter; access terms apply. 4 international lounge visits per year, subject to access terms. |
| Forex markup (+ applicable GST) | Not verified in the maintained record. Check the linked issuer terms. | Not verified in the maintained record. Check the linked issuer terms. |
| Annual interest rate | Not verified; consult the linked issuer MITC and your personal offer. | Not verified; consult the linked issuer MITC and your personal offer. |
| UPI Scan & Pay | Not verified in the maintained record. Check the linked issuer terms. | RuPay variant: 1.5% NeuCoins on eligible UPI purchases using a Tata Neu UPI ID; other UPI IDs earn 0.5%. Issuer caps apply. |
| Utility bills & telecom | Not verified in the maintained record. Check the linked issuer terms. | Not verified in the maintained record. Check the linked issuer terms. |
| Insurance premiums | Not verified in the maintained record. Check the linked issuer terms. | Not verified in the maintained record. Check the linked issuer terms. |
| Government / NPS / tax payments | Not verified in the maintained record. Check the linked issuer terms. | 1.5% NeuCoins on other eligible purchases; wallets, fuel, rent and government payments are excluded. |
| Fuel & rent | Not verified in the maintained record. Check the linked issuer terms. | 1.5% NeuCoins on other eligible purchases; wallets, fuel, rent and government payments are excluded. |
| Gold / jewellery | Not verified in the maintained record. Check the linked issuer terms. | Not verified in the maintained record. Check the linked issuer terms. |
| School / education | Not verified in the maintained record. Check the linked issuer terms. | Not verified in the maintained record. Check the linked issuer terms. |
| Official issuer MITC / reward documents | Issuer MITC PDF Issuer benefit / terms PDF | Issuer MITC PDF |
Core-card upgrades and co-brand-to-core conversions are subject to HDFC policy and individual eligibility. No blanket upgrade prohibition is established by the reviewed sources.
HDFC Millennia: ₹1,000 + GST (waived on ₹1 lakh eligible annual spend); renewal threshold ₹1,00,000.00. Tata Neu Infinity: ₹1,499 + GST (waived on ₹3 lakh eligible annual spend); renewal threshold ₹3,00,000.00.
HDFC Millennia: Not verified in the maintained record. Check the linked issuer terms. Tata Neu Infinity: 8 domestic lounge visits per year, conditional on ₹50,000 qualifying spend per calendar quarter; access terms apply. 4 international lounge visits per year, subject to access terms.
The answer depends on eligible merchants, payment app, caps and reward redemption. Use a modelled scenario only where both cards have verified inputs. Unknown categories are not treated as zero rewards.
A secured or no-annual-fee card may be worth checking. These are not guaranteed or statistically high-approval offers. KYC, deposit, income and issuer conditions still apply.
No annual fee
Subject to issuer availability and approval.
Requires a fixed deposit with the issuer; approval is subject to its conditions. Resident applicants require a minimum ₹20,000 eligible fixed deposit.
Apply for IDFC FIRST WOW! →
No annual fee; currently offered lifetime-free; confirm acquisition eligibility
Subject to issuer availability and approval.
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