American Express Membership Rewards Credit Card Highlights
- Welcome Benefits:
Earn 4,000 Membership Reward Points (RPs) by spending ₹15,000 in the first 90 days.
Bonus: Earn an additional 2,000 RPs with our referral link! - Rewards:
- 1 RP for every ₹50 spent.
- 2X RPs on the AmEx Rewards Multiplier Portal.
- Redeem RPs on a range of products, travel, and shopping.
- Milestone Benefits:
- 1,000 bonus RPs for completing four ₹1,500+ transactions in a month.
- 5,000 RPs upon paying the 1st-year renewal fee.
- Dining Perks:
Enjoy up to 20% off at selected restaurants. - Spend-Based Fee Waiver:
Renewal fee of ₹4,500 is waived if you spend over ₹1.5L annually. - Fuel Benefits:
1% fuel surcharge waiver at HPCL fuel stations.
Fees & Charges:
- Joining Fee: ₹1,000 + GST | Renewal Fee: ₹4,500 + GST
- Interest Rate: 3.5% per month
- Foreign Currency Markup: 3.5%
Apply now: American Express Membership Rewards Credit Card
HDFC Bank Millennia Credit Card Highlights
- Welcome Benefits:
1,000 bonus CashPoints on realizing the joining fee. - Rewards:
- 5% cashback at Amazon, Flipkart, Swiggy, Uber, and more partnered merchants.
- 1% cashback on all other spends.
- Redemption Options:
- Redeem CashPoints for flight/hotel bookings on SmartBuy, cashback, or air miles.
- Dining Perks:
Enjoy up to 20% discount at Swiggy Dineout partnered restaurants. - Spend-Based Fee Waiver:
Annual fee waived if you spend ₹1L in a year. - Fuel Benefits:
1% fuel surcharge waiver across all fuel stations in India.
Fees & Charges:
- Joining Fee/Renewal Fee: ₹1,000 + GST
- Interest Rate: 3.6% per month (42.3% p.a.)
- Foreign Currency Markup: 3.5%
- Rewards Redemption Fee: ₹99
Apply now: HDFC Bank Millennia Credit Card
Quick Comparison
| Features | American Express Membership Rewards Credit Card | HDFC Bank Millennia Credit Card |
|---|---|---|
| Joining Fee | ₹1,000 + GST | ₹1,000 + GST |
| Renewal Fee | ₹4,500 + GST | ₹1,000 + GST |
| Welcome Benefit | 4,000 RPs (on ₹15,000 spend) | 1,000 bonus CashPoints |
| Interest Rate | 3.5% per month | 3.6% per month (42.3% p.a.) |
| Rewards | 1 RP per ₹50 spent | 5% cashback (Amazon, Flipkart, etc.) |
| 2X rewards via Rewards Multiplier | 1% cashback on other spends | |
| Dining | Up to 20% off (selected restaurants) | Up to 20% off (Swiggy Dineout) |
| Foreign Currency Markup | 3.5% | 3.5% |
| Travel Benefits | N/A | N/A |
| Milestone Rewards | Bonus RPs on monthly spends | ₹1,000 voucher (on ₹1L spend/quarter) |
| Fee Waiver | Waived on ₹1.5L annual spend | Waived on ₹1L annual spend |
| Rewards Redemption Fee | Nil | ₹99 per redemption |
Choose the one that best fits your spending pattern and lifestyle!