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WINNER
HDFC Millennia Credit Card
HDFC Millennia Credit Card
HDFC Bank
VS
R
RBL Bank BankBazaar SaveMax Co-branded Credit Card
Citi Bank

HDFC Millennia Credit Card vs RBL Bank BankBazaar SaveMax Co-branded Credit Card

Detailed side-by-side comparison based on fees, rewards, benefits, and real user data.

credit card
Updated Jul 2026
Recommended
86
Overall Score / 100
4.3/5
80
Overall Score / 100
4.0/5

What would you save?· ₹ per year, after fees

50,000
₹5k₹1L₹2L
Better here
HDFC Millennia Credit Card
Rewards (5.0%)+ ₹30,000
Annual fee− ₹1,000
Net per year+29,000
RBL Bank BankBazaar SaveMax Co-branded Credit Card
Rewards (0.0%)+ ₹0
Annual feeFree
Net per year0
HDFC Millennia Credit Card gives you 29,000 more per year at this spend level.

Estimates use the headline reward rate. Real rewards depend on category-wise spend, monthly caps, and welcome-bonus eligibility. See the full T&C on the issuer's website before applying.

Feature-by-Feature Comparison

Feature
HDFC Millennia Credit Card
RBL Bank BankBazaar SaveMax Co-branded Credit Card
Annual Fee
₹1,000
Free
Joining Fee
₹1,000
Free
Reward Rate
5% SmartBuy, 2.5% online, 1% offline
Welcome Bonus
1,000 reward points on first transaction
None
Lounge Access
None
None
Min. Income
₹35,000
Min. Credit Score
720

InvestingPro Expert Verdict

Based on SEBI-compliant analysis • Affiliate disclosed

RBL Bank BankBazaar SaveMax Co-branded Credit Card wins here with a lower annual fee (Lifetime Free vs ₹1,000). HDFC Millennia Credit Card remains a solid alternative at ₹1,000 annually, especially if you're already banking with HDFC Bank.

Who Should Get Which?

💰
Choose HDFC Millennia Credit Card
Lower annual fees — ideal for budget-conscious users who want value without high costs.
✈️
Choose RBL Bank BankBazaar SaveMax Co-branded Credit Card
Higher fee but more premium perks like lounge access and higher reward rates — best for frequent spenders.
HDFC Millennia Credit Card
HDFC Millennia Credit Card
HDFC Bank

Opens official HDFC Bank website

RBL Bank BankBazaar SaveMax Co-branded Credit Card
Citi Bank

Opens official Citi Bank website

Disclaimer: This comparison is for informational purposes only. Product details may change; verify on official bank websites before applying. InvestingPro may earn affiliate commission on approved applications. Not SEBI registered investment advice.

No paid rankings
Methodology disclosed
SEBI-compliant
Editorial standards