HDFC Millennia Credit Card vs KIWI UPI RuPay Credit Card
Which card gives you higher value? Compare annual fees, reward rates, lounge access, and milestone perks side-by-side.
HDFC Bank
★ 4.3 / 5.0
HDFC Millennia Credit Card
Urban Millennials & Online Spenders
YES Bank
★ 4.7 / 5.0
KIWI UPI RuPay Credit Card
Daily UPI Payments, Scan & Pay Cashback, Zero Fee RuPay Spends
Side-by-Side Feature Breakdown
Open Interactive Matrix →User Rating
★ 4.3 / 5.0
★ 4.7 / 5.0
Annual Fee
₹1,000 + Taxes
Lifetime Free
Fee Waiver Condition
Annual fee waived on ₹1 Lakh quarterly spends (₹4 Lakh annually)
Lifetime Free credit card with zero joining and zero annual maintenance fees
Reward Rate
5% cashback on Amazon, Flipkart, Myntra, Swiggy, Zomato & more; 2.5% all other online; 1% offline
Up to 5% cashback on UPI spends via Kiwi Neon program (1.5% base reward: 6 Kiwis per ₹100 spent)
Finance APR
3.6% per month (43.2% per annum)
3.75% per month (45% per annum)
Welcome Offer
₹1,000 cashback on spending ₹1,000+ in first 90 days
Direct UPI QR Scan & Pay integration on Kiwi App with up to 5% cashback
Top Perks
- • 5% cashback on Amazon, Flipkart, Myntra, BookMyShow, Cult.fit, Swiggy, Sony LIV, Tata CLiQ, Uber & Zomato
- • 2.5% cashback on all other online spends
- • 1% cashback on all offline spends and wallet loads
- • 8 complimentary domestic airport lounge visits/year (via Dreamfolks) (Requires ₹60,000 spend in preceding quarter)
- • 1.5% base cashback (6 Kiwis per ₹100 spent) on all eligible UPI Scan & Pay transactions
- • Up to 5% milestone cashback upon reaching annual UPI spend thresholds via Neon program
- • 1 Kiwi = ₹0.25 cashback valuation, redeemable as statement credit
- • Instant virtual card issuance and direct UPI QR scanning inside Kiwi App
Best Suited For
Urban Millennials & Online Spenders
Daily UPI Payments, Scan & Pay Cashback, Zero Fee RuPay Spends