Compare HSBC TravelOne Credit Card vs HDFC Millennia Credit Card

As a Welcome Benefit, on spending Rs. 10,000 within the first 30 days, get Cashback worth Rs. 1,000, Postcard Hotels voucher worth Rs. 3,000, and 3 months EazyDiner Prime membership. Get additional 3,000 bonus reward points when you spend Rs. 100,000 in the first 90 days
Annual fee will either be Rs. 4,999, or free if you spend more than Rs. 800,000 a year
Get complimentary airport lounge visits, holiday, car hire and lifestyle discounts, and more
Avail 4 reward points for every Rs. 100 spent on flights, travel aggregators and in foreign currency
Avail 2 reward points for every Rs. 100 spent on anything else, with no cap
Avail 10,000 bonus reward points when spending more than Rs. 1,200,000 a year
Get even more reward points with additional cards
Instantly convert Reward points to Air Miles 1 to 1 in the app
Save 15% on domestic and international holiday Bookings at Yatra, EaseMyTrip, PayTM Travel, and ClearTrip
Save up to 20% at selected duty free stores in India
Save when booking getaway at StayVista
Enjoy Mastercard World Platform benefits, such as complimentary golf, holiday discounts and more
Get up to USD 20,000 purchase protection every year
Get 6 domestic and 4 international airport lounge visits every year
Enjoy discounts on movies, events and dining with the Zomato app
15% off on Yatra
15% off on EaseMyTrip
15% off on Paytm Flights
15 % off on Cleartrip
11% off at StayVista: Stay for less when making a hotel booking through the StayVista website (max 2 bookings per card per year; max saving per booking INR3,000)
Up to 50% off with the District app by Zomato: Up to 10% off events and dining. Plus, buy 1 movie ticket and get 1 free twice a month
Up to 20% off duty-free with AdaniOne: Save 20%, up to Rs. 3,000, on their app or website when spending Rs. 8,000 or more, once per card per year
Access to the top golf courses in India: Get 4 complimentary rounds of golf and 12 complimentary lessons per calendar year (max 1 per calendar month). Plus, get 50% off your green fees for additional rounds

Renewal Offer: Spend Rs. 1 lakh or more in the previous 12 months to waive the renewal membership fee for the next year
Avail 5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato
Avail 1% cashback on all other spends
Get Rs. 1000 worth of gift vouchers on spends of Rs. 1,00,000 and above in each calendar quarter
Up to 20% discount on partnered restaurants via Swiggy Dineout
Zero lost card liability
Up to 50 days of interest-free period from the date of purchase
Revolving Credit is available at a nominal interest rate
Enjoy amazing dining benefits with the Good Food Trail program
Save up to 20% on your restaurant bill payments at more than 20,000 restaurants with Swiggy Dineout. This offer includes both restaurant and Swiggy discounts and is only available for payments made through the Swiggy App
Lounge access has been added to the quarterly spend milestone program, effective from December 1, 2023. Once a user achieves a quarterly spend milestone, they can choose to receive either a Dreamfolks airport lounge access voucher or a Rs. 1000 voucher from a list of available brands
1% fuel surcharge waiver at all fuel stations in India. This is valid on transactions between Rs. 400 and Rs. 5000
Convert big spends into EMI after purchase
This card is equipped with contactless payment technology for added convenience and speed

Pros

Enjoy Mastercard World Platform benefits, such as complimentary golf, holiday discounts and more
Up to 15% discount across some of the most popular travel platforms
Complimentary golf rounds and green fee offers

Cons

No Fuel benefits
Welcome benefits come with spend-based conditions
Redemption of the accrued reward points is limited to just travel partner points or miles

Pros