Klick RuPay Credit Card vs HDFC Millennia Credit Card
Joining Fees
₹0
₹1,000
Editor's Rating
4.4
4
Key Features
- Zero Joining Fees and Annual Fees
- 1% Fuel Surcharge Waiver
- 2 Rewards for every Rs. 200 non-UPI spends
- 2% cashback while you make quick and easy payments using Kiwi app
- 4 Reward Points on every Rs. 200 spent on all UPI transactions above Rs. 2,000
- Get all the benefits with the 100% virtual credit card- It is safe, secure, and make hassle-free payments with virtual credit card
- Earn reward on UPI and non-UPI spends
- 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
Editor's Review
Pros:
- Lifetime Free Credit Card
- 2 Rewards for every Rs. 200 non-UPI spends
- 2% cashback while you make quick and easy payments using Kiwi app
Cons:
- No international or domestic lounge access
- No Golf Benefits
- No Movies and Entertainment, and Dining Benefits
Pros
- Get 7% Reward points on every Shoppers Stop spends
- Get 2% Reward points on every Non-Shoppers Stop spends
- Enjoy Complimentary Shoppers Stop Black membership worth Rs. 4500
Cons
- No golf/coaching sessions
- No proper lounge access benefits
