HDFC Millennia Credit Card vs IndiGo Kotak Credit Card - Base
HDFC Bank · Kotak Mahindra Bank — side-by-side CardCheck comparison
·4.4/ 5
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
HDFC BankScoreVery Good
Annual Fee₹1,000
Max Reward5%
Kotak Mahindra BankScoreGood
Annual Fee₹1,500
Max Reward19%
HDFC Millennia Credit Card leads overall with a CardCheck Score of 73/100 (+8 pts over IndiGo Kotak Credit Card - Base).
4-Pillar Head-to-Head Breakdown
HDFC vs IndiGoReward Power
35%HDFC34/35
IndiGo35/35
IndiGo Wins
Fee Value & ROI
25%HDFC20/25
IndiGo18/25
HDFC Wins
Lounge & Travel
20%HDFC11/20
IndiGo4/20
HDFC Wins
Forex & Access
20%HDFC8/20
IndiGo8/20
Tie (8/20)
01—CardCheck Score & Pillars
- CardCheck Score
- 73Best
- 65
- Rating Verdict
- Very Good
- Good
- Reward Power (35%)
- 34/35
- 35/35
- Fee Value & ROI (25%)
- 20/25
- 18/25
- Lounge & Travel (20%)
- 11/20
- 4/20
- Forex & Access (20%)
- 8/20
- 8/20
02—Basic Info
- Bank
- HDFC Bank
- Kotak Mahindra Bank
- Network
- Visa
- Mastercard
- Card type
- Regular
- Co-branded
- Best for
- online shoppers
- Frequent IndiGo flyers
03—Fees
- Joining fee
- ₹1,000Best
- ₹1,500
- Annual fee
- ₹1,000Best
- ₹1,500
- Fee waiver
- ₹1,00,000
- —
- Interest-free days
- 50
- —
04—Interest
- APR (min)
- 43.2%
- 42%Best
- APR (max)
- 43.2%Best
- 45%
- Late payment fee
- ₹1,300
- ₹1,300
- Cash advance fee
- 2.5%
- 2.5%
05—Rewards
- Reward type
- cashback
- points
- Min rate
- 1%
- 1%
- Max rate
- 5%
- 19%Best
- Points / ₹100
- 1
- 1
- Point value
- ₹1
- —
- Monthly cap
- ₹2,000
- —
06—Travel & Lounge
- Domestic lounge / qtr
- 1
- —
- Lounge spend criteria
- On ₹1 lakh spend in a calendar quarter, customer can choose either 1 lounge voucher OR ₹1,000 brand voucher
- —
- Intl lounge / year
- 0
- —
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- 3.5%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min income / month
- ₹35,000
- ₹33,000
- Invite only
Rows won
04of 06
02of 06
| Attribute ↓ | ||
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 73Best | 65 |
| Rating Verdict | Very Good | Good |
| Reward Power (35%) | 34/35 | 35/35 |
| Fee Value & ROI (25%) | 20/25 | 18/25 |
| Lounge & Travel (20%) | 11/20 | 4/20 |
| Forex & Access (20%) | 8/20 | 8/20 |
02—Basic Info Differences highlighted | ||
| Bank | HDFC Bank | Kotak Mahindra Bank |
| Network | Visa | Mastercard |
| Card type | Regular | Co-branded |
| Best for | online shoppers | Frequent IndiGo flyers |
03—Fees Differences highlighted | ||
| Joining fee | ₹1,000Best | ₹1,500 |
| Annual fee | ₹1,000Best | ₹1,500 |
| Fee waiver | ₹1,00,000 | — |
| Interest-free days | 50 | — |
04—Interest Differences highlighted | ||
| APR (min) | 43.2% | 42%Best |
| APR (max) | 43.2%Best | 45% |
| Late payment fee | ₹1,300 | ₹1,300 |
| Cash advance fee | 2.5% | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | cashback | points |
| Min rate | 1% | 1% |
| Max rate | 5% | 19%Best |
| Points / ₹100 | 1 | 1 |
| Point value | ₹1 | — |
| Monthly cap | ₹2,000 | — |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 1 | — |
| Lounge spend criteria | On ₹1 lakh spend in a calendar quarter, customer can choose either 1 lounge voucher OR ₹1,000 brand voucher | — |
| Intl lounge / year | 0 | — |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | 3.5% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min income / month | ₹35,000 | ₹33,000 |
| Invite only | ||
| Rows won | 04of 06 | 02of 06 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | HDFC Millennia Credit Card | IndiGo Kotak Credit Card - Base |
|---|---|---|
| CardCheck Score | 73/100Very Good | 65/100Good |
| Annual Fee | ₹1,000 | ₹1,500 |
| Fee Waiver Spend | ₹1L/yr | No waiver |
| Max Reward Potential | 5% | 19% |
| Domestic Lounge Access | 1 / quarter | Check terms |
| International Lounge | None | None |
| Forex Markup Fee | 3.5% | 3.5% |
Choose HDFC Millennia Credit Card if:
Your spending centers around online shoppers and you want direct partner rewards with HDFC Bank.
Choose IndiGo Kotak Credit Card - Base if:
Your spending aligns with frequent indigo flyers and you prioritize Kotak Mahindra Bank's redemption benefits.
Frequently asked questions: HDFC Millennia Credit Card vs IndiGo Kotak Credit Card - Base
- Which is better: HDFC Millennia Credit Card or IndiGo Kotak Credit Card - Base?
- HDFC Millennia Credit Card holds a higher overall rating with a CardCheck Score of 73/100 (Very Good) compared to 65/100 (Good) for IndiGo Kotak Credit Card - Base (a lead of +8 points). HDFC Millennia Credit Card gains its scoring lead primarily through lounge & travel privileges (11 vs 4) and fee value & ROI (20 vs 18) while tying on forex & terms.
- How do annual fees and fee waiver spend rules compare?
- HDFC Millennia Credit Card charges an annual fee of ₹1,000 with an annual spend threshold of ₹1 Lakh for renewal fee waiver. In comparison, IndiGo Kotak Credit Card - Base charges an annual fee of ₹1,500 with no official annual spend waiver milestone.
- How do the reward rates and cashback compare between HDFC Millennia Credit Card and IndiGo Kotak Credit Card - Base?
- HDFC Millennia Credit Card offers a base reward rate of 1% and up to 5% on accelerated partner categories. Meanwhile, IndiGo Kotak Credit Card - Base offers a base rate of 1% and up to 19% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: HDFC Millennia Credit Card or IndiGo Kotak Credit Card - Base?
- HDFC Millennia Credit Card provides 1 complimentary domestic lounge visit per quarter (4/year) (On ₹1 lakh spend in a calendar quarter, customer can choose either 1 lounge voucher OR ₹1,000 brand voucher). On the other hand, IndiGo Kotak Credit Card - Base provides no complimentary airport lounge access.
- Which card is better for international foreign currency spends?
- HDFC Millennia Credit Card levies a foreign currency markup fee of 3.5%, while IndiGo Kotak Credit Card - Base charges 3.5%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
- Is CardCheck's comparison data unbiased and verified against official bank MITC?
- Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).