HDFC Millennia Credit Card vs RBL ShopRite Credit Card
Calculate exact net annual returns in ₹ after fee waivers, milestone rewards, categories, and caps. Card terms verified 2026-07.
Quick Key Takeaways & Fact Summary
- Overall Winner: HDFC Millennia Credit Card earns higher net annual returns at standard spend tiers.
- Annual Fee: HDFC Millennia Credit Card (₹1000/yr) vs RBL ShopRite Credit Card (₹500/yr).
- Base Reward Rate: HDFC Millennia Credit Card (1% Cashback) vs RBL ShopRite Credit Card (1 pts/₹100).
- Lounge Access: HDFC Millennia Credit Card (0 dom) vs RBL ShopRite Credit Card (0 dom).
Interactive Net Returns Calculator
Adjust spend profiles to compare total net value, annual fee waivers, category earnings, and milestone bonuses.
Your Monthly Spend
₹50,000/moE-Commerce & Online
Daily Essentials
Most cards earn ₹0 rewards on fuel (surcharge waiver only).
Frequently excluded from rewards in India.
Lifestyle, Bills & Other
Almost always earns ₹0 and may carry a fee.
Often excluded or capped.
1HDFC Bank · fee waived
2RBL Bank · fee waived
Smart verdict
Get the HDFC Millennia Credit Card — it earns you +₹6,475/yr over the RBL ShopRite Credit Card, mostly from your other online shopping spend.
How Your Spends Convert to Rewards
Live calculation breakdown for HDFC Millennia Credit Card
| Spend Category | Monthly Spend | Reward Rate | Monthly Value | Annual Value | Status / Caps |
|---|---|---|---|---|---|
Fuel | ₹4,000/mo | 0% Cashback | ₹0 | ₹0/yr | Excluded |
Utilities & Bills | ₹4,000/mo | 0% Cashback | ₹0 | ₹0/yr | Excluded |
Rent | ₹10,000/mo | 0% Cashback | ₹0 | ₹0/yr | Excluded |
Insurance | ₹1,500/mo | 0% Cashback | ₹0 | ₹0/yr | Excluded |
Other Online Shopping | ₹6,000/mo | 5% Cashback | ₹300 | ₹3,600/yr | Active Earn |
Amazon Spends | ₹3,500/mo | 5% Cashback | ₹175 | ₹2,100/yr | Active Earn |
Flipkart Spends | ₹2,000/mo | 5% Cashback | ₹100 | ₹1,200/yr | Active Earn |
Dining & Food Delivery | ₹5,000/mo | 1% Cashback | ₹50 | ₹600/yr | Active Earn |
Other / Offline | ₹3,000/mo | 1% Cashback | ₹30 | ₹360/yr | Active Earn |
Groceries | ₹7,000/mo | 1% Cashback | ₹70 | ₹840/yr | Active Earn |
Travel (Flights/Hotels) | ₹4,000/mo | 1% Cashback | ₹40 | ₹480/yr | Active Earn |
Net annual value across spend levels
All ₹ values exclude GST. Perks like lounge access are shown separately and not added into net value. Rewards use your selected redemption mode (cashback / statement credit).
Card features side by side
Use the table for product rules; use the calculator above for value based on your actual spending.
| Feature | HDFC Millennia Credit CardHDFC Bank | RBL ShopRite Credit CardRBL Bank |
|---|---|---|
| Joining fee | ₹1,000 | ₹500 |
| Annual fee | ₹1,000/yr | ₹500/yr |
| Fee waiver | Spend ₹1,00,000/yr | Spend ₹1,50,000/yr |
| Base reward | 1% cashback | 1 pts / ₹100 |
| Top reward categories | 5% amazon, 5% flipkart, 5% online | 20x groceries |
| Redemption friction | Easy | Moderate |
| Point expiry | 24 months | 36 months |
| Lounge access | None⚠ Standalone lounge access discontinued Dec 2023. Lounge available as quarterly milestone benefit (1 per quarter on ₹1L spend). | None |
| Forex markup | 3.5% | 3.5% |
| Fuel surcharge | 1% waiver, up to ₹250/mo | 1% waiver, up to ₹100/mo |
| Min income · salaried | ₹4.2L/yr | Not stated |
| Min income · self-employed | ₹6.0L/yr | Not stated |
| Eligibility (as stated) | Salaried: Net Monthly Income > ₹35,000; Self-Employed: ITR > ₹6 Lakh p.a.; Age 21-40 | As per bank criteria |
| Recent devaluations |
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| Verified against |
Verdict at a Glance
Choose HDFC Millennia Credit Card if your monthly spending is focused on amazon, flipkart.
Choose RBL ShopRite Credit Card if you spend heavily on groceries.
HDFC Millennia Credit Card vs RBL ShopRite Credit Card Spend Tier Breakdown
Simulated net annual returns across typical Indian monthly spending profiles.
HDFC Millennia Credit Card
At ₹25,000/month, HDFC Millennia Credit Card nets ₹5,740/yr vs RBL ShopRite Credit Card at ₹2,745/yr — a ₹2,995 edge.
HDFC Millennia Credit Card
At ₹50,000/month, HDFC Millennia Credit Card nets ₹10,180/yr vs RBL ShopRite Credit Card at ₹3,705/yr — a ₹6,475 edge.
HDFC Millennia Credit Card
At ₹1,00,000/month, HDFC Millennia Credit Card nets ₹15,640/yr vs RBL ShopRite Credit Card at ₹4,560/yr — a ₹11,080 edge.
* Spend tier verdicts use standard category splits (cashback redemption mode). Actual net value depends on your specific spending categories.
Frequently Asked Questions
Which is better, HDFC Millennia Credit Card or RBL ShopRite Credit Card?▼
At a typical ₹50,000/month spend (cashback redemption), HDFC Millennia Credit Card comes out ahead by about ₹6,475 per year, driven mostly by other online shopping spend. Your own split can change the answer — use the calculator above to plug in your numbers.
Which card is better for online shopping, HDFC Millennia Credit Card or RBL ShopRite Credit Card?▼
HDFC Millennia Credit Card earns 1% as a base, while RBL ShopRite Credit Card earns 1 pts/₹100. Check the accelerated online/Amazon/Flipkart rates and monthly caps in the table above, since caps often decide the winner for heavy online spenders.
What are the annual fees for HDFC Millennia Credit Card and RBL ShopRite Credit Card?▼
HDFC Millennia Credit Card: ₹1,000 + GST per year, waived on ₹1,00,000 annual spend. RBL ShopRite Credit Card: ₹500 + GST per year, waived on ₹1,50,000 annual spend.
Do HDFC Millennia Credit Card and RBL ShopRite Credit Card earn rewards on rent, fuel and utilities?▼
Like most Indian cards, several everyday categories are excluded. HDFC Millennia Credit Card excludes fuel, rent, utilities, insurance; RBL ShopRite Credit Card excludes fuel, utilities, insurance, rent. The calculator shows these as ₹0 earners so your net value stays honest.
Is RBL ShopRite Credit Card ever the better pick over HDFC Millennia Credit Card?▼
Within a normal spend range at ₹50,000/month, HDFC Millennia Credit Card stays ahead. RBL ShopRite Credit Card can still win on specific perks (lounge, forex, redemption ease) that aren't counted in the net-value maths.