Head-to-head · 🇮🇳 India
HDFC Millennia vs AU Bank Zenith
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
HDFC Bank
HDFC Millennia
Wins 6 of 10
IN
Premium
AU Small Finance Bank
AU Bank Zenith
VISA
Wins 3 of 10
Verdict
HDFC Millennia wins 6-3. Online shoppers spending ₹15K–50K/month AU Bank Zenith is still the right call if underrated mid-premium — punches above its fee tier..
Side-by-side
| Criterion | HDFC Millennia | AU Bank Zenith |
|---|---|---|
| Annual fee | ₹1,000 | · ₹7,500 |
| Joining fee | ₹1,000 | · ₹7,500 |
| Top reward rate | · 5% (shopping) | 10% (travel) |
| Base reward rate | · 1% | 2% |
| Forex markup | · 3.5% | 2% |
| Welcome bonus | = 1,000 CashPoints on ₹1,000 spend in first 90 days | = 7,500 reward points + Vistara Premium Economy ticket |
| Fee waiver threshold | ₹100,000 / yr | · ₹800,000 / yr |
| Min income | ₹420,000 | · ₹1,200,000 |
| Min credit score | 750 | · 780 |
| Editorial rating | 4.6/5 | · 4.4/5 |
Benefits compared
HDFC Millennia
- 5% cashback on Amazon, Flipkart, Myntra, Swiggy, Zomato, BookMyShow, Cult.fit, Sony LIV, Tata CLiQ, Uber
- 1% cashback on all other retail spends
- 8 complimentary domestic airport lounge visits per year
- 1% fuel surcharge waiver (₹400 cap/month)
- Up to 20% off on partner restaurants via Smart EMI
AU Bank Zenith
- 10 ZenPoints per ₹100 on travel + dining
- 2 ZenPoints per ₹100 on general spend
- 8 complimentary international lounge visits per quarter
- 12 complimentary domestic lounge visits / year
- Annual milestone: free domestic flight at ₹6L spend
- 4 free golf rounds/quarter at 250+ courses
FAQ
›HDFC Millennia vs AU Bank Zenith: which is better?
HDFC Millennia wins on more dimensions (6 vs 3). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use HDFC Millennia for online shopping, AU Bank Zenith for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
HDFC Millennia: 1,000 CashPoints on ₹1,000 spend in first 90 days. AU Bank Zenith: 7,500 reward points + Vistara Premium Economy ticket.