Head-to-head · 🇮🇳 India
HDFC Millennia vs RBL World Safari
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
HDFC Bank
HDFC Millennia
Wins 6 of 10
IN
Premium
RBL Bank
RBL World Safari
Wins 3 of 10
Verdict
HDFC Millennia wins 6-3. Online shoppers spending ₹15K–50K/month RBL World Safari is still the right call if international travelers — best forex markup + lounge access combo..
Side-by-side
| Criterion | HDFC Millennia | RBL World Safari |
|---|---|---|
| Annual fee | ₹1,000 | · ₹3,000 |
| Joining fee | ₹1,000 | · ₹3,000 |
| Top reward rate | · 5% (shopping) | 10% (travel) |
| Base reward rate | · 1% | 2% |
| Forex markup | · 3.5% | No FX fee |
| Welcome bonus | = 1,000 CashPoints on ₹1,000 spend in first 90 days | = 3,000 travel points + ₹3,000 MakeMyTrip voucher |
| Fee waiver threshold | ₹100,000 / yr | · ₹500,000 / yr |
| Min income | ₹420,000 | · ₹1,200,000 |
| Min credit score | 750 | · 780 |
| Editorial rating | 4.6/5 | · 4.5/5 |
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
RBL World Safari
- 0% forex markup — uniquely zero
- 8 international Priority Pass visits/year (self + guest)
- Domestic lounge visits via DragonPass
- 5x reward points on travel + dining
- Travel insurance up to ₹2 crore
FAQ
›HDFC Millennia vs RBL World Safari: 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, RBL World Safari 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. RBL World Safari: 3,000 travel points + ₹3,000 MakeMyTrip voucher.