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HDFC Bank · HDFC Bank
Marriott Bonvoy vs Millennia
Side-by-side. The card that earns more depends on where you spend, Tapwise crunches the actual numbers for your wallet.
Winner
44composite score
95% rule confidence
95% rule confidence
Winner
56composite score
95% rule confidence
95% rule confidence
Annual fee
₹3,000
₹1,000
Network
Mastercard
Visa
Base reward rate
1.33%
2.67%
Min. income (monthly)
—
₹35,000
Min. credit score
—
700+
Best for
Everyday spends
Online shopping
Bonus reward categories differ, see the rule tables on each card's detail page for the fine print.
Tapwise verdict
Millennia edges out for most wallets.
- Better base rate, 2.67% vs 1.33% on everything outside a bonus bucket.
- Lighter annual fee, ₹1,000 vs ₹3,000.
Composite score
Marriott Bonvoy44
Millennia56
Scored on fee, base rate, qualification, and rule confidence. Tapwise's personal recommendation also weighs your actual spending.
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