All credit cardsRates verified 15 Jun 2026Rates verified 15 Jun 2026
Tata Neu Infinity HDFC vs HDFC Millennia
Quick answer
Tata Neu Infinity HDFC wins this comparison on 3 of 6 measures — fees, rewards, lounge, forex and APR. But pick based on how you actually spend; the card that wins on your top category beats the overall winner.
HDFC Bank
Tata Neu Infinity HDFC
RuPay · Visa
HDFC Bank
HDFC Millennia
Visa · Mastercard
Our pick
Tata Neu Infinity HDFC edges it for most people.
It wins on 3 of 6 measures. But if you spend heavily on shopping, the other one may still be the smarter call — check the row that matters most to you.
| Feature | Tata Neu Infinity HDFC | HDFC Millennia |
|---|---|---|
| Annual fee | ₹1,499 | ₹1,000 ✓ |
| Top reward rate | 5% | 5% |
| Lounge visits/yr | 12 ✓ | 8 |
| Forex markup | 2% ✓ | 4% |
| APR (per year) | 43% ✓ | 45% |
| Min income/mo | ₹50,000 | ₹30,000 ✓ |