All credit cardsRates verified 15 Jun 2026Rates verified 15 Jun 2026
Amex Membership Rewards vs HDFC Millennia
Quick answer
HDFC Millennia wins this comparison on 4 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.
American Express
Amex Membership Rewards
Amex
HDFC Bank
HDFC Millennia
Visa · Mastercard
Our pick
HDFC Millennia edges it for most people.
It wins on 4 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 | Amex Membership Rewards | HDFC Millennia |
|---|---|---|
| Annual fee | ₹4,500 | ₹1,000 ✓ |
| Top reward rate | 1% | 5% ✓ |
| Lounge visits/yr | 0 | 8 ✓ |
| Forex markup | 4% | 4% |
| APR (per year) | 42% ✓ | 45% |
| Min income/mo | ₹50,000 | ₹30,000 ✓ |