HDFC Bank
ReviewedHDFC Bank Millennia
5% cashback across ten popular online brands with a fee most users waive on spend.
5% on select merchantsLounge access
Annual fee
₹1,000 + GST
American Express · American Express
Amex Membership Rewards Card
Milestone bonus points and a voucher-led catalogue that suits steady monthly spenders.
What we've verified
Long-form review pending — we publish depth only once we've read the full terms.
- Joining fee ₹1,000 + GST, renewal ₹4,500 + GST.
- No spend-based waiver, so the rewards have to cover the fee.
- Headline earn rate: 1 MR point per ₹50.
- No complimentary airport lounge access on this card.
Also worth comparing for voucher redemptions
Axis Bank
Data verifiedAxis Bank SELECT
BigBasket and Swiggy vouchers each month with domestic and international lounge visits.
10 EDGE points per ₹200Lounge access
Annual fee
₹3,000 + GST
Axis Bank
Data verifiedAxis Bank Rewards Card
Accelerated points on apparel, departmental stores and jewellery spend.
10 EDGE points per ₹200Lounge access
Annual fee
₹1,000 + GST
Ready to apply for the Amex Membership Rewards Card?
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