Both the Uni Card and the HDFC Millennia Credit Card are completely different. The Uni Card focuses on a split bill payment feature to revamp the repayment process, whereas the HDFC Millennia Credit Card focuses on millennials’ lives. The HDFC card is designed to give users cashback on their purchases. Aside from that, anyone, whether salaried or self-employed, can apply for the Uni Card and the HDFC Millennia Credit Card.

Keep reading this article you will get to know all about Uni Card vs HDFC Millennia Credit Card.

What’s the Distinction Between a Uni Card and an HDFC Millennium Credit Card?

Mentioned below are the differences between Uni Card vs HDFC Millennia Credit Card that sets them apart from each other. 

Uni Card

To apply for a Uni card, the applicant must be an Indian citizen with a suitable source of income and a CIBIL score of 750 or higher. It has a minimum credit limit of Rs. 20,000 and a maximum credit limit of Rs. 6 lakhs. However, anyone over the age of 25, whether salaried or self-employed, can apply for the card.  

The most distinctive feature of the Uni Card is the ability to split bills. According to the records, the customers are extremely pleased with it. It assists them in dividing the bill into three equal installments. However, if you repay the bill in one month rather than three, you will be eligible for a 1% cashback. The customer service number for Uni Card is 08068216821. Feel free to contact them if you have any questions about the credit card, rewards, or anything else.

HDFC Millennia Credit Card

Anyone, Indian or non-Indian, can apply for the HDFC Millennia Credit Card. It does not prevent non-Indian citizens from applying for credit cards. However, applicants must be 21 years old and have a CIBIL score of 750 or higher. HDFC Millennia Credit Card values its customers, which is why when you apply for the credit card, you will receive 1000 cash points as a welcome gift. Furthermore, during the approval process, the applicant should be required to provide documents such as Identity Proof, Address Proof, and Proof of Income.

Besides this, the HDFC Millennia Credit Card comes with a slew of perks, including contactless payments, dining benefits, fuel surcharge waivers, a 50-day interest-free credit period, complimentary domestic lounge access, and much more. If you have any questions or concerns, you can reach them at 1800-202-6161/ 1860-267-6161* at any time. All of your concerns will be addressed here.

Fees and Charges of Uni Card vs HDFC Millennia Credit Card

The fee structure of the Uni Card vs HDFC Millennia Credit Card is completely different. You can evaluate it accordingly and then make your decision. The following is the fee structure of the Uni Card vs HDFC Millennia Credit Card:

Uni Card: Uni Card is a lifetime free card. There are no joining, annual, or renewal fees. All of the benefits are available to customers at no cost.

HDFC Millennia Credit Card: The HDFC Millennia Credit Card, unlike the Uni Card, is not free for life. To use the card’s benefits, the applicant must pay a minimum of Rs. 1000 + GST joining fee. However, the fee is waived at the time of renewal if the applicant has spent Rs. 1 lakh in the previous year. 


Choosing a card is entirely up to personal preference. We have discussed in detail the differences between the Uni Card vs HDFC Millennia Credit Card above. You can study a bit about them from it. Uni Card is intended for people who want a flexible repayment plan. You can divide your bill into three equal parts here. HDFC Millennia Credit Card, on the other hand, offers a variety of benefits to those who want to live a life of their own.

Written by

Master Henry

Meet Master Henry, the prolific Australian author with a flair for capturing the essence of lifestyle, travel, and fashion in his captivating prose. Hailing from the land Down Under, Henry weaves vivid tales that transport readers to exotic destinations and infuse his writing with a touch of Aussie charm. With a keen eye for trends and an innate understanding of the finer things in life, Master Henry's work transcends conventional genres, offering a unique blend of sophistication and wanderlust.