I would suggest you to go for Millennia CC as Moneyback Plus is good for nothing. If you use it for 1 Lakh a year, Rs.1000+GST= Rs.1180 will be waived off. In most cases, HDFC itself covert it to LTF if you do 1 Lakh cumulative txn in a quarter. My own was changed to LTF without any approach to bank in 2022. The only thing I did was used it for Rs.1.25 Lakh in Oct-Dec qtr. Beside this Millennia will give more benefits if you use Amazon to pay most of your bills, insurance and all other kind of payments. For Income Tax also you can use it to load Payzapp and get 1% CB. HDFC payment gateway at IT website charge 0.80%+18% GST i.e 0.95% and you get 1% back. So easy to reach milestone. Every quarter starting Jan-Mar you have a chance to get Rs.1000 eVoucher as milestone benefit.
Even if you can't use it much, Rs.25000 spends will give you Rs.1250-1500 CB which will cover annual charges.
For me there are only two best cards under budget. One is HDFC Millennia and other is SBI cashback card. I got rejected for SBI cashback recently. Already have their SimplyClick.
