HDFC Millennia is anytime better than Moneyback even if you're upgrading from LTF Moneyback to chargeable Millennia. Reaching 1L spend milestone isn't difficult in a year to get fee waiver on Millenia.
You'll be getting 5% cashback on major ecom portals namely: Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato.
Also 6% cashback on Smartbuy purchases. 1% cashback on other spends as well. Exclusions are very few unlike other bank cards. Only Rent Payments, Govt txn & Fuel txn are excluded.