CardIQIndia
Corroborated — 3 field(s) match across 3+ reference sources (auto). Not human-verified. Confirm with the bank before high-stakes decisions.
56
#15 of 173 in credit
HDFC Bank

Millennia Credit Card

creditVisaSignature

5% cashback on Amazon, Flipkart, Swiggy, Zomato; 1% elsewhere

Score breakdown

Data completeness: 85% · Last verified: 06 Jul 2026

Reward value47/100 · weight 65%
≈ 2.29% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +3.1% score bonus — earns broadly without narrow category restrictions.
Fee efficiency91/100 · weight 11%
Redemption flexibility92/100 · weight 8%
Perks26/100 · weight 8%
Devaluation risk70/100 · weight 8%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
₹1,000 + 18% GST
= ₹1,180 total
Annual fee
₹1,000 + 18% GST
= ₹1,180 / year total
Waiver: Spend Rs 1L in a year
Forex markup
3.5%

Lounge access

Domestic (per year)
8
International (per year)
0

Confirmed devaluation alerts

No confirmed devaluations tracked for this card. That doesn't mean none exist — see the neutral 70/100 devaluation-risk sub-score above.

Reward structure

CategoryTypeRateCapNotes
travelpoints2.00%(8 pts @ ₹0.25)—2% travel (estimated)
groceriespoints1.50%(6 pts @ ₹0.25)—1.5% groceries (estimated)
online_spendscashback5%₹1,000 / monthly5% on Amazon/Flipkart/Swiggy/Zomato capped Rs 1000/mo
diningcashback5%₹1,000 / monthly5% on Swiggy/Zomato
utilitiespoints1.00%(4 pts @ ₹0.25)—1% utilities (estimated)
fuelpoints1.00%(4 pts @ ₹0.25)—1% fuel (estimated)
all_spendspoints0.50%(2 pts @ ₹0.25)—Base earn rate
all_spendscashback1%—1% cashback
all_spendspoints0.25%(1 pts @ ₹0.25)——