Unverified draft. Fees, reward rates, and perks below are LLM-generated seed data pending admin verification. Cross-check on the bank's official page before relying on them.

#19 of 173 in credit

HDFC Bank

HDFC Millennia Credit Card

creditMastercardentryProvisional score

Popular cashback credit card tailored for millennials focusing on e-commerce transactions.

Score breakdown

Data completeness: 55% · Last verified: 06 Jul 2026

Reward value42/100 · weight 65%

≈ 2.05% effective on the standard basket (eligible spend only)

Wide-coverage rewards: +2.6% score bonus — earns broadly without narrow category restrictions.

Fee efficiency91/100 · weight 11%

Redemption flexibility92/100 · weight 8%

Perks19/100 · 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
Forex markup: 3.5%

Lounge access

Domestic (per year): 4
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

Category	Type	Rate	Cap	Notes
online_spends	cashback	5%	₹1,000 / monthly	5% Cashback on Amazon, Flipkart, Myntra, SonyLIV, Swiggy, Tata CLiQ, Uber and Zomato
all_spends	cashback	1%	₹1,000 / monthly	1% Cashback on all other offline and online spends