CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
HDFC Bank

HDFC Millennia Credit Card

50
Ranked #29 of 170 in credit
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HDFC's popular entry-to-mid tier cashback card targeted at digital-first spenders, offering 5% cashback on 10 major online brands with capped monthly earnings.

Score breakdown

Data completeness: 95% · Last verified: 09 Jul 2026

Reward value41/100 · weight 71%
≈ 2.01% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +2.5% score bonus — earns broadly without narrow category restrictions.
Fee efficiency91/100 · weight 12%
Redemption flexibility92/100 · weight 9%
Perks28/100 · weight 9%

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: Renewal fee waived on annual spend of Rs 1,00,000
Forex markup
2%

Lounge access

Domestic (per year)
4
International (per year)
0

Reward structure

CategoryTypeRateCapNotes
online_shoppingcashback5%₹1,000 / monthly5% on Amazon, Flipkart, Myntra, Tata CLiQ; capped 1,000 CashPoints/statement cycle across the 5% category
food_deliverycashback5%₹1,000 / monthly5% on Swiggy, Zomato; shares the same 1,000 CashPoints/cycle cap as other 5% brands
online_spendscashback5%₹1,000 / monthly5% Cashback on Amazon, Flipkart, Myntra, SonyLIV, Swiggy, Tata CLiQ, Uber and Zomato
all_spendscashback1%₹1,000 / monthly1% CashPoints on all other spends incl. EMIs/wallet loads

Welcome offer

1,000 CashPoints on payment of joining fee

Milestone benefits

Pros

  • 5% cashback on Amazon, Flipkart, Swiggy, Zomato, Myntra, Uber, BookMyShow, Cult.fit, Sony LIV, Tata CLiQ
  • 1% on all other spends incl. EMIs/wallet loads
  • realistic fee waiver at Rs 1L annual spend

Cons

  • Tight monthly cap of 1,000 CashPoints (~Rs 1,000) in 5% category
  • lounge access no longer free, needs Rs 1L quarterly spend
  • Rs 50 redemption fee since Aug 2024
  • growing exclusion list

What's inside

More benefits

  • Milestone brand voucher or lounge access

    ₹1,000

    Choice of Rs 1,000 brand voucher or 1 complimentary domestic lounge access

    Cap ₹4,000 / quarterly. On Rs 1 lakh spend in a calendar quarter

Insurance cover

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Eligibility

text
Age 21-40; salaried net monthly income > Rs 35,000; self-employed ITR > Rs 6 lakh/annum

Small print

Fuel surcharge:1% fuel surcharge waiver on Rs 400-Rs 5,000 transactions, capped at Rs 250/statement cycle