Millennia Credit Card

Name: HDFC Bank Millennia Credit Card
Brand: HDFC Bank
Price: 1180 INR
Rating: 5.26 (1 reviews)

Ranked #22 of 170 in credit

creditVisa/Mastercard (no RuPay variant currently available)Entry-level cashback

HDFC most widely-held entry-level cashback card, targeting millennials with 5% cashback across 10 popular online brands (Amazon, Flipkart, Swiggy, Zomato etc.) and 1% on other spends, with a Rs 1 lakh fee waiver threshold.

Score breakdown

Data completeness: 100% · Last verified: 09 Jul 2026

Reward value45/100 · weight 71%

≈ 2.19% effective on the standard basket (eligible spend only)

Wide-coverage rewards: +3.0% score bonus — earns broadly without narrow category restrictions.

Fee efficiency91/100 · weight 12%

Redemption flexibility92/100 · weight 9%

Perks20/100 · 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
Forex markup: 3.5%

Lounge access

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

Reward structure

Category	Type	Rate	Cap	Notes
online_spends	cashback	5%	₹1,000 / monthly	5% on Amazon/Flipkart/Swiggy/Zomato capped Rs 1000/mo
dining	cashback	5%	₹1,000 / monthly	5% on Swiggy/Zomato
online_shopping	cashback	5%	₹1,000 / monthly	5% cashback on Amazon, Flipkart, Myntra, Tata CLiQ; capped 1,000 CashPoints/month shared across all 5% brands
food_delivery	cashback	5%	₹1,000 / monthly	5% cashback on Swiggy, Zomato; shares the 1,000 CashPoints/month cap with other 5% brands
all_spends	cashback	1%	₹1,000 / monthly	1% cashback on other online and offline spends, capped 1,000 CashPoints/month

Welcome offer

1,000 CashPoints on joining fee payment (effectively refunds ~full first-year fee before GST)

Milestone benefits

Pros

Strong and simple 5% cashback across 10 major brands (Amazon, Flipkart, Swiggy, Zomato, Myntra, Uber, BookMyShow, Cult.fit, Sony LIV, Tata CLiQ), effectively combines value of several co-brand cards in one, achievable Rs 1 lakh fee waiver, 1,000 CashPoints welcome makes year one effectively free, up to 20% Swiggy Dineout discount

Cons

FLAG — free lounge access removed Dec 2023, now gated behind Rs 1 lakh/quarter spend and mutually exclusive with the cash voucher
both 5% and 1% categories capped separately at 1,000 CashPoints/month (~Rs 2,000/month combined max)
growing exclusion list (fuel, and reportedly expanding)
Rs 50 redemption fee introduced Aug 2024
age-restricted to 21-40 (unusual upper bound)

What's inside

More benefits

Swiggy Dineout discount
Up to 20% discount at partner restaurants
Milestone brand voucher or lounge choice
₹1,000
Choice of Rs 1,000 brand voucher OR 1 complimentary domestic lounge access (mutually exclusive)
Cap ₹4,000 / quarterly. Rs 1 lakh spend per calendar quarter

Insurance cover

text: ₹NaN

Eligibility

text: Age 21-40, salaried income Rs 35,000/month+ or self-employed ITR Rs 6 lakh+/year

Small print

Fuel surcharge:1% fuel surcharge waiver on Rs 400-5,000 transactions, capped Rs 250/statement cycle; no cashback on fuel