HDFC Bank Millennia Credit Card
HDFC Bank · Visa
Why this card?
- 5% cashback on online shopping at Amazon, Flipkart, Myntra, Tatacliq, Swiggy, Zomato, Uber, BookMyShow, OTT apps and Cultfit; 1% on other spends
- ₹1,000 joining and annual fee; renewal fee waived on ₹1 lakh yearly spend
- 4 domestic airport lounge visits a year
- 1% fuel surcharge waiver
Card details
- Issuer
- HDFC Bank
- Network
- Visa
- Annual Fee
- ₹1,000
- Joining Fee
- ₹1,000
- Reward Type
- cashback
- Best Reward Rate
- 5% on online shopping at amazon / flipkart / myntra / tatacliq / swiggy / zomato / uber / bookmyshow / ott / cultfit
- Forex Markup
- 3.5%
- Domestic Lounge
- 4/yr
- Min. Monthly Income
- ₹35,000
- Rates verified
- 2026-10-06
Our verdict
HDFC Millennia offers 5% CashPoints on 10 popular platforms including Amazon, Flipkart, and Swiggy, with 4 domestic lounge visits per year — but the ₹1,000/month CashPoints cap limits your maximum annual benefit significantly. At ₹1,000/year (waived at ₹1L spend), it's best suited for users who spread spend across multiple platforms rather than concentrating on one.
Pros
- 5% CashPoints on 10 partner platforms — broad category coverage including all major online retailers
- 4 complimentary domestic airport lounge visits per year
- Annual fee waived at ₹1L annual spend
- CashPoints redeemable against statement balance — easy to use
Cons
- ₹1,000/month CashPoints cap — maximum annual cashback is ₹12,000 regardless of spend
- Only 1% CashPoints on non-partner spends
- 3.5% forex markup — no benefit for international use