HDFC

HDFC Millennia Credit Card

HDFC Bank

Smart card for millennials

Annual Fee₹1,000
Rewards5% cashback on Amazon, Flipkart
Welcome Bonus1,000 reward points

Key Benefits

  • 5% cashback on Amazon, Flipkart, Myntra
  • 5% cashback on Swiggy, Zomato, Uber, Ola
  • 2.5% cashback on online spends
  • 1% cashback on offline spends
  • 4 airport lounge visits per year
  • Fuel surcharge waiver

Eligibility Criteria

Age21 – 60 years
Minimum Income₹35,000/month (salaried) or ₹7.5 lakhs/year (self-employed)
Credit Score750+ CIBIL score
EmploymentSalaried professionals

Fees & Charges

Annual Fee₹1,000 (waived on ₹1L annual spend)
Joining Fee₹1,000
Late Payment Fee₹1,100
Foreign Transaction Fee3.5% of transaction amount
Cash Advance Fee2.5% of amount (min ₹500)
Interest Rate3.49% per month (41.88% p.a.)

Pros & Cons

Advantages
  • High cashback on food delivery apps
  • Good for online shopping
  • Airport lounge access included
  • Easy to qualify with moderate income
  • HDFC Bank reliability
Disadvantages
  • Monthly cashback cap of ₹1,000
  • Foreign transaction fee is high
  • Annual fee for low spenders
  • Base reward rate is low

Frequently Asked Questions

The monthly cashback is capped at ₹1,000 (₹750 on online + ₹250 on offline spends). This resets every billing cycle.

Yes! You get 5% cashback on Swiggy and Zomato orders, making it one of the best cards for frequent food delivery users.

Spend ₹1 lakh or more in a year to get the next year's annual fee waived. The fee is ₹1,000 if you don't meet this threshold.

Millennia is better for daily online shopping and food delivery with lower income requirements. Regalia is for travelers with higher income who want premium lounge and travel benefits.
HDFC Millennia Credit Card
  • Annual Fee₹1,000
  • Joining Fee₹1,000
  • Credit Limit₹25,000 – ₹3,00,000

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Compare Other Credit Cards

HDFC Credit CardAxis Credit CardPNB Credit CardHDFC Regalia Credit Card

Disclaimer: The information provided is for reference only. Credit card approval is subject to the bank's terms and conditions. Interest rates, fees, and benefits may change without notice. Please verify details on the official bank website before applying.