HDFC Millennia Credit Card Review 2026: 5% Cashback & Fees
Get 5% cashback on Amazon, Flipkart, Swiggy & more with HDFC Millennia. Check fees, eligibility, and how to redeem CashPoints at 1:1 value.
The HDFC Millennia remains one of the best entry-level cashback cards in India, especially for those who prefer direct statement credit. While recent devaluations have made lounge access harder to get, its 5% merchant network is still highly relevant for urban spenders.
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The Bottom Line
The HDFC Bank Millennia Credit Card is the HDFC Millennia remains one of the best entry-level cashback cards in India, especially for those who prefer direct statement credit. While recent devaluations have made lounge access harder to get, its 5% merchant network is still highly relevant for urban spenders. With a ₹1,000 annual fee that is waived on ₹1,00,000 yearly spend, it offers 0% rewards on special rate and contactless payments. For anyone researching hdfc millennia credit card, the verdict is simple: recommended.
It earns a base reward rate of 1% and stacks best when your spending lines up with online-shopper, millennial-professional. The renewal fee gets easier to justify once you can hit ₹1,00,000 in yearly spend.
Who Should Get This Card
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Best fit for
IdealHigh 5% cashback on popular platforms like Amazon, Flipkart, and Zomato.
Tailored for digital-first spending habits with easy statement credit redemption.
Probably not for
SkipMonthly cashback caps limit the value for those spending over ₹20,000 on partner brands.
Lounge access is restricted and requires high quarterly spending.
Is It Worth It For You?
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Reward Rates
HDFC Bank Millennia Credit Card offers 1% basic reward rate.
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Milestone Benefits
Bonus Points
Fees & Charges
Eligibility
- Min Income: ₹4.2 Lakhs
- Min Credit Score: 750
- Salaried: Net Monthly Income > ₹35,000. Self-Employed: ITR > ₹6.0 Lakhs per annum. Age: 21-40 years.
Exclusions & Terms
Fuel
Rent Payments
Government Related Transactions
Cash Advances
Education (Third-party apps)
Frequently Asked Questions
3 data-backed answers from our card database