HDFC Bank Millennia Credit Card
The Best CashBack Credit Card for Millennials
Annual Fee
₹1,000
Base Rewards
1.0%
Forex Fee
3.5%
Expert Verdict
The HDFC Millennia remains a top-tier cashback card for the digital-first generation, offering high value on essential apps. While recent changes have made lounge access harder to get, the 1:1 statement credit redemption keeps it highly competitive.
Quick Match
Is this card right for you?
Great match for your profile!
Your Estimated Value
Year 1
+₹6,000
Includes ₹1,000 bonus
Year 2+
+₹5,000
Fee waiver eligible!
Why get this card
Flat 5% cashback on 10 major online merchants including Amazon, Flipkart, and Swiggy
1:1 redemption ratio for statement credit (1 CashPoint = ₹1)
Achievable annual fee waiver on spending ₹1 Lakh in a year
Watch out for
Monthly cashback capped at ₹1,000 for the 5% category and ₹1,000 for the 1% category
Lounge access is no longer automatic; requires ₹1 Lakh quarterly spend and is a choice against a voucher
Strict age eligibility capped at 40 years for new applicants
Who is this card for?
Best for
online shopper
Users who frequently shop on Amazon, Flipkart, Myntra, and order via Swiggy/Zomato.
Min: ₹20,000/mo
Skip if you're
high spender
Users spending over ₹20,000/month on partner brands will hit the cashback cap quickly.
Base Earning
1 CashPoints
per ₹100 spent
1.0%
effective rate
Point value: ₹1.00/point
Bonus Categories
Partner Merchants - SHOPPING/DINING/TRAVEL
5×
5% return
1000 pts/month
Welcome Offer
Welcome bonus credited upon payment of joining fee.
1,000
points
₹1,000
value
Milestones
Spend ₹1.0L
Choice between ₹1,000 Gift Voucher OR 1 Complimentary Domestic Lounge Access voucher.
No rewards on:
Fuel, rent payments, utility bills, government payments, wallet loads, insurance premiums, EMI transactions
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Visa
Upgrade Path
Move up or down within this bank