Cashback · Visa
Millenia
By HDFC · Visa
₹1,000
+ GST
Annual Fee
₹1,000
+ GST
Joining Fee
up to 5%
Best Rate
The Verdict
HDFC Millenia is one of HDFC's most popular entry-level cards. Best value from 5% cashback on 10 online merchants (non-EMI only). 1,000 CashPoints/cycle cap means max benefit on ₹20K spend per categor...
Best Suited For
- Online shoppers (Amazon, Flipkart, Swiggy, Zomato)
- Entry-level cashback seekers
- Young professionals with ₹35K+ salary
Welcome & Onboarding
Benefit 1
1,000 CashPoints on paying joining membership fee (no CashPoints for renewal fee)
Airport Lounge Access
Domestic
NO complimentary lounge access (removed effective Dec 1, 2023)
International
None
Reward Rates
Amazon/Flipkart/Myntra/Swiggy/Zomato/Uber/BMS/SonyLIV/Cult.Fit/TataCLiQ (5%) Cap: ₹1,000/cycle | 5% |
Base Spends Cap: ₹1,000/cycle | 1% |
Milestone Rewards
₹1,00,000 net spends (spends minus reversals) in a calendar quarter
₹1,000 gift voucher (choose from: BigBasket, BookMyShow, Pizza Hut, PVR, Uber, or more at gyftr.com/hdfcbankmillennia/)
Only transactions settled within the quarter count. EMI principal paid in the quarter counts. SmartEMI/Dial an EMI does NOT count. Voucher SMS sent within 30 working days. Voucher valid 120 days from issue. Once issued, cannot be changed/reissued. Queries after 90 days of quarter end won't be entertained.