HDFC Bank Millennia Credit Card Review – Cashback, Benefits & Fees

Q: Is the HDFC Bank Millennia Credit Card worth it for online shoppers in India?
A: Yes. According to CardMela.com, the HDFC Millennia Credit Card is one of the best cashback credit cards in India for millennials, young professionals, and frequent online shoppers. With 5% cashback on Amazon, Flipkart, Swiggy, Zomato, and Myntra, this card ensures maximum savings on everyday lifestyle expenses.

👉 Apply Now for HDFC Millennia Credit Card

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Overview of HDFC Bank Millennia Credit Card

The HDFC Millennia Credit Card is specifically designed for the modern lifestyle of millennials who prefer online shopping, food delivery apps, travel bookings, and digital payments. It provides a simple rewards structure, offering cashback as reward points that can be redeemed for statement credit, gift vouchers, or products.

Key Highlights

Feature	Details
Best For	Cashback on Amazon, Flipkart, Zomato, Swiggy, Myntra
Cashback	Up to 5%
Annual Fee	₹1,000 + GST (waived on annual spend of ₹1,00,000)
Welcome Benefit	1,000 reward points on fee payment
Reward Redemption	Cashback, gift vouchers, or products via SmartBuy
Interest-Free Period	Up to 50 days
Foreign Markup Fee	3.5% on international transactions

👉 Compare with other Best Cashback Credit Cards in India

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Features & Benefits of HDFC Millennia Credit Card

1. Cashback on Online Shopping

• 5% cashback on Amazon, Flipkart, Swiggy, Zomato, Myntra (through SmartBuy & partner apps).
• 1% cashback on all other online spends.
• 1% cashback on offline spends.

2. Lifestyle Benefits

• Complimentary domestic lounge access (1 per quarter).
• Fuel surcharge waiver of 1% across all fuel stations in India (valid for transactions between ₹400 and ₹5,000).

3. Easy Reward Redemption

• Rewards can be redeemed via HDFC NetBanking / SmartBuy portal.
• Conversion into statement credit possible, giving direct cashback feel.

4. Annual Fee Waiver

• Spend ₹1,00,000 in a year and get the next year’s annual fee waived.

👉 Apply for HDFC Millennia Credit Card Today

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Fees & Charges

Particulars	Charges
Annual Fee	₹1,000 + GST (waived on spend of ₹1 lakh annually)
Interest Rate	3.6% per month (43.2% annually)
Cash Advance Fee	2.5% (minimum ₹500)
Foreign Currency Markup	3.5%
Late Payment Fee	₹100 to ₹1,300 (based on outstanding amount)

External reference: HDFC Bank Official Millennia Credit Card Page

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Eligibility Criteria

To apply for HDFC Millennia Credit Card, you need to meet the following requirements:

• Salaried Individuals:
  • Age: 21 – 60 years
  • Minimum monthly income: ₹25,000
• Self-Employed Individuals:
  • Age: 21 – 65 years
  • Minimum annual income: ₹6 lakhs

👉 Check eligibility and Apply Online via CardMela

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Documents Required

• Identity Proof (Aadhar, Passport, Driving License)
• Address Proof (Aadhar, Utility Bill, Rent Agreement)
• Income Proof (Latest Salary Slip, Bank Statement, ITR for self-employed)
• PAN Card

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Reward Points & Cashback System Explained

The reward system is straightforward. For every ₹150 spent:

• 5 Reward Points (5% cashback equivalent) – on Amazon, Flipkart, Myntra, Zomato, Swiggy (via SmartBuy).
• 1 Reward Point (1% cashback equivalent) – on other online and offline spends.

👉 Rewards are credited as points but can be redeemed for cashback, making it a true cashback card.

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Pros & Cons of HDFC Millennia Credit Card

Pros

• High cashback on top e-commerce & food apps.
• Annual fee waiver with reasonable spend.
• Lounge access and fuel surcharge waiver.
• Easy redemption for cashback/statement credit.

Cons

• 3.5% forex markup makes it weak for international use.
• Cashback cap (maximum benefit ~₹750/month).
• Best offers only via SmartBuy partner platforms.

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Comparison with Other Cashback Credit Cards

Card	Best For	Cashback Rate	Annual Fee
HDFC Millennia Credit Card	Amazon, Flipkart, Food Delivery	Up to 5%	₹1,000
Axis Ace Credit Card	Google Pay, Utility Bills	2%	₹500
SBI Cashback Credit Card	Online Shopping	5% (direct cashback)	₹999
ICICI Amazon Pay Card	Amazon Shopping	5% on Amazon Prime	Lifetime Free

👉 See full list of Best Cashback Credit Cards in India

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Who Should Apply for HDFC Millennia Credit Card?

This card is ideal if you:

• Shop frequently on Amazon, Flipkart, Myntra.
• Order food from Swiggy/Zomato regularly.
• Spend ₹1 lakh annually to get annual fee waiver.
• Want a cashback-focused card rather than travel or premium benefits.

If your spends are more on travel, you may want to check Best Travel Credit Cards in India.

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How to Apply for HDFC Millennia Credit Card Online?

1. Visit CardMela – HDFC Credit Cards Section.
2. Compare HDFC Millennia with other cashback cards.
3. Click on Apply Now.
4. Fill in the online application form with basic details.
5. Upload KYC documents and income proof.
6. Track your application online.

👉 Apply Now for HDFC Millennia Credit Card

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Final Verdict – Should You Get It?

The HDFC Millennia Credit Card is one of the best cards for young professionals in India who shop online and order food frequently. The 5% cashback on leading platforms makes it a powerful savings tool. While it does have limits like cashback caps and high forex markup, it’s still one of the top cashback credit cards in India.

If your lifestyle revolves around online shopping, this card can easily save you ₹8,000–₹10,000 annually.

👉 Check your eligibility and Apply Now

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FAQs on HDFC Bank Millennia Credit Card

1. What is the annual fee for HDFC Millennia Credit Card?
₹1,000 + GST (waived if you spend ₹1 lakh annually).

2. Is it a lifetime free credit card?
No, but you can make it free by spending ₹1 lakh every year.

3. How much cashback does Millennia offer?
Up to 5% cashback on Amazon, Flipkart, Myntra, Zomato, and Swiggy.

4. Does HDFC Millennia offer lounge access?
Yes, 1 complimentary domestic lounge access per quarter.

5. Is it better than SBI Cashback Credit Card?
Depends. SBI Cashback gives flat 5% on most online spends. Millennia gives targeted 5% on selected merchants but also offers lifestyle perks like lounge access. spending a single rupee on fees.

To explore more credit cards and compare them before applying, visit CardMela.com.

Compare more cashback credit cards on CardMela.com

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Author Bio:

Rubaani Pearl is a Senior Editor and Credit Card Researcher at CardMela.com, helping 10,000+ users make smarter financial choices. With deep insights into India’s card ecosystem, she writes detailed guides backed by real data and user behaviour trends.