Key Benefits
5% cashback on 10 brands, Rs 1K quarterly vouchers, dining discounts
Lounge Access
2 domestic lounges per quarter on Rs 1L quarterly spend
Eligibility
Min Rs 35K/month income, age 21-60, CIBIL 750+
The HDFC Millennia Credit Card is a solid entry-level cashback card ideal for young professionals who shop frequently on popular online platforms. With 5% cashback on 10 major brands and a simple 1:1 CashPoint redemption, it offers genuine value for everyday spending. However, the monthly cap of Rs 2,000 limits earnings for heavy spenders, and the lack of premium benefits makes it unsuitable as a primary card for affluent users.
Best For
Young professionals and online shoppers who frequently use Amazon, Flipkart, Swiggy, Zomato, and other popular platforms
Not Ideal For
Heavy spenders seeking premium perks, international travelers needing low forex markup, or those who want uncapped reward earnings
visits per quarter
Available on meeting quarterly spend milestone of Rs. 1 lakh. Access via card swipe at domestic airport lounges.
All Spends
Amazon
Flipkart
Myntra
Swiggy
Zomato
Uber
Bookmyshow
Cultfit
Sonyliv
Tatacliq
Grocery
Utility Bills
Insurance
Redeem your points for cashback, travel, and more
Statement Credit
Minimum 500 CashPoints required. Cashback redemption capped at 3,000 CashPoints per calendar month. Redemption fee of Rs 50 per request.
SmartBuy Flights
Reward point redemption for flights capped at 50,000 points per calendar month. Max 50% of booking value can be redeemed via points.
SmartBuy Hotels
Reward point redemption for hotels capped at 50,000 points per calendar month. Max 50% of booking value can be redeemed via points.
AirMiles Transfer
Product Catalogue
1,000 CashPoints as welcome benefit on realization of joining fee
value
Gift vouchers worth Rs. 1,000 on spending Rs. 1 lakh or more in each calendar quarter
Spend ₹1,00,000 within 90 days
value
Annual fee of Rs. 1,000 waived on spending Rs. 1 lakh in the previous membership year
Spend ₹1,00,000 within 365 days
value
Instant discount of Rs. 200 with Swiggy Dineout twice per month on minimum order of Rs. 2,000
Spend ₹2,000 within 30 days
value
Dining
2 /month
20.00% off
Instant Rs. 200 discount via Swiggy Dineout, twice per month on min order Rs. 2,000
See how this card performs in different spending categories compared to other cards.
The HDFC Millennia Credit Card is one of HDFC Bank's most popular entry-to-mid-level credit cards, designed specifically for young professionals and millennials who prefer online shopping and digital transactions. Launched to cater to the tech-savvy generation, this card offers attractive cashback on India's most popular online platforms including Amazon, Flipkart, Swiggy, Zomato, and more.
With a modest annual fee of Rs. 1,000 that is easily waived on spending Rs. 1 lakh per year, the Millennia card strikes a good balance between affordability and value. The card earns CashPoints on every purchase, which can be redeemed at a straightforward 1:1 ratio as statement credit, making it one of the simplest cashback cards to understand and use.
The HDFC Millennia Credit Card is a cashback-focused credit card issued by HDFC Bank on the Visa network. It belongs to the entry-level segment of HDFC Bank's credit card portfolio, positioned below cards like the Regalia and Regalia Gold.
Earn 5% cashback (as CashPoints) on purchases from 10 leading online brands: Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, and Zomato. This is capped at 1,000 CashPoints per statement cycle.
Earn 1% cashback on all other eligible online and offline spends, capped at 1,000 CashPoints per statement cycle. Combined with the partner rate, you can earn up to 2,000 CashPoints per month.
Spend Rs. 1 lakh or more in each calendar quarter and receive gift vouchers worth Rs. 1,000. This translates to potential savings of Rs. 4,000 per year on annual spending of Rs. 4 lakh.
Get an instant discount of Rs. 200 via Swiggy Dineout twice per month on a minimum order value of Rs. 2,000. This provides additional dining savings of up to Rs. 400 per month.
Enjoy a 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 5,000 at all fuel stations in India, capped at Rs. 250 per billing cycle.
Receive 1,000 CashPoints (worth Rs. 1,000) as a welcome benefit upon realization of the joining fee, effectively making the first year free.
The HDFC Millennia Credit Card provides domestic airport lounge access on a milestone-based system. This benefit was restructured in December 2023.
The HDFC Millennia Credit Card uses CashPoints as its reward currency. Here is how you earn them:
CashPoints can be redeemed through multiple channels with varying value:
| Redemption Option | Value per CashPoint |
|---|---|
| Statement Credit (Cashback) | Rs. 1.00 |
| Flights/Hotels via SmartBuy | Rs. 0.30 |
| Product Catalogue | Rs. 0.30 |
| AirMiles Transfer | Rs. 0.30 |
| Fee Type | Amount |
|---|---|
| Joining Fee | Rs. 1,000 + GST |
| Annual Fee | Rs. 1,000 + GST (waived on Rs. 1 lakh annual spend) |
| Cash Advance Fee | 2.5% of amount or Rs. 500, whichever is higher |
| Over-Limit Charge | 2.5% of over-limit amount, minimum Rs. 550 |
| Late Payment Fee | Rs. 500 + GST |
| Foreign Currency Markup | 3.5% of transaction value |
| Payment Return Charges | 2% of payment amount, minimum Rs. 450 |
| Reward Redemption Fee | Rs. 99 per redemption request |
| Cashback Redemption Fee | Rs. 50 per cashback redemption |
| Cash Processing Fee | Rs. 100 (branch/ATM payments) |
| Duplicate Statement | Rs. 10 per statement |
| Railway Booking Fee | 1% of transaction + GST |
| Rent Payment Fee | 1% of transaction, capped at Rs. 3,000 |
| Balance Transfer | 1% of BT amount or Rs. 250, whichever is higher |
| EMI Processing Fee | Up to Rs. 299 |
| Fuel Surcharge | 1% waiver on Rs. 400-5,000 transactions (cap Rs. 250/cycle) |
You can also apply through authorized platforms like PaisaBazaar, BankBazaar, or CardInsider.
The HDFC Millennia Credit Card is a well-rounded entry-level cashback card that delivers genuine value for online shoppers and young professionals. Its 5% cashback on 10 of India's most popular brands, combined with a straightforward 1:1 CashPoint redemption, makes it easy to understand and use effectively.
The card shines brightest when you can maximize the partner merchant cashback and quarterly milestone vouchers. At Rs. 4 lakh annual spend, the effective reward rate reaches approximately 4.65% when combining cashback, milestone vouchers, and the annual fee waiver - which is excellent for a card in this segment.
However, the monthly cap of 2,000 CashPoints limits the card's appeal for heavy spenders, and the 3.5% forex markup makes it a poor choice for international transactions. If you primarily shop online with the listed partners and your monthly spending falls within the cashback caps, the HDFC Millennia is an excellent choice for your wallet.
Last updated: 31 January 2026
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