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HDFC Millennia Credit Card
89/100
HDFC Bank
HDFC’s flagship cashback card for young professionals.
Credwiser Score 89/100

HDFC Millennia Credit Card

HDFC Bank • HDFC’s flagship cashback card for young professionals.

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HDFC Millennia gives 5% cashback on 10 major merchant apps including Amazon, Flipkart, Swiggy, Zomato, Myntra, and Uber, redeemable 1:1 against statement credit.

Annual Fee (+ 18% GST)₹1,000 (₹1,180 incl. GST)
Fee Waiver₹1,00,000 annual spend
Joining Perk1,000 CashPoints upon fee payment
Primary Reward5% Cashback on Amazon, Flipkart, Swiggy, Zomato, Uber, Myntra
Airport Lounge Access4 Domestic Lounge visits per year (spend-linked)
Forex Markup3.5% + 18% GST
RuPay UPINo
Best ForYoung working professionals shopping across leading merchant websites

What We Like

  • 5% cashback on top Indian consumer apps
  • Points redeemable 1:1 against credit card statement cash balance
  • Low ₹1 Lakh annual spend waiver threshold

Watch Out

  • 5% cashback capped at ₹1,000 per calendar month
  • Requires manual statement credit redemption in NetBanking

MITC & Hidden Charges

Annual fee ₹1,000 + 18% GST. CashPoints valid for 2 years.

HDFC Millennia Credit Card FAQs

Are Millennia CashPoints redeemable 1:1 for cash?

Yes. 1 CashPoint = ₹1 when redeemed against your credit card statement balance in HDFC NetBanking.

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