cards / mid / hdfc-millennia
HDFCUnknownmid-tier

HDFC Bank Millennia Credit Card

Everyday value for online-heavy spenders who want straightforward cashback.

excellent shape
health 100/100
annual fee₹ 1,000/yr
joining fee₹ 1,000
fee waiver at₹ 1,00,000/yr
base earn rate1 / ₹100
rewards inCashPoints
forex markup3.5%
welcome benefit₹ 1,000

✓ best for

AmazonFlipkartMyntra

⚠ heads up

no major caveats we’re tracking.

earn rates

categoryratecap/mo
base · everything else1%
Amazon5%₹ 1,000
Flipkart5%₹ 1,000
Myntra5%₹ 1,000
Swiggy (food)5%₹ 1,000
Zomato5%₹ 1,000
Nykaa5%₹ 1,000
AJIO5%₹ 1,000

† these categories share a single combined monthly cap.

benefits & perks

Welcome Benefits

1,000 bonus CashPoints on the successful realization of the joining fee.

Swiggy Dineout

Flat ₹200 Discount on Swiggy Dineout (Minimum Order Value ₹2,000). Valid Twice Each Month

unlocks at ₹ 2,000/yr

Quarterly Spend Benefit

Gift vouchers worth ₹1,000 on spending ₹1 lakh or above in a quarter.

unlocks at ₹ 1,00,000/yr

Fuel Surcharge Waiver

1% of the fuel surcharge is waived on a minimum payment of ₹400 at all petrol stations across India (the waiver amount is capped at a maximum of ₹250 per payment cycle).

unlocks at ₹ 400/yr

run your spend profileto see this card's value for you.