HDFC Bank Millennia is best for shoppers on amazon, flipkart, swiggy and zomato. 5% cashback on 10 merchants: Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato.
Effective value back per ₹100 spent. Cashback earned as Reward Points (1 point = ₹1 against the statement, minimum 500 points to redeem).
Estimated yearly value after fees and caps for typical spending patterns.
| Balanced spender ₹3,96,000/yr spend | ₹7,440 |
|---|---|
| Online shopper ₹3,90,000/yr spend | ₹12,060 |
| Frequent traveller ₹8,04,000/yr spend | ₹9,724 |
| Family & groceries ₹5,88,000/yr spend | ₹13,120 |
Domestic lounge access on quarterly spend milestones
The HDFC Bank Millennia credit card has a joining fee of ₹1,000 and an annual fee of ₹1,000, plus 18% GST. The annual fee is waived if you spend ₹1,00,000 or more in a card year.
The HDFC Bank Millennia card is best for: shoppers on amazon, flipkart, swiggy and zomato. Its main strengths are: 5% cashback on 10 merchants: amazon, bookmyshow, cult.fit, flipkart, myntra, sony liv, swiggy, tata cliq, uber and zomato; 1% cashback on other spends. Its main drawback: 5% and 1% cashback each capped at ₹1,000 a month.
The HDFC Bank Millennia card charges a 3.5% forex markup on international transactions, plus 18% GST on the markup.
Yes: Domestic lounge access on quarterly spend milestones. Banks often attach spend conditions to lounge access, so check the latest terms.