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
Reviews are written by readers and checked by us before publishing. They're personal experiences and don't affect our rankings, which are calculated from card terms.
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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.