Affiliate Disclosure: We may earn a commission when you apply for a card through our links, at no extra cost to you. Learn more
Mid Range Visa

HDFC Bank Millennia

HDFC Bank · Visa

★★★★☆ 4.1/5
Joining Fee ₹1,000
Annual Fee ₹1,000
Fee Waiver Spend ₹1L/year
Forex Markup 3.5% + GST
Lounge Access 2 domestic lounge visits/quarter via HDFC Lounge Key program

Ready to apply?

Visit the issuer's official website to apply.

Apply on Issuer Website →

Welcome Benefit

1,000 reward points

Earn Rates

5% cashback on Amazon, Flipkart, Myntra, Swiggy, Zomato, BookMyShow; 1% on other spends

Key Highlights

  • Best entry-level card for online shopping
  • 5% cashback is paid as CashPoints, redeemable against statement balance
  • No minimum transaction for 5% cashback (unlike some cards)

Milestone Benefits

  • Quarterly milestone: ₹500 cashback on ₹1L spend in a quarter

Lounge Access

2 domestic lounge visits/quarter via HDFC Lounge Key program

Fuel Surcharge Waiver

1% waiver at HPCL pumps; max ₹250/month

Best For

  • Entry-level card seekers
  • Heavy Amazon/Flipkart/Swiggy/Zomato users
  • Students and young professionals

Not Great For

  • International travel (3.5% forex markup)
  • Offline/grocery spend
Verified: Data last verified 17 June 2026. Sources: cardexpert.in

Frequently Asked Questions

Is the 5% cashback on Swiggy and Zomato via Millennia capped?

Yes. The 5% cashback is capped at ₹1,000 per month across all partner merchants combined. Cashback is credited as CashPoints (1 CP = ₹0.30 redemption value).

Comments

Comments are coming soon — we're setting up our community platform. Have a question? Get in touch.

Related Cards in Mid Range

mid range

SBI Card Cashback

SBI Card · Visa

★★★★½ 4.5/5
Annual Fee ₹999
Joining Fee ₹999
Forex Markup 3.5% + GST

Earn Rate: 5% cashback on all online transactions; 1% on offline

  • Best flat-rate online cashback card in India — 5% with NO merchant restrictions
  • Cashback auto-credited to card statement — no redemption needed
  • No cap on 5% cashback per month
Full Review → Apply via issuer website
mid range

Axis Bank ACE Credit Card

Axis Bank · Visa

★★★★☆ 4.2/5
Annual Fee ₹499
Joining Fee ₹499
Forex Markup 3.5% + GST

Earn Rate: 5% cashback on bill payments & recharges via Google Pay; 4% on Swiggy, Zomato, Ola; 1.5% others

  • Best card for utility bill payments and recharges in India — 5% cashback
  • Cashback auto-credited — no redemption hassle
  • Strong 4% on Swiggy, Zomato, and Ola
Full Review → Apply via issuer website
mid range

HSBC Live+ Credit Card

HSBC India · Visa

★★★★☆ 4.1/5
Annual Fee ₹999
Joining Fee ₹999
Forex Markup 3.5% + GST

Earn Rate: 10% cashback on Swiggy, Zomato, Ola; 1.5% on all other spends

  • 10% cashback on Swiggy, Zomato, and Ola is the highest rate in this category
  • Cashback credited directly to statement
  • Cap: ₹3,000/month on partner cashback (still excellent value)
Full Review → Apply via issuer website