HDFC Bank Millennia
Mid Range Visa

HDFC Bank Millennia

HDFC Bank

★★★★☆ 4.1/5
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Opens the issuer’s official application page.

Joining Fee₹1,000
Annual Fee₹1,000
Fee WaiverSpend ₹1L/year
Forex Markup3.5% + GST
Lounge2 domestic lounge visits/quarter via HDFC Lounge Key program

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
Ready to apply for the HDFC Bank Millennia?

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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).

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