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CASHBACK CARD

Millennia Credit Card

HDFC Bank

5% CashBack on 10 online merchants and 1% on other spends, earned as Reward Points redeemable against the statement balance. Spends of ₹1,00,000 or more in a calendar quarter earn a ₹1,000 gift voucher or 1 domestic lounge access.

CashBack is capped at 1,000 points a month in each of the 5% and 1% categories. The 5% applies to non-EMI spends only. Fuel, EMI, wallet loading, rent and government payments earn no points. Points lapse after 2 years.

Millennia Credit Card
ANNUAL FEE
₹1,000 + GST
JOINING FEE
₹1,000 + GST
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
5% CashBack on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato
BEST FOR
Included: May suit cardholders who spend regularly at the 10 listed online merchants and prefer cashback redeemed against the.
Included: May suit spends at Amazon, Flipkart, Myntra, Swiggy, Zomato and the other listed online merchants.
Included: May suit those who can reach ₹1,00,000 of spends in a calendar quarter to unlock the voucher or lounge access.
Included: May suit those who fill fuel in transactions of ₹400 to ₹5,000 and use the 1% fuel surcharge waiver.
Limitation: Spends on fuel, rent, government payments, EMI or wallet loading may wish to compare other cards.
Limitation: Those heavy rent, government-payment, fuel, EMI or wallet-loading spends may wish to compare other cards.
Limitation: Those applicants outside age 21 to 40 may wish to compare other cards.
Limitation: Those very high monthly spends may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: The 5% CashBack applies to non-EMI spends at the 10 listed merchants; the same merchants earn 1% when paid through SmartBuy or PayZapp.
Condition: Reward Points redeem against the statement balance at ₹1 each, with a 500-point minimum; cashback redemption is capped at 3,000 points per calendar month.

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
21
Maximum age
40

Fees & ownership

Joining fee
₹1,000 + GST
Annual / renewal fee
₹1,000 + GST
Fee waived at
Spend over ₹1,00,000 in a year before renewal
Forex markup
Not stated
Finance charge
3.75% per month
Cash withdrawal fee
2.5% of the amount, minimum ₹500
Late-payment charge
Not stated
Interest-free period
Not stated

Benefits & privileges

TRAVEL
Domestic airport lounge
1 visit per quarter — 1 domestic lounge access per calendar quarter (alternative to ₹1,000 gift voucher) · Voucher-based: after the quarterly milestone, choose a lounge access voucher or a ₹1,000 gift voucher, not both. · ₹1,00,000 spends in a calendar quarter
International airport lounge
Not stated
Railway lounge
Not stated
Lounge spend requirement
Not stated
Lounge programme
Not stated
EVERYDAY
Fuel
1% waiver at all fuel stations in India; transactions ₹400–₹5,000; max waiver ₹250 per statement cycle
Dining
10% additional discount on Swiggy Dineout using coupon code HDFCCARDS
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
Fuel, EMI, wallet loading, rent, government-related, cash advances, balance payments, card fees and charges, education via third-party apps, online skill-based gaming earn no points.; Fuel, rent, government-related, cash advances, outstanding-balance payments, card fees and charges, EMI transactions and wallet loading earn no Reward Points.
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
Not stated
Redemption fee
₹50
Minimum redemption
Not stated
Credited automatically
Not credited automatically

Who this card may suit

MAY SUIT
Included: 5% CashBack on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato
Included: 1% fuel surcharge waiver at all fuel stations in India on transactions of ₹400 to ₹5,000, up to ₹250 per statement cycle.
Included: 10% additional discount on Swiggy Dineout using coupon code HDFCCARDS.
Included: Up to 10% additional CashBack via PayZapp Shop or SmartBuy; the page also lists up to 10% CashBack across 200+ brands.
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
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Figures last checked 31 Oct 2026 against the issuer’s published terms.