Millennia Credit Card (RuPay)
Issuer: HDFC Bank
Network: Visa | Tier: Entry
UPI + cashback
Fees & Charges
| Annual Fee | ₹1,000 |
|---|---|
| Joining Fee | ₹1,000 |
| Interest Rate | 3.49% per month |
| Foreign Markup | 3.5% |
| Fuel Surcharge Waiver | 1% waiver |
Rewards & Benefits
| Reward Rate | 5% online |
|---|---|
| Welcome Bonus | Welcome cashback |
| Lounge Access | None |
| Best For | UPI users |
Key Highlights
- UPI + cashback
- 5% online
Eligibility Criteria
- Age: 21-60 years
- CIBIL score: 750+
- Minimum income: ₹3,00,000/year
Minimum Income Required: ₹3,00,000/year
Pros
- UPI enabled
Cons
- Same as base card
Expert Rating: 4.5/5