HDFC Millennia
Issuer: HDFC Bank
Network: Visa | Tier: Mid-Range
The HDFC Millennia Credit Card is designed for the digitally-savvy generation with 5% cashback on top e-commerce platforms and 2.5% on all online spends. With airport lounge access and a low annual fee, it's one of the best mid-range cards in India.
Fees & Charges
| Annual Fee | ₹1,000 + GST |
|---|---|
| Joining Fee | ₹1,000 + GST |
| Interest Rate | 3.49% per month |
| Foreign Markup | 3.5% + GST |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 |
Rewards & Benefits
| Reward Rate | 5% on Amazon, Flipkart, Myntra |
|---|---|
| Welcome Bonus | 1,000 CashPoints |
| Lounge Access | 4 per quarter (domestic) |
| Best For | Online shoppers and millennials |
Key Highlights
- 5% cashback on Amazon
- Flipkart
- Myntra
- 2.5% cashback on all online spends
- 1% cashback on offline spends
- 4 lounge visits per quarter
- Low annual fee with waiver on ₹1 lakh spend
Eligibility Criteria
- Minimum income ₹4 lakh per annum
- CIBIL score 700+
- Age 21-60 years
Minimum Income Required: ₹4,00,000+ per annum
Pros
- Great for online shopping
- Good cashback rates
- Lounge access at low fee
- Easy to get
- Spend-based fee waiver
Cons
- 1% offline cashback is low
- Monthly cashback caps
- Not ideal for travelers
- Cashback as CashPoints not direct
Expert Rating: 4.3/5