HDFC Millennia Review 2026 — Fees, Rewards & Eligibility
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.
Why Choose the HDFC Millennia?
The HDFC Millennia is a Mid-Range-tier Visa credit card issued by HDFC Bank, rated 4.3/5 by the Credit Card Hunt editorial team. It is best suited for Online shoppers and millennials. With a reward rate of 5% on Amazon, Flipkart, Myntra and an annual fee of ₹1,000 + GST, it ranks among the popular Cashback cards in India in 2026.
New cardholders are welcomed with 1,000 CashPoints, which adds immediate value in the first year.
HDFC Millennia 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 |
HDFC Millennia 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 of the HDFC Millennia
- 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
HDFC Millennia Eligibility Criteria
- Minimum income ₹4 lakh per annum
- CIBIL score 700+
- Age 21-60 years
Minimum Income Required: ₹4,00,000+ per annum
Advantages of the HDFC Millennia
- Great for online shopping
- Good cashback rates
- Lounge access at low fee
- Easy to get
- Spend-based fee waiver
Drawbacks of the HDFC Millennia
- 1% offline cashback is low
- Monthly cashback caps
- Not ideal for travelers
- Cashback as CashPoints not direct
HDFC Millennia — Frequently Asked Questions
What is the annual fee of the HDFC Millennia?
The HDFC Millennia has an annual fee of ₹1,000 + GST and a joining fee of ₹1,000 + GST. New cardholders receive 1,000 CashPoints as a welcome benefit, which helps offset the joining cost.
Does the HDFC Millennia offer airport lounge access?
Yes — the HDFC Millennia offers 4 per quarter (domestic).
Who is eligible for the HDFC Millennia?
The minimum income requirement is ₹4,00,000+ per annum. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the HDFC Millennia?
The HDFC Millennia earns 5% on Amazon, Flipkart, Myntra. It is best suited for Online shoppers and millennials.
Credit Cards Similar to the HDFC Millennia
If you are considering the HDFC Millennia, these cashback credit cards are worth comparing before you apply:
- ICICI Amazon Pay by ICICI Bank — rated 4.6/5, Nil (Lifetime Free) annual fee
- Axis Flipkart by Axis Bank — rated 4.3/5, ₹500 + GST annual fee
- OneCard by FPL Technologies — rated 4.2/5, Nil (Lifetime Free) annual fee
- IndianOil Citi by Axis Bank — rated 4.2/5, ₹500 + GST (waiver on ₹50K spend) annual fee
Expert Rating: 4.3/5