8 complimentary domestic airport lounge visits per year (2 per quarter) on meeting the spend criteria.
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⚖ Add to comparisonHDFC Bank · Visa
HDFC Millennia Credit Card
A cashback card built for online-first young spenders: 5% back as CashPoints at Amazon, Flipkart, Swiggy, Zomato, Myntra and a handful more, with 1% on everything else, at a Rs.1,000 fee. The 5% is capped per cycle and the CashPoints are worth most when redeemed as statement credit, so read the cap before assuming big returns; outside the partner list it's an ordinary 1% card. Spend Rs.10,000/month across the bonus merchants and you're near the monthly cap, worth a few hundred rupees back. The 3.5% foreign markup and roughly 43.2% APR mean it's neither a travel nor a revolving-balance card. Confirm current caps and merchants with HDFC.
⟳ Rates & fees verified June 2026 — always confirm the current terms on the issuer's official site before applying.
What you earn
- ✓5% cashback as CashPoints at Amazon, Flipkart, Swiggy, Zomato, Myntra and more
- ✓1% CashPoints on every other spend, EMI and wallet loads included
- ✓Rs.1,000 in gift vouchers for Rs.1 lakh of quarterly spending
- ✓As much as Rs.1,000 cashback each statement cycle within the 5% categories
- ✓The RuPay variant extends 5% back to UPI spending
👍 Pros
- + Strong cashback on the very apps younger users rely on
- + A low annual fee, readily waived at Rs.1 lakh of spending
- + Quarterly milestone vouchers accumulate
- + Comes with domestic lounge entry, uncommon at this price
👎 Cons
- – Monthly caps restrict how much 5% cashback you can collect
- – A high forex markup makes it a poor fit abroad
- – The 1% base rate is only average
Can you get it?
- ▸Indian resident aged 21 to 40
- ▸A CIBIL score of 720 or above is advisable
- ▸Salaried monthly income near Rs.35,000, or self-employed ITR over Rs.6 lakh
- ▸A valid PAN along with KYC documents
Requirements are general guidance — the issuer makes the final decision. Learn more about card requirements →
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