5% cashback on 10 partner brands incl. Amazon, Flipkart, Swiggy, Zomato
1% cashback on other spends
Fee waived on ₹1 lakh yearly spend
Domestic lounge access (spend-based)
5% cashback is capped monthly (reported around ₹1,000) and credited as CashPoints you redeem against your statement.
Approximate value back on every ₹100 you spend.
The HDFC Millennia Credit Card is worth it if you spend a lot on food delivery & dining (5%) and online shopping (4%). The ₹1,000 annual fee is waived when you spend ₹1,00,000 a year (about ₹8,333 a month), so it's worth it if you'll hit that. It's less suitable if 5% cashback is capped each month.
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Compare: HDFC Millennia vs Cashback SBI Card · HDFC Regalia Gold vs HDFC Millennia
21–60 years (salaried), up to 65 (self-employed)
Regular income; the bank sets the minimum
750+ gives the best approval chances
PAN, Aadhaar, and recent salary slips or ITR
The joining fee is ₹1,000 and the annual fee is ₹1,000 (plus GST). The annual fee is waived if you spend ₹1,00,000 or more in a year.
No. The HDFC Millennia Credit Card runs on Visa / Mastercard, and only RuPay credit cards can be linked to UPI.
Yes: Domestic (spend-based). Lounge rules can change, so check current terms with the issuer.
It's best for online brands cashback. 5% cashback on Amazon, Flipkart, Myntra, Swiggy, Zomato and other partner brands.
HDFC Bank
Axis Bank
ICICI Bank