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HDFC Bank
VISA
Millennia

HDFC Bank Millennia

Cashback-focused lifestyle card offering 5% cashback across 10 popular online brands and a modest, easily-waived annual fee.

cashbackonline-shoppingfirst-timerslifestyle

Last reviewed 13 July 2026

Fees

Joining fee

₹1,000

Annual fee

₹1,000

Waiver: Waived on annual spend of ₹1,00,000 or more in the preceding cardmembership year

Eligibility

Min. monthly income: ₹35,000

Min. CIBIL Score: 700+

Age: 21–60 yrs

Employment: salaried, self employed

Rewards

online shopping5% cashback(cap ₹1,000 cashback/1mo)
all other1% cashback(cap ₹1,000 cashback/1mo)

Welcome benefits

  • • 1,000 CashPoints (worth ₹1,000) credited on payment of joining fee

Perks

  • ✓Fuel surcharge waiver: 1%Capped at ₹250/month
  • ✓Forex markup: 3.5%
  • ✓5% cashback (as CashPoints) at 10 partner brands: Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, Zomato
  • ✓Gift voucher worth ₹1,000 or an airport lounge access voucher on quarterly spend of ₹1,00,000+
  • ✓10% discount at partner restaurants via Swiggy Dineout, up to twice a month (minimum bill ₹2,000)
  • ✓50-day interest-free credit period

Common questions

What is the annual fee on the HDFC Bank Millennia?
The joining fee is ₹1,000. The annual fee is ₹1,000. Waived on annual spend of ₹1,00,000 or more in the preceding cardmembership year
What are the reward rates on the HDFC Bank Millennia?
HDFC Bank Millennia earns 5% cashback on online shopping, 1% cashback on all other spends.
Does the HDFC Bank Millennia offer airport lounge access?
No, the HDFC Bank Millennia does not include complimentary airport lounge access.
Who is eligible for the HDFC Bank Millennia?
Applicants typically need a minimum monthly income of ₹35,000, a CIBIL Score of 700+, a minimum age of 21, and must be salaried or self employed. Exact criteria are set by HDFC Bank and can vary by application.

What you’d earn

Enter your monthly spend in this card’s reward categories for an estimated annual value.

Best rate
₹
5% cashback· cap ₹1,000 cashback/1mo
₹
1% cashback· cap ₹1,000 cashback/1mo
Estimated annual value—
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