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HDFC Bank Millennia Credit Card

(

4.5

)

Beginner

Best For: Shopping

From

6E – Rewards Indigo HDFC Bank Credit Card

Approval Rate:

Elementor Single Post #221

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AU Bank Zenith+ Credit Card

The HDFC Bank Millennia Credit Card is designed for young professionals and millennials who want to maximize rewards on everyday purchases. Its USP lies in offering significant cashback on online shopping, dining, and entertainment, making it ideal for tech-savvy individuals and frequent shoppers. This card provides exclusive discounts on e-commerce platforms, rewards on travel bookings, and special offers on lifestyle brands. Best suited for those seeking value for money, it enhances the shopping experience with reward points and cashback, making it a great choice for individuals who enjoy affordable rewards and convenience.

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Fees & Charges

Rewards

Features

Tools

Eligibility

Pro's & Cons

Card Details

Type of Card

Cashback

Reward %

Upto 5%

Joining Fees

₹

1000

Renewal Fees

1000

APR

Welcome Benefit

Pay your Membership fee and get Reward Points equivalent to Fee Amount

Renewal Benefits

Spend ₹1,00,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off

USP's:

Smart EMI, Fuel Surcharge Waiver, Lounge Access

Fees & Charges

Joining & Renewal Fees

Interest & Charges

Additional Charges

Rewards

Redemption modes

Cashback
Rewards

Additional Features

travel-3d

Lounge Benefits

    cashback-3d

    Insurance Benefits

    • None
    3902003

    Other Perks

    • Swiggy Upto 20% Discount

    Eligibility Criteria

    Age

    21Y

    Min

    40Y

    Max

    Credit Score

    700+

    Ex Min

    Income

    (

    Self-Employed

    )

    ₹

    ITR > ₹6.0 Lakhs p.a.

    Income

    (

    Salaried

    )

    ₹

    ₹35,000 p.m.

    Other: Card-to-card eligibility requirements.

    Pros

    5% cashback on popular brands like Amazon, Flipkart, Myntra, Swiggy, and more.
    1% cashback on all other spends, including EMI and wallet transactions.
    Up to 20% discount on dining at partner restaurants via Swiggy Dineout.
    Annual fee waiver upon spending ₹1 lakh in a year.

    Cons

    Monthly cashback cap of ₹1,000 for partner brands and ₹1,000 for other spends.
    No direct cashback; rewards are credited as CashPoints.
    No reward points on fuel, rent, and government related transactions.
    Limited lounge access, contingent on quarterly spending milestones.

    Terms and Conditions *