HDFC Millennia Credit Card
HDFC Bank • Visa • Entry
★★★★★4.2/5
The HDFC Millennia is an excellent entry-level card for digital-first spenders. With up to 10% cashback via SmartBuy and an easy fee waiver, it's ideal for millennials who shop online.
Apply Now →₹1,000
Annual Fee
₹1,000
Joining Fee
1/Qtr
Lounge Access
Up to 10%
Best Reward
💡 Waived on ₹1,00,000 annual spend
Rewards & Cashback
| Category | Rate |
|---|---|
| Online Shopping & Dining | Up to 10% |
| Others | 1% |
Offers & Benefits
✨Milestone Lounge or Voucher
Get ₹1,000 gift voucher OR 1 domestic lounge access on ₹1L+ spend per quarter
🍽️Swiggy Dineout
10% additional discount using code HDFCCARDS
🎁Zero Lost Card Liability
Report immediately for zero liability on fraudulent transactions
🎁Smart EMI
Convert big purchases to EMI after purchase
Additional Benefits
✨ Lounge Access
1 domestic + 0 international per quarter
⛽ Fuel Surcharge
1% waiver on ₹400-₹5,000 transactions (max ₹250/cycle)
Pros & Cons
✓ Pros
- +Up to 10% cashback on online shopping via SmartBuy
- +Low annual fee with easy ₹1L waiver
- +Quarterly milestone rewards (lounge or voucher)
- +1 Reward Point = ₹1 for statement credit
✗ Cons
- −Milestone benefits require ₹1L quarterly spend
- −No international lounge access
- −Lower base reward rate (1%) on general spends
Eligibility Criteria
- • Minimum Income: ₹25,000/month
- • Age: 21 - 60 years
Best For
Young professionals who shop online via SmartBuy and dine out frequently