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Millennia Credit Card by HDFC Bank

by Kshitiz V Sharma on

The Bottom Line

Millennia Credit Card by HDFC Bank
Best Credit Card from HDFC Bank if you charge ₹10 – 50K / mth

5% cashback on Amazon, Flipkart, Myntra, Swiggy, Zomato & Uber, 1% on everything else, with a cap of ₹2,000 per month.

Monthly Spend ₹5K ₹10K ₹20K ₹50K ₹100K
Net Reward Yield 0.6% 2.3% 2.3% 2.7% 1.9%
Est. Monthly Reward (₹) 30 230 465 1,345 1,940
All-India Rewards Rank* 58 4 6 6 26
Within Bank Rank* 12 2 2 2 5
* Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here.

We think the HDFC Bank Millennia Credit Card is the best choice for HDFC Bank customers who charge between ₹10,000 – 50,000 a month on their card. Cardholders can earn a net rewards yield of 2.3-2.7% with this card in that range.

If you spend less than ₹10,000 a month on your card, consider the Bharat Credit Card with a yield of 1.9-2.4%.

High spenders looking for an HDFC Bank credit card should choose the 6E Rewards XL – Indigo HDFC Bank Credit Card instead, which has a yield of 2.2% for monthly spending >₹50,000 a month.

The Millennia is only available for customers under 40 years of age. Others can consider the Paytm HDFC Bank SELECT Credit Card, which has yield of 1.5-1.8%.

Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.

The Rewards

Card Type Cashback*
Cashback Features 5% cashback on:
Groceries via Amazon & Flipkart
Online Food Delivery via Zomato & Swiggy
Transport via Uber
Online Shopping via Amazon, Flipkart & Myntra
Entertainment via BookMyShow

1% for everything else

Milestone Rewards ₹1,000 worth gift vouchers on spends of ₹1 lacs and above in each calendar quarter.
Other Rewards 2 Complimentary Airport Lounge Visits / Qtr
Cashback Caps ₹2,000 p.m.
Rewards Redemption Fee ₹99 per redemption
Preferred Redemption Method Cashback against statement balance @ ₹1 / Cash Point
* Rewards are given in form of CashPoints which must be redeemed against statement balance.

Fees & Charges

Joining Fee Nil
Annual Fee ₹1,000 + Taxes
Min. Annual Credit Card Spend
for Fee Waiver
₹1 lacs
Income Criteria Salaried >₹35,000 p.m.
Self-employed N/A
Supplementary Card Fee 2 Free
Interest Rate 43.20% p.a.
Foreign Currency Markup 3.50%
Cash Advance Charge 2.5% with a minimum of ₹500
Card Association Visa, MasterCard

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