HDFC Bank Millennia
HDFC Bank
HDFC Bank Millennia is a cashback-focused credit card specifically designed for India's growing base of online shoppers who make frequent purchases from Amazon, Flipkart, Myntra, and Tata Cliq. The card's standout feature is its 5% cashback rate on these four major e-commerce platforms, capped at ₹1,500 per month — making it one of the most rewarding cards for online shopping in India. The 5% cashback applies on combined spends across Amazon.in, Flipkart.com, Myntra.com, and Tata Cliq, with no minimum transaction value required. For a regular online shopper who spends ₹15,000 per month across these platforms, this translates to ₹750 per month or ₹9,000 per year in cashback — extraordinary value from a card with a ₹1,000 annual fee. Dining and movie ticket bookings earn 1% cashback, providing additional value for entertainment spends. All other purchases earn a baseline 0.5% cashback. Cashback is credited as Reward Points to the card account and can be redeemed for statement credit or gift vouchers. Four complimentary domestic airport lounge visits per year through the Visa Lounge Access program provide meaningful value for occasional travellers, while the 1% fuel surcharge waiver at HPCL, BPCL, and IOCL fuel stations adds to everyday savings. The card requires a minimum annual income of ₹3 lakhs and is available to individuals aged 21-55 years. The annual fee of ₹1,000 is reversed on spending ₹1 lakh or more in the previous anniversary year, which is achievable for most working individuals who shop online regularly. Source: HDFC Bank official website, updated May 2026.
Key Facts
| Feature | Details |
|---|---|
| Joining Fee | ₹500 |
| Annual Fee | ₹1,000 |
| Reward Rate | [object Object]% |
| Cashback Rate | 0% |
| Lounge Access | Yes |
Features & Benefits
Pros & Cons
- 5% cashback on major e-commerce platforms is excellent for online shoppers
- Complimentary domestic lounge access adds travel value
- Fee reversal on ₹1 lakh annual spend is achievable
- 5% cashback capped at ₹1,500 per month — limits high spenders
- No international lounge access
- High forex markup — not suitable for international transactions
How to Apply
Review the eligibility criteria below and ensure you meet the income and credit score requirements.
Click "Apply Now" and fill in your personal, income, and KYC details online.
The bank reviews your application and approves within 2–5 working days. Card arrives in 3–7 days.