HDFC Millennia Credit Card
Best cashback card for online shopping with 5% cashback on Amazon, Flipkart, and more
Travel Benefits
Lounge access & travel insurance
Cashback Rewards
Up to 5% cashback on spends
Zero Liability
100% fraud protection
Joining Charges
₹ 1,000
Annual Fee: ₹ 1,000
Major Benefits
Complimentary Airport Lounge Access
Access to 1000+ airport lounges worldwide with unlimited visits
Accelerated Reward Points
Earn 4X reward points on dining, travel, and online shopping
Dining Privileges
1+1 offers at premium restaurants and exclusive dining experiences
Comprehensive Insurance Coverage
Travel insurance, purchase protection, and extended warranty benefits
About This Card
<h2>HDFC Millennia Credit Card Overview</h2><p>The HDFC Millennia Credit Card is designed for millennials who love online shopping. Get 5% cashback on purchases made via PayZapp, SmartBuy, and partner merchants including Amazon, Flipkart, Swiggy, Zomato, and more.</p><h3>Key Benefits</h3><ul><li>5% cashback on Amazon, Flipkart via SmartBuy</li><li>2.5% cashback on all other online spends</li><li>1% cashback on offline spends</li><li>1000 reward points on spending ₹1 lakh in a year</li><li>Complimentary airport lounge access</li></ul><h3>Fees & Charges</h3><ul><li>Joining Fee: ₹1,000 (Waived on spending ₹30,000 in first 90 days)</li><li>Annual Fee: ₹1,000 (Waived on annual spends of ₹1 lakh)</li></ul>
Key Features & Benefits
Welcome bonus of 5,000 reward points
4 complimentary airport lounge access per year
Fuel surcharge waiver at all petrol pumps
1% cashback on all online transactions
Zero liability on lost card transactions
EMI conversion facility available
Fees & Charges
| Fee Type | Amount |
|---|---|
| Joining Fee | ₹1000 |
| Annual Fee | ₹1000 |
| Late Payment Fee | Up to ₹1,300 |
| Over Limit Fee | ₹500 |
| Foreign Currency Markup | 3.5% |
Eligibility Criteria
Age
21 - 60 years
Income
₹3 Lakhs per annum
Employment
Salaried or Self-Employed
Credit Score
750 or above