HDFC Millennia
HDFC Bank · Cashback · Cashpoints
This comprehensive guide covers the HDFC Millennia's reward rates, fees, and terms — updated regularly from official sources — to help you decide if this card fits your spending. The HDFC Millennia from HDFC Bank offers cashback rewards redeemable as cash points at 5% (up to ₹1,000 per cycle). Top earning categories include 5% on 10 online merchants and more. Annual fee is ₹1,000 (waived above inr 100,000 annual spend).
Best for: Amazon, Flipkart, Myntra, Swiggy, Zomato · General Online, Online Retail, Electronics Accessories, Travel
Top Merchants
Reward Examples
Spend ₹1,000 on Amazon → earn ₹50 (5%) · 5% on 10 online merchants
Spend ₹1,000 on General online → earn ₹10 (1%) · 1% on other eligible spends
Official product page → Official rules →
Waiver: Waived above INR 100,000 annual spend
Reward Rules
- 5% 5% on 10 online merchants (cap: ₹1,000)
- 1% 1% on other eligible spends (cap: ₹1,000)
Important Notes
- SmartBuy/PayZapp offers are separate from direct merchant cashback and may have separate terms.
🎁 Apply with referral — Earn up to ₹2,500
How to Apply
- Apply online: Official application page →
- Credit score: Most rewards cards require good to excellent credit (typically 670+ FICO).
- Issuer rules: Some issuers restrict approvals (e.g. Chase 5/24). Verify current eligibility before applying.
HDFC Millennia vs Similar Cards
- Airtel Axis — 25% top rate · ₹500
- Amazon Pay ICICI — 5% top rate · ₹0
- AU Bank LIT Credit Card — 5% top rate · ₹499
Maximize Your Rewards
To earn the highest rewards, use the HDFC Millennia for its bonus categories: General Online, Online Retail, Electronics Accessories, Travel.