HDFC Bank Millennia Credit Card
HDFC Bank
One of the most well-rounded mid-tier cashback cards — broad merchant coverage, real lounge optionality.
₹1,000
Joining fee
₹1,000, waived at ₹1L spend
Annual fee
Automatic waiver if Rs 1 lakh was spent in the previous year.
3.5%
Forex markup
4.3 / 5
Rating
Eligibility
Estimated minimum income: ₹35,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 700+
Estimated — not officially confirmed by the bank.
Age: 21–40
Salaried net monthly income exceeding Rs 35,000; self-employed annual ITR above Rs 6 lakh. CIBIL not explicitly stated; aggregator recommends 'good credit score'.
Sources disagree: Aggregator states an unusually specific upper age limit of 40 for this card — worth double-checking directly with the bank before relying on it.
Lounge access
Alternative: cardholder may choose a Rs 1,000 brand voucher instead of the lounge visit
Spend Condition: Rs 1 lakh spend in that quarter
Visits Per Quarter: 1
Key features
- 5% CashBack on Amazon/Flipkart/Myntra/Swiggy/Zomato/Uber/BookMyShow and more
- Quarterly ₹1,000 voucher OR lounge visit at ₹1L spend
Reward details
1% cashback on all other purchases
- 5% cashback on Amazon, Flipkart, Myntra, Swiggy, Uber, Zomato, BookMyShow, cult.fit, SonyLIV, Tata CLiQ (10 partner brands) — 1,000 CashPoints/month (~Rs 1,000 value), tracked separately from the 1% category
Category caps
- 1% base category: 1,000 CashPoints/month (~Rs 1,000 value)
Redemption
Statement credit is the best value; points expire 2 years from accumulation.
Ratio: Statement credit at 1 CashPoint = Rs 1; flights/hotels and product catalogue at up to Rs 0.30/point; air miles at 0.30 miles/point
Excluded from rewards: fuel spends, rent payments, government-related transactions, cash advances, card fees
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Multiple redemption options with a strong 1:1 statement-credit value; the 5% cashback on major shopping/lifestyle platforms seen as genuinely useful; the Rs 1 lakh fee-waiver spend threshold considered achievable. — Paisabazaar
Complaints
- Monthly earning caps limit value for high spenders; exclusion of utilities and rent from rewards noted as a gap; lounge access tied to a quarterly spend milestone (rather than unconditional) seen as a limitation. — Paisabazaar
Sources
- Aggregator — fees, eligibility, forex, lounge, rewards, sentiment
- Official (not independently verified) — lounge policy PDF referenced but not independently fetched, dated 6 Feb 2026