Visa
HDFC Millennia Credit Card
HDFC Bank
Overall Rating
Annual Fee
₹1,000
⭐ Key Highlights
Reward Rate
5% cashback on select partners, 1% elsewhere
Overall Rating
7.8/10
Lounge Access
4 per year
Annual Fee
₹1,000
💡 Why This Card?
Best For
Everyday spenders looking for maximum cashback on purchases
Top Benefit
High reward rate for maximum value
Quick Fact
Annual fee waived on spend ₹1 lakh in a year
📊 Detailed Rating Breakdown
Our comprehensive scoring system evaluates cards across multiple dimensions to help you make an informed decision.
Evaluates reward rates, point values, and bonus offers to determine overall reward value.
Assesses lounge access, concierge services, travel insurance, and other premium lifestyle perks.
Considers annual fees, joining fees, and waiver conditions to determine fee value proposition.
💰 Fees & Charges
Fee Waiver Condition
Spend ₹1 lakh in a year🎁 Rewards Program
🎯 Bonus Offers
- • 5% cashback on Amazon, Flipkart, Swiggy, Zomato
✈️ Travel & Lifestyle Benefits
Premium perks and exclusive benefits designed to enhance your travel and lifestyle experiences.
Airport Lounge Access
Golf Benefits
No
Concierge Service
Travel Insurance
No
🎯 Special Offers & Milestones
Exclusive cashback offers and milestone rewards to maximize your card benefits.
Cashback Offers
- • 5% on Amazon, BookMyShow, Flipkart, Myntra, Zomato
- • 1% on other spends
Milestone Benefits
- • ₹1000 voucher on ₹1L spend per quarter
📋 Eligibility Requirements
Check if you meet the eligibility criteria before applying for this card.
Minimum Income
₹25K/month
Credit Score
700+
Age Range
21-65 years
✓ Advantages
- ✓ High cashback on popular platforms
- ✓ Low annual fee
- ✓ Easy to get fee waiver
✗ Limitations
- ✗ Limited lounge access
- ✗ 5% cashback only on select merchants
Ready to Apply?
Compare this card with others to find the perfect match for your lifestyle and spending habits.
Last updated: 9 November 2025
Information subject to change. Please verify details with the card issuer.