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HDFC Bank · Mastercard · हिन्दी

HDFC Millennia Credit Card: full review

The HDFC Millennia offers steady, capped cashback for everyday online shopping, but the widely-advertised 5% rate is easy to misread. It only applies when routing purchases through HDFC's own PayZapp/SmartBuy portal, not simply shopping on Amazon or Flipkart directly. For most cardholders, the realistic day-to-day rate is closer to 2.5% online and 1% elsewhere.

Apply now ↗Annual fee: ₹1,000 + taxes
Last updated: August 2026 · Current terms verified
HDFC BANK
)))
MILLENNIA
ASHOK KUMAR
12/28
₹1,000 + taxes (waived on ₹1L spend)Annual fee
2.5% cashback on online shopping, 1% on other spends: the advertised 5% rate is only available via HDFC's own PayZapp/SmartBuy portal specifically, not general shoppingReward structure
8 visits/year (domestic)Lounge access
2.5% cashback on online shopping (any site/app)1% cashback on dining, travel, grocery, utility and other spends5% cashback available only when routing purchases through HDFC's own PayZapp/SmartBuy portal8 domestic lounge visits/year1% fuel surcharge waiver
Apply now ↗ Min. income: ₹3.5L+ per year · Credit score: 700+
Pros and cons
Pros
✓ Straightforward, capped cashback with a low fee
✓ Lounge access at entry price point
✓ Fee waived at moderate annual spend
Cons
✗ Real-world 5% rate needs routing purchases through HDFC's own portal, not just shopping on Amazon/Flipkart directly
✗ Combined cashback capped around ₹2,250/month across all tiers
✗ Lower rate on dining, travel, grocery and utility than the headline shopping rate
Quick facts
Issuer HDFC Bank
Network Mastercard
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹1,000 + taxes (waived on ₹1L spend)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹1,000
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 8 visits/year (domestic)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹3.5L+ per year
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+
SourceHDFC Bank's published card terms and official card page · Last updated August 2026
Recent updates

Corrected reward structure, the advertised 5% rate only applies via HDFC's own PayZapp/SmartBuy portal, not general shopping. Rates and cap logic updated to a conservative 2.5% online / 1% elsewhere.

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Frequently asked questions
The annual fee for HDFC Millennia Credit Card is ₹1,000 + taxes (waived on ₹1L spend). The joining fee is ₹1,000.
2.5% cashback on online shopping, 1% on other spends: the advertised 5% rate is only available via HDFC's own PayZapp/SmartBuy portal specifically, not general shopping
HDFC Millennia Credit Card is best for Everyday online shopping with a modest, capped cashback. The HDFC Millennia offers steady, capped cashback for everyday online shopping, but the widely-advertised 5% rate is easy to misread. It only applies when routing purchases through HDFC's own PayZapp/SmartBuy portal, not simply shopping on Amazon or Flipkart directly. For most cardholders, the realistic day-to-day rate is closer to 2.5% online and 1% elsewhere.
The minimum income requirement for HDFC Millennia Credit Card is ₹3.5L+ per year. A minimum credit score of 700+ is also recommended.
Yes, HDFC Millennia Credit Card offers 8 visits/year (domestic).
HDFC Millennia Credit Card charges a 3.5% foreign currency markup on international transactions. This is in line with the standard 3.5% charged by most Indian credit cards.
Related guides
Best Dining Credit Cards →Best Shopping Credit Cards →Best Credit Cards for Swiggy and Zomato →Best Credit Cards for Amazon and Flipkart →Best Credit Cards for Salaried Employees →
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HDFC Millennia₹1,000 + taxes
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