HDFC Bank
HDFC Millennia Credit Card
Data Verified
Last checked: 25 Feb 2026Best for millennials who frequently use Amazon, Flipkart, Swiggy, and Zomato.
Targeted at millennials and online shoppers, this card offers 5% cashback on Amazon, Flipkart, Myntra, Swiggy, Zomato, BookMyShow and other partner platforms, plus 1% on all other spends.
ShoppingDiningOnlineCashback
Annual Fee
₹1000
Fee waived on ₹1 lakh annual spend
Cashback
5%
Headline Rate
Forex Markup
3.5%
Standard Rate
Expert Verdict
"The HDFC Millennia is HDFC's answer to the millennial lifestyle. 5% on top e-commerce and food delivery apps covers the biggest spending categories for young Indians. The quarterly milestone SmartBuy voucher adds bonus value. Complimentary lounge access is a nice surprise at this fee level. Verdict: Excellent all-rounder for under-30s with online-heavy spending."
Key Privileges
Welcome Benefit1,000 bonus reward points on first spend
Fee WaiverFee waived on ₹1 lakh annual spend
Interest Rate (APR)42%
Min. Income₹3.5 lakh per annum
Start Application
Applying takes less than 5 minutes. You will need your PAN card and Aadhaar details handy.
Simplified Digital KYC
Instant Approval Check
Zero Physical Documentations
By clicking apply, you will be redirected to the official bank portal. FinanceMacha may earn a commission on successful approvals.
Eligibility Summary
- Min. Credit Score720
- Min. Income₹3.5 lakh per annum
- EmploymentSalaried/Self