HHDFCHDFC MillenniaVisa / Mastercard
HDFC Millennia Credit Card
HDFC Bank · Cashback
5% cashback on Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, Uber, BookMyShow, Sony LIV and Cult.fit; 1% cashback on other spends.
- Joining fee
- ₹1,000
- Annual fee
- ₹1,000
- Waiver spend
- ₹1,00,000
- Forex markup
- 3.5%
Fee waiver
Spend ₹1,00,000 in a card year and the next annual fee is waived.
That is about ₹8,333 a month.
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Fee waiver: what is left to spend
Card EMI or personal loan?
Cost of paying only the minimum
How the app counts rewards
- 5% on 10 online merchants (up to ₹1,000 a month; Sony LIV is also eligible but is not in the app merchant list)
- 1% on other spends (up to ₹1,000 a month)
No rewards on fuel, rent, wallet loads.
Who can apply
- Age 21 to 40
- Salaried: income of ₹4,20,000 a year or more
- Self-employed: income of ₹6,00,000 a year or more
Salaried: net ₹35,000 a month, age 21 to 40. Self-employed: ITR over ₹6 lakh, age 21 to 40
Published minimums. Approval is the bank's decision.
Checked against the bank's terms. Banks change terms often, so check the latest terms before applying.
Taken from the bank's page. Rules data version 2026.10.04.
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