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startercashbackHDFC Bank · Visa
HDFC Bank Millennia Credit Card
1% CashPoints on standard retail; 5% on Amazon, Flipkart, Swiggy, Zomato, Uber and other preferred merchants. CashPoints are direct cash / SmartBuy portal asset — no airline or hotel transfer partners.
what it costs
| joining fee | ₹1,000 |
|---|---|
| annual fee | ₹1,000 |
| how to dodge the fee | Annual fee waived on ₹1,00,000 spend in the preceding anniversary year |
| forex markup | 3.5% + GST |
how you earn
every ₹100 you swipe earns you cashback — HDFC CashPoints.
| default | 1% back |
|---|---|
| online | 5% back |
freebies
| welcome gift | 1,000 CashPoints on payment of joining fee |
|---|
extras
| domestic lounges | 4/year (1/quarter, requires ₹35,000 spend in preceding calendar quarter) |
|---|---|
| international lounges | — |
| who can apply | Salaried with gross monthly income > ₹35,000, or self-employed with ITR > ₹6L p.a. |
want it?
all numbers checked against the bank's page on 2026-05-28. apply links may carry an affiliate tag — see our disclosure.