India's Flagship Everyday Shopping Card — 5% CashBack on 10 Key Partner Merchants
Young salaried professionals, e-commerce shoppers, and urban families looking for direct 5% cash statement credit across major digital platforms.
₹1,000
One-time upfront₹1,000
Waived on ₹1 lakh annual spend5% on 10 online merchants, 1% on other spends
On eligible spends4 Domestic visits/year · ₹1L quarterly spend required
Complimentary visitsLast verified 16 Sept 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The HDFC Bank Millennia Credit Card is widely celebrated as India's premier mass-market lifestyle cashback credit card, engineered to turn modern digital spending habits into high-yield statement savings. Positioned at an accessible **joining and annual renewal fee of ₹1,000 + GST**, the card completely offsets its initial cost by awarding **1,000 CashPoints** upon fee payment, with the annual fee waived upon achieving retail spending of ₹1,00,000 in the anniversary year. The core appeal of Millennia is its generous partner cashback structure: cardholders earn **5% CashBack (as CashPoints) across 10 of India's most popular digital merchants**—including Amazon, Flipkart, Swiggy, Zomato, Myntra, Uber, BookMyShow, Cult.fit, Sony LIV, and Tata CLiQ (capped at 1,000 CashPoints per calendar month). On all other retail purchases and wallet loads, the card earns a steady **1% CashBack** (capped at 1,000 CashPoints per month). Unlike conventional rewards with complex catalogues, 1 Millennia CashPoint equals **₹1.00 in direct cash credit against card bills**. In addition to cashback, Millennia offers **1 complimentary domestic airport lounge visit per calendar quarter (4 visits per year)**, unlocked upon spending ₹1,00,000 in the previous calendar quarter. Further sweetened by a 1% fuel surcharge waiver and quarterly milestone vouchers worth ₹1,000 on spending ₹1,00,000, HDFC Millennia is the quintessential all-rounder credit card for online shoppers.
Earn 5% CashPoints on Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber, BookMyShow, Cult.fit, SonyLIV, and Tata CLiQ, capped at 1,000 CashPoints per month.
Redeem your CashPoints against your credit card statement balance at a clean rate of 1 CashPoint = ₹1.00 (min 500 CashPoints).
Earn a ₹1,000 gift voucher upon spending ₹1,00,000 in each calendar quarter, yielding up to ₹4,000 in vouchers every year.
Get 1 complimentary domestic lounge visit per calendar quarter upon spending ₹1,00,000 or more in the previous calendar quarter.
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Preferred 10 Merchants (Amazon, Flipkart, Myntra, Swiggy, Zomato, Cult.fit, BookMyShow, SonyLIV, Tata CLiQ, Uber) | 5% CashPoints on Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber, BookMyShow, Cult.fit, SonyLIV, Tata CLiQ (max 1,000 pts/mo) | 1,000 CashPoints/mo | Standard terms apply |
| All Other Online & Offline Spends | 1% CashPoints on all other online and offline retail spends (max 1,000 pts/mo) | 1,000 CashPoints/mo | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Preferred 10 Merchants (Amazon, Flipkart, Myntra, Swiggy, Zomato, Cult.fit, BookMyShow, SonyLIV, Tata CLiQ, Uber) | ₹12,000 | 5% CashPoints on Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber, BookMyShow, Cult.fit, SonyLIV, Tata CLiQ (max 1,000 pts/mo) | — | ₹1,000/monthly | Calculating... | Under cap |
| All Other Online & Offline Spends | ₹18,000 | 1% CashPoints on all other online and offline retail spends (max 1,000 pts/mo) | — | ₹1,000/monthly | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹1,000
Standard renewal+₹0 / yr
Rewards - FeeBonus vouchers and annual fee waiver milestones unlocked as your total spend increases
Choose between a ?1,000 brand voucher or 1 domestic airport lounge voucher on spending ?1,00,000 or more in each calendar quarter (up to 4 vouchers/year).
*Milestone spend calculation is tracked across eligible retail purchases within each specified billing or calendar period. Excludes cash advances, wallet loads, and EMI conversions.
Domestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Joining Fee: ₹1,000 + GST (Welcome benefit of 1,000 CashPoints upon fee payment). • Annual Renewal Fee: ₹1,000 + GST. • Spend-Based Fee Waiver: Annual fee waived on achieving retail spends of ₹1,00,000 in the preceding anniversary year. • 5% Partner CashBack: 5% CashBack as CashPoints on Amazon, Flipkart, Swiggy, Zomato, Myntra, Uber, BookMyShow, Cult.fit, Sony LIV, and Tata CLiQ (capped at 1,000 CashPoints per calendar month). • 1% Base CashBack: 1% CashBack on all other retail spending and wallet reloads (capped at 1,000 CashPoints per calendar month). • CashPoint Valuation: 1 CashPoint = ₹1.00 when redeemed against card statement balance (minimum redemption threshold: 500 CashPoints). ? Domestic Airport Lounge Access: Up to 1 domestic lounge voucher per quarter on ?1,00,000 quarterly spend; choose lounge access or ?1,000 milestone voucher. ? Quarterly Milestone Gift: Choose between a ?1,000 brand voucher or 1 domestic airport lounge voucher on achieving retail spends of ?1,00,000 or more in a calendar quarter. • Fuel Surcharge Waiver: 1% surcharge waiver on fuel transactions between ₹400 and ₹5,000 (maximum waiver ₹250 per statement cycle). • Foreign Currency Markup: 3.50% + GST on foreign exchange transactions.
Evaluate whether this card's perks and waiver threshold justify its ₹1,000 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding HDFC Bank Millennia Credit Card application, fees, reward redemption, and eligibility
Alternative credit cards with comparable reward rates, annual fee waivers, and perks
Direct online application on the official HDFC Bank portal with paperless verification.
Deep-dive comparisons, reward calculations, and editorial reviews from our research desk
Jupiter has added a major spending condition to the Edge+ CSB Bank RuPay Credit Card's headline shopping rewards. From 10 October 2026, cardholders must cross ₹15,000 in qualified statement-cycle spending to receive the full 50% Jewels on eligible shopping transactions. Fall short, and those purchases earn only 5% Jewels.
HDFC Regalia Gold spent years as one of HDFC Bank's easiest premium cards to justify. After reward reductions, spend-gated lounges, and Boarding Edge, we calculate real returns from ₹3L to ₹7.5L spend.
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HDFC Regalia Gold spent years as one of HDFC Bank's easiest premium cards to justify. After reward reductions, spend-gated lounges, and Boarding Edge, we calculate real returns from ₹3L to ₹7.5L spend.