HDFC Bank Millennia Credit Card

HDFC Bank · ₹1,000 a year · fee waived on ₹1,00,000 of annual spend

A popular all-rounder: 5% at ten big shopping and food brands, 1% elsewhere.

Base rate: 1% cashback.

What the bank says

• 5% cashback on Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, Uber, BookMyShow, Sony LIV and Cult.fit, up to ₹1,000 a month
• 1% cashback on other spends, up to ₹1,000 a month
• ₹1,000 voucher or a lounge visit on ₹1 lakh of spend each quarter
• Renewal fee waived on annual spends of ₹1 lakh

Where it pays more

• 5% on Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, Uber, BookMyShow, Sony LIV and Cult.fit, up to ₹1,000 a month

Things that catch people out

• We assume 80% of your online shopping and food delivery is at the ten named brands.
• HDFC Bank’s card terms (20 July 2026) cap cashback at ₹1,000 a month on the 5% brands and ₹1,000 on other spends.
• No cashback on fuel, rent, government payments, wallet loads, EMI purchases or education payments made through apps.

Joining fee: ₹1,000. Foreign currency markup: not published.

Read from HDFC Bank’s own page on 2026-09-16.

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