HDFC Millennia is designed specifically for India's digital-first generation. It offers a flat 5% cashback on the 10 most popular apps including Amazon, Flipkart, Swiggy, Zomato, and Myntra. The card accumulates "CashPoints" which can be redeemed against your statement balance at 1:1 value.
Reddit favourite for the 25-35 age group. "Best card for Swiggy + Amazon combo" is a common recommendation. Users often pair it with Axis ACE for UPI coverage. Complaint: cashback caps and occasional partner category changes.