What is the annual fee for HDFC Millennia?

Annual fee for HDFC Millennia is ₹1000 + GST, waived on ₹100K+ annual spend.

What is the reward rate on HDFC Millennia?

HDFC Millennia offers 1% cashback on general spends.

Minimum income for HDFC Millennia?

Minimum income required is ₹6.0 lakh per year.

Overview

Rewards

Fees

Score

Verdict

HDFC Millennia Review 2026 — Rewards, Fees & Benefits | CardGenie | CardGenie

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HDFC Bank

HDFC Millennia

Best cashback card under ₹1,000 — 5% on Amazon, Flipkart, Swiggy

Annual Fee

₹1,000

Reward

1% cashback

GenieScore

40/100

Expert

4.3/5★

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About this Card

HDFC Millennia is the go-to cashback card for digital-first Indians. It offers 5% cashback on the most-used platforms — Amazon, Flipkart, Myntra, Swiggy, and Zomato — making it exceptional value at ₹1,000/year (waived at ₹1L spend). If you shop online and order food delivery regularly, this card practically pays for itself.

Key Features

🏆

5% cashback on Amazon, Flipkart, Myntra & Swiggy

✈️

5% on all online spends & dining

💰

1% cashback on all offline purchases

🎁

Annual fee waived on Rs.1L+ annual spend

⚡

Complimentary BookMyShow vouchers quarterly

Pros

✓5% cashback on Amazon, Flipkart, Myntra, Swiggy, Zomato — no cap per merchant

✓5% on all other online shopping and dining

✓Annual fee waived easily at ₹1L spend

✓Complimentary BookMyShow vouchers each quarter

✓1% cashback on offline spends — even offline earns

Cons

✗0% on UPI payments — penalty for digital pay users

✗Cashback comes as CashPoints, not direct cash — needs redemption

✗₹1,000 fee applies if ₹1L spend not hit in 12 months

✗No lounge access for domestic airport trips

Quick Specs

💳Card TypeCashback

🌐NetworkVisa

💰Annual Fee₹1,000 + GST

🎯Base Reward1% cashback

✈️LoungeNot included

📱UPI RewardsNot available

🌍Forex3.5% + GST

⛽Fuel WaiverNot available

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Community Sentiment

VERY

Very Positive

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