All Cards
visaselectcredit
HDFC Bank Millennia Credit Card
HDFC Bank
shoppingonline
Annual Fee
₹1,000
Joining Fee
₹1,000 + GST
Base Reward
1% cashback
Foreign Markup
3.5% + GST
Fee Waiver
Annual Charges Waived on Spends of ₹1 Lakh or More
Interest Rate
3.75% per month (45% annually)
Welcome Benefits
1,000 CashPoints
Product Highlights
- 5% cashback at Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, Zomato
- ₹1,000 gift vouchers on ₹1L quarterly spend
- Renewal fee waiver on ₹1L annual spend
Rewards
5% Cashback Up to 1,000 CashPoints at Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, Zomato. 1% Cashback Up to 1,000 CashPoints on Other Eligible Spends.
Redemption
1 Cash Point = ₹1 When Redeemed Against Credit Card Statement
Category Rewards
| Category | Reward Rate | Monthly Cap |
|---|---|---|
shopping | 5%(5% CashBack Online) | No cap |
dining | 5%(5% CashBack) | No cap |
Merchant-Specific Rewards
| Merchant | Reward | Context |
|---|---|---|
| Amazon | 5% CashBack(1,000 CashPoints/cycle) | online |
| BookMyShow | 5% CashBack(1,000 CashPoints/cycle) | online |
| Cult.fit | 5% CashBack(1,000 CashPoints/cycle) | online |
| Flipkart | 5% CashBack(1,000 CashPoints/cycle) | online |
| Myntra | 5% CashBack(1,000 CashPoints/cycle) | online |
| Sony LIV | 5% CashBack(1,000 CashPoints/cycle) | online |
| Swiggy | 5% CashBack(1,000 CashPoints/cycle) | online |
| Tata CLiQ | 5% CashBack(1,000 CashPoints/cycle) | online |
| Uber | 5% CashBack(1,000 CashPoints/cycle) | online |
| Zomato | 5% CashBack(1,000 CashPoints/cycle) | online |
Benefits & Features
Domestic: N/A International: N/A
Fees & Charges
Annual Fee₹1,000
Joining Fee₹1,000 + GST
Fee WaiverAnnual Charges Waived on Spends of ₹1 Lakh or More
Foreign Markup3.5% + GST
Interest Rate3.75% per month (45% annually)
Cash Advance2.5% of amount, min ₹500
Redemption Fee₹50 + GST Per Cash Redemption Request. ₹99 + GST for Other Redemptions
Eligibility
Min Age
21 years
Max Age
40 years
Min Income (Salaried)
₹35,000
Min Income (Self-Employed)
₹6,00,000
Available Networks
visamastercardrupay
Pros & Cons
Pros
- High 5% cashback on partner merchants like Myntra, Amazon, Zomato, Swiggy, Uber
- Renewal fee waiver on spending ₹1 Lakh in the card anniversary year
Cons
- Low 1% cashback on offline/online spends at non-partner merchants
- Accelerated CashPoints capped at 1,000 per statement cycle
Additional Info
Max 1,000 CashPoints at 5x rate + 1,000 at 1x rate per cycle
Excluded Categories
fuelrentgovteducationemiwallet
Partner Merchants
AmazonBookMyShowCult.fitFlipkartMyntraSony LIVSwiggyTata CLiQUberZomato