HDFC Millennia
Visa · Mastercard
HDFC Millennia
HDFC Bank · Visa · Mastercard
Quick answer
HDFC Millennia by HDFC Bank has an annual fee of ₹1,000 and APR of 45%. Best for shopping and cashback. Pay the full bill every month — carried balances cost far more than any reward.
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Joining fee
₹1,000
Annual fee
₹1,000
Forex markup
4%
APR
45%/yr
Fee waiver: Annual fee waived on ₹1L spend a year
What you earn
- 5%5% cashback on Amazon, Flipkart, Swiggy, Zomato & more
- 1%1% on all other spends
Welcome: ₹1,000 worth of gift vouchers on joining
Lounge access
8 domestic visits/year
Who it's for
Minimum income ₹30,000/month · credit score 720+. For salaried, self-employed.
What's great
- 5% on the apps you already use
- 8 domestic lounge visits
- Strong for online shoppers
Watch out for
- Monthly cashback caps
- Higher income requirement
Compare head-to-head
One honest reminder: a card is only worth it if you clear the full bill every month. At 45% a year, carried balances cost far more than any reward here is worth.