HDFC Millennia
High Approval approval
The Ultimate 5% Cashback Card for Millennials
CashbackshoppingLifestyleVisa/Mastercard/Diners Club
Annual Fee
₹1,000
Rewards
5% CashPoints on partner brands; 1% elsewhere
Interest Rate
3.6% - 43.2% p.a.
Min Income
₹35K/month
Overview
A versatile cashback card that provides high value on the most popular online platforms used by young professionals.
Key Benefits
- 5% CashPoints on Amazon, Flipkart, Swiggy, Zomato, Uber, BookMyShow, etc.
- Milestone Benefit: Choose between ₹1,000 voucher OR 1 Lounge Visit on ₹1L quarterly spend
- 1% CashPoints on all other spends (including Wallet & EMI)
- Up to 20% discount via Swiggy Dineout
Best For
- Online shoppers
- Food delivery
- App-based services
Requirements
- Age 21-40
- Net Monthly Income > ₹35k
Additional Details
Lounge Access1 visit/quarter (Milestone based)
Fuel Surcharge WaiverNo
Fee Waiver Spend₹100,000/year
Welcome Bonus1,000 CashPoints on joining fee payment
Things to know
- Monthly cashback capped at 1,000 points per category
- ₹50 fee for statement credit redemption
- Lounge access is now spend-based (₹1L/quarter milestone)
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