HDFC
Best Millennial Card India
HDFC Millennia Credit Card
HDFC Bank · 🇮🇳 India · MASTERCARD
4.3Very Good
Annual Fee
₹1,000
Waived on ₹1L annual spend
Rewards Rate
5% on Amazon, Flipkart, Myntra; 1% elsewhere
Cashback
Intro Offer
1,000 CashPoints on first transaction
Credit Score
700+
Good
Purchase Intro APR
N/A
Balance Transfer Intro APR
N/A
Regular APR
3.6% per month (43.2% p.a.)
Tekkivo Expert Verdict
The HDFC Millennia is designed for young Indian professionals who shop online. The 5% cashback on major Indian e-commerce platforms is excellent value for the low annual fee.
Best for: Young Indian professionals who shop on Amazon, Flipkart, and Myntra
Key Benefits
- 5% cashback on Amazon, Flipkart, Myntra, Swiggy, Zomato
- 1% on all other spends
- Complimentary lounge access (2/quarter)
- Fuel surcharge waiver
Pros
- ✓5% on top Indian e-commerce platforms
- ✓Low annual fee waiver threshold
- ✓Lounge access included
Cons
- ✗High APR
- ✗5% capped at ₹750/month
- ✗Limited offline benefits
Card Details
Foreign Transaction Fee: 2%
Credit Limit: ₹50,000–₹5,00,000+
Card Network: mastercard
Rewards Type: Cashback
HDFC Millennia Credit Card
4.3
Annual Fee₹1,000
Rewards5% on Amazon, Flipkart, Myntra; 1% elsewhere
Intro Offer1,000 CashPoints on first transaction
on HDFC Bank's website