HDFC Bank
HDFC Millennia Credit Card
4.2 / 5visa · mastercard
- Joining fee
- ₹1,000
- Annual fee
- ₹1,000
- Base reward
- 1%
- Min income
- ₹35,000/mo
- Forex markup
- 3.5%
- Interest p.a.
- 45%
Where it earns
| Category | Rate | Monthly cap |
|---|---|---|
| Online shopping | 5% | ₹1,000 |
| Everything else | 1% | ₹1,000 |
Benefits
- ▸5% cashback on 10 popular online brands (capped ₹1,000/cycle)
- ▸1% cashback on all other spends (capped ₹1,000/cycle)
- ▸Quarterly ₹1,000 milestone voucher or lounge access on ₹1 lakh quarterly spend
- ▸1% fuel surcharge waiver (₹400–₹5,000 txns, max ₹250/cycle)
- ▸Contactless payments
The good
- + Strong 5% cashback on popular online brands
- + Low annual fee with easy ₹1 lakh spend waiver
- + Quarterly milestone voucher / lounge access
- + Good all-rounder for online shoppers
The catch
- − Cashback capped at 1,000 CashPoints per statement cycle per category
- − Only 1% on offline/other spends
- − ₹50 redemption fee for statement credit
- − High 3.5% foreign currency markup