HDFC Bank
Expert Rating
₹1,000
1,000 CashPoints on membership fee payment
8 visits/year
2.5%
HDFC Millennia is a cashback credit card tailored for digital spends — get 5% cashback on top online merchants and useful quarterly voucher rewards.
Get ₹1,000 gift voucher each quarter on high spend
Extra value
Better than static cashback-only cards
Amazon, Flipkart, Swiggy, Zomato, etc.
5% on selected merchants
other retail, offline
1% on all other spends
₹1,00,000 (in quarter)
₹1,00,000 (in 12 months)
Waived if spend ≥ ₹1,00,000 in preceding 12 months
| Fee Type | Amount | Frequency | Conditions |
|---|---|---|---|
| Annual Fee | ₹1,000 | yearly | Waived if spend ≥ ₹1,00,000/year |
| Cash Advance Fee | 2.5% | transaction | Standard HDFC terms |
Visits per year: 8
Guest access: No
On meeting quarterly spend milestone
Tap & pay enabled
Convert large spends to EMI after purchase
Go to HDFC Bank credit card application online
Fill personal & income details
Upload KYC documents
Wait for verification & approval
Card dispatched in 5-7 days
5-7 business days
Online Application: Available
Instant Approval: Not Available
Accepted documents:
Accepted documents:
Accepted documents:
Wide across India
Yes (Visa / Mastercard network)
Yes
Mobile Wallet Support:
Occupation Types:
Valid PAN and Aadhaar, banking relationship may help