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HomeCredit cardsHDFC BankHDFC Millennia Credit Card
Editor's pickMid-rangeVisa

HDFC Millennia Credit Card

4.4editor Editor score 88/100Best for everyday online spends

5% CashPoints on Amazon, Flipkart, Swiggy, Zomato, Uber, Myntra and more, with quarterly lounge visits.

  • 5% CashPoints on Amazon, Flipkart, Swiggy, Zomato, Uber, Myntra, BookMyShow, Cult.fit, Sony LIV, Tata CLiQ
  • 1% CashPoints on all other spends incl. EMI and wallet loads
  • ₹1,000 gift voucher every quarter on ₹1L spends
  • Up to 4 domestic lounge visits a year (spend-linked)
Updated 13 Nov 2026
HDFC BankMID
•••• •••• •••• 4242
HDFC Millennia Credit Card
VISA

Key facts

Joining fee
₹1,000 + GST
Annual fee
₹1,000 + GST
Waived on ₹1 lakh annual spends
Reward rate
5% on 10 top brands · 1% elsewhere
Welcome benefit
1,000 CashPoints on fee payment

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HDFC BankSUPER PREMIUM
•••• •••• •••• 4242
HDFC Millennia Credit Card
Annual fee ₹1,000 + GST
Lounge access
4 / yr domestic
Forex markup
3.5%
Fuel surcharge
1% waiver
Interest rate
3.5% p.m. (42% p.a.)

What we like

  • Covers the brands most young Indians use daily
  • Low fee waiver threshold
  • Lounge access at this fee is rare

Watch out for

  • 5% capped at 1,000 CashPoints a month
  • Lounge access now needs ₹1L quarterly spends
  • CashPoints expire in 2 years

Our take

Why we rate it

Millennia is HDFC's answer to the online-first spender. Ten partner brands cover food, cabs, shopping and entertainment and the 1% base rate includes EMI transactions.

Who should get it

Salaried professionals under 35 who want one card for Swiggy, Amazon and Uber plus a few lounge visits.

Features & benefits in detail

Rewards
Partner brands
5% CashPoints
Other spends
1% CashPoints
Monthly cap
1,000 CashPoints
Fees
Fee waiver
₹1,00,000 annual spends
Forex markup
3.5%
Travel
Domestic lounge
4 per year
Lifestyle
Milestone
₹1,000 voucher per ₹1L quarterly

Milestone benefits

₹1,000 voucher on ₹1 lakh quarterly spends

Eligibility

Minimum income
₹35,000 / month
Age
21 – 60 years
Credit score
720+ preferred
SalariedSelf-employed

Approval, pricing and credit limits are decided solely by the issuing bank or NBFC. Fees, rewards and offers shown are indicative and may change without notice; please read the lender's Most Important Terms and Conditions (MITC) or Key Fact Statement before applying.

Frequently asked questions

₹1 when adjusted against the statement, ₹0.30 when used for products on SmartBuy.
HDFC Bank
HDFC Millennia Credit Card
Joining fee
₹1,000 + GST
Annual fee
₹1,000 + GST
Rewards
Up to 4%
Lounge
4 / yr
Forex
3.5%

Secure hand-off to HDFC Bank. No OTP or PIN ever asked.

Not sure?

Answer 5 questions and see whether this is really your best match.

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CardSparrow is an independent comparison platform, not a bank, NBFC or RBI-regulated lender. We may earn a referral fee from a lender or affiliate network when you apply through our links. This never changes what you pay and never affects our ratings or the order in which products appear.

HDFC Bank Infinia Credit Card (Metal)
VISA
HDHDFC Bank

HDFC Bank Infinia Credit Card (Metal)

4.8editor

Best for ultra-premium invite-only

5 points per ₹150 (3.33% back) with 1:1 flight/hotel redemption, unlimited lounge access worldwide and ITC hotel privileges.

Joining
₹12,500 + GST
Annual
₹12,500 + GST
Rewards
Up to 3.3%
Lounge Unlimited 2% forex
Details
Editor's pick
SBI CardMID
•••• •••• •••• 4242
SBI Cashback Card
VISA
SBSBI Card

SBI Cashback Card

4.6editor

Best for online shopping

Flat 5% cashback on all online spends with no merchant restrictions, auto-credited to your statement.

Joining
₹999 + GST
Annual
₹999 + GST
Rewards
Up to 5%
Fuel waiver
Details
Axis BankSUPER PREMIUM
•••• •••• •••• 4242
Axis Bank Magnus Credit Card
AXAxis Bank

Axis Bank Magnus Credit Card

4.4editor

Best for luxury travel transfers

12 EDGE points per ₹200, 35,000 bonus points at ₹1.5L monthly spends, unlimited lounges and 5:2 transfers to airline partners.

Joining
₹12,500 + GST
Annual
₹12,500 + GST
Rewards
Up to 2.4%
Lounge Unlimited 2% forex
Details
Editor's pick
HDFC BankPREMIUM
•••• •••• •••• 4242
HDFC Regalia Gold Credit Card
VISA
HDHDFC Bank

HDFC Regalia Gold Credit Card

4.5editor

Best for premium travel & lifestyle

4 points per ₹150, 5X on Nykaa, Myntra, Marks & Spencer and Reliance Digital, 12 domestic + 6 international lounge visits.

Joining
₹2,500 + GST
Annual
₹2,500 + GST
Rewards
Up to 2.7%
Lounge 12 / yr 2% forex Fuel waiver
Details