All cards / HDFC Bank
HDFC Millennia
A strong entry-level cashback card built around everyday online spend, with a low, easily-waived annual fee.
Rates and fees last verified 19 July 2026.
Annual fee
₹1,000
Joining fee
₹1,000
Reward type
cashback
Base reward rate
1%
Card network
Visa
Card tier
Entry
Reward rates by category
- Online shopping5% (capped ₹1,000/monthly)
- Groceries2.5% (capped ₹500/monthly)
- Utilities1% (capped ₹200/monthly)
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹35,000
- Employment: salaried, self-employed
- Age: 21–60
Benefits
- 1,000 CashPoints on joining
Pros
- + High cashback on online shopping
- + Low annual fee, easy to waive
- + Up to 50 days interest-free period
Cons
- − Cashback caps are modest for heavy spenders
- − Average forex markup
Applying takes you to HDFC Bank's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.