HDFC Millennia Credit Card

This cashback-focused HDFC Bank card offers 5% cashback on Amazon, Flipkart, and online spending, making it ideal for frequent online shoppers.

Last checked on October 24, 2026. We may earn a commission when you click through.

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✓ 5% cashback on Amazon and Flipkart ✓ 1% cashback on other spends ✓ Annual fee waived on ₹1 lakh annual spend

Data Snapshot

HDFC Millennia Credit Card

Annual Fee

₹1k

Rewards

5%

APR

41.88%

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Decision Brief

The HDFC Millennia Credit Card is excellent for those who frequently shop online, especially on major platforms like Amazon and Flipkart. However, the 41.88% APR may not suit those looking to carry a balance long-term.

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Annual Fee

₹1k

Rewards

5%

APR

41.88%

Overview

Card details

This cashback-focused HDFC Bank card offers 5% cashback on Amazon, Flipkart, and online spending, making it ideal for frequent online shoppers.

Quick Read

What stands out

💡 Honest Take: While the cashback rates are appealing, the high APR means that carrying a balance can quickly negate any rewards earned. Users should be mindful of their spending habits to truly benefit from this card.

Best For: Frequent online shoppers in India who can manage their credit responsibly and prefer earning cashback on specific platforms.

Watch Out: The high APR can lead to significant interest charges if the balance is not paid in full each month.

Upside

Pros

  • ✓ 5% cashback on Amazon and Flipkart
  • ✓ 1% cashback on other spends
  • ✓ Annual fee waived on ₹1 lakh annual spend
  • ✓ Visa card network offers wide acceptance

Tradeoffs

Cons

  • ✗ High APR of 41.88%
  • ✗ Cashback capped at ₹1,000/month
  • ✗ Annual fee of ₹1,000 after GST
  • ✗ Not ideal for balance carriers

Voice of Customers

What Customers Say

Cardholders appreciate the high cashback rates on e-commerce purchases but express concerns about the high APR and cashback limits.

Deep Dive

Expert Review

The HDFC Millennia Credit Card provides a solid cashback structure, particularly for online purchases, with up to 5% cashback on popular e-commerce sites. Yet, the 41.88% APR can be burdensome for users who tend to carry a balance. It's crucial for potential cardholders to evaluate their spending and payment habits.

The annual fee of ₹1,000, although waived for those spending over ₹1 lakh annually, can be a deterrent for casual users. User experience with HDFC's mobile app and customer service has generally been positive, providing a platform for managing transactions. However, users should remain aware of the cashback cap to maximize benefits.

broader rewards categories, this card may not meet your needs since it focuses primarily on specific online retailers.

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