HDFC Millennia
Visa · Mastercard
HDFC Millennia
HDFC Bank · Visa · Mastercard
Quick answer
HDFC Millennia by HDFC Bank has an annual fee of ₹1,000 and APR of 45%. Best for shopping and cashback. Pay the full bill every month — carried balances cost far more than any reward.
Opens the issuer's site. MoneyRadar has no paid placement here.
Joining fee
₹1,000
Annual fee
₹1,000
Forex markup
4%
APR
45%/yr
Fee waiver: Annual fee waived on ₹1L spend a year
What you earn
- 5%5% cashback on Amazon, Flipkart, Swiggy, Zomato & more
- 1%1% on all other spends
Welcome: ₹1,000 worth of gift vouchers on joining
Lounge access
Up to 4 domestic visits/year
Unlock rule: Choose one lounge voucher after ₹1L spend in a calendar quarter.
Who it's for
Minimum income ₹30,000/month · credit score 720+. For salaried, self-employed.
Income and score are screening estimates, not an approval promise. The issuer makes the final call.
Check the issuer's terms
Card rules change without much warning. We checked this snapshot on 26 July 2026. Open the issuer's current terms ↗
What's great
- 5% on the apps you already use
- Quarterly ₹1L milestone can unlock one lounge voucher
- Strong for online shoppers
Watch out for
- Monthly cashback caps
- Lounge access is not automatic — it needs ₹1L quarterly spend
Compare head-to-head
One honest reminder: a card is only worth it if you clear the full bill every month. At 45% a year, carried balances cost far more than any reward here is worth.