Entry Level
HDFC Millennia
HDFC 8.2
CardTrail Score
Very Good
out of 10
Annual Fee
₹1,000
Spend ₹1L/year
Forex Markup
3.5%
Reward Rate
1%
Up to 5%
Lounge Access
8
domestic | 0 intl
About This Card
HDFC Millennia is a solid starter card for online shoppers — 5% back on Amazon, Flipkart, and Swiggy via SmartBuy, with a low ₹1,000 fee waived at just ₹1L annual spend. Not great for travel (3.5% forex markup), but excellent for everyday online purchases.
Pros & Cons
Pros
- 5% on online shopping via SmartBuy
- Easy ₹1L waiver threshold
- Domestic lounge access
- Good starter premium card
Cons
- 3.5% forex markup — terrible for travel
- No international lounge access
- 1% base rate is below average for premium
Fee Details
Annual Fee
₹1,000
Joining Fee
₹1,000
Fee Waiver Condition
Spend ₹1L/year
Fuel Surcharge Waiver
Yes
EMI Conversion
Yes
Reward Structure
Base Rate
1%
Max Rate
5%
Currency
CashPoints
Welcome Bonus
1,000 CashPoints
Lounge Access
Domestic Lounges
8
per quarter
International Lounges
0
Key Highlights
- + 5% cashback on Amazon, Flipkart, Swiggy via SmartBuy
- + 1% cashback on all other spends
- + Low ₹1K fee with easy waiver
- + 8 domestic lounge visits
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Quick Summary
Best For
online shopping cashback
Annual Fee ₹1,000
Base Reward 1%
Max Reward 5%
Forex Markup 3.5%
Network Visa
Min Income ₹3L+
CardTrail Score
Best For
online shopping cashback beginner
