HDFC Millennia Review (2026)
HDFC's popular mid-range card targeting millennials. 5% CashBack on Amazon, Flipkart, Swiggy, and Zomato with low fee and easy waiver.
Last updated: 2026-03-07· By PointsWallah Editorial
Fee Details
| Annual Fee | ₹1,000 |
| Joining Fee | ₹1,000 |
| Fee Waiver | Spend 1L in a year |
| Income Required | ₹4L/year |
| Network | Visa |
| Fuel Surcharge Waiver | Yes |
Reward Rates
Currency: HDFC Reward Points
Lounge Access
Our Review
The Millennia is designed for the online-first generation — and it delivers on that promise. If your spending is heavily weighted toward Amazon, Flipkart, and food delivery apps, the 5% CashBack is genuinely useful. The catch most people miss is the 750 points/month cap on partner CashBack, which means the effective maximum benefit from the 5% rate is about 375/month. Still, combined with the easy 1L fee waiver and 8 lounge visits, this is a solid first premium card. Graduate to Regalia once your income crosses 12L.
Pros & Cons
Pros
- + 5% CashBack on top online brands (Amazon, Flipkart, Swiggy, Zomato)
- + Low 1L annual spend requirement for fee waiver
- + Good starter premium card with reasonable income requirement
- + 8 domestic lounge visits per year
Cons
- - 5% CashBack on partners is capped at 750 points/month
- - Base rate of 2x on general spends is average
- - No international lounge access
- - Not great for travel or high spenders
Best For
Compare HDFC Millennia
Frequently Asked Questions
Is the HDFC Millennia worth it in 2026?
It depends on your spending. The HDFC Millennia costs ₹1,000/year (waiver: Spend 1L in a year). With an effective base return of 1.0%, you'd need to spend approximately ₹1L per year just to break even on the fee. If your annual spend exceeds that, the card earns you money.
What is the HDFC Millennia annual fee?
The HDFC Millennia has an annual fee of ₹1,000. Joining fee is also ₹1,000. Fee waiver: Spend 1L in a year.
What is the minimum salary required for HDFC Millennia?
The minimum annual income required for the HDFC Millennia is ₹4L. However, if you have an existing banking relationship with HDFC Bank, you may get approved at a lower income level.
Disclaimer: This review is for informational purposes only and does not constitute financial advice. Card features, fees, and reward structures may change without notice. Please verify all details on HDFC Bank's website before applying. We may earn a commission if you apply through our links — this does not affect our editorial assessment.