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HDFC · entry tier
HDFC Millennia
Online shoppers with ₹40K-1L monthly spend
Joining fee
₹1.0K
Annual fee
₹1.0K
Base rate
1%
Expert rating
8.0/10
— Real annual value
What's it actually worth for you?
₹50.0K
Gross rewards₹24,600
Fees-₹1,000
Net annual value+₹23,600
Value breakdown
online (5%)+₹12,000
Base rate (1%)+₹3,600
Milestone: ₹1,000 voucher per quarter on ₹1L spend+₹4,000
Welcome benefit+₹1,000
Lounge access (8 visits)+₹4,000
Annual fee (waived)+₹0
Joining fee (year 1)₹1,000
— Highlights
- 5% on top 10 brands
- 2.5% on all other online spends
- Lounge access on ₹1L quarterly spend
— Redemption paths
Every way to spend your cashback
1
cashback
Statement credit
₹1.00
per point
— Reward rates
Earn by category
online
5%
Capped at ₹1.0K/month
5% on Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber, BookMyShow