HDFC Millennia Credit Card
*Apply links lead directly to official partner or bank portal. Verify latest T&C before applying.
₹1,000
Waiver: Spend ₹1 Lakh in an anniversary year
5% Cashback on Amazon, Flipkart, Swiggy, Zomato, BookMyShow, Uber, Myntra
Cashback (CashPoints)
4 complimentary lounge visits per calendar year (1 per quarter on ₹10k spend)
Intl: Not applicable
3.5%
Standard markup
The Loot Verdict
Executive summary for savvy cardholders
🎯 Ideal For
Users seeking max value in 5% cashback on top online brands, 1% cashback on all other spends.
⚡ Value Calculation
Annual Fee: ₹1,000. Easily recovered if annual spends exceed fee waiver benchmarks.
Interactive Net-Value & Cashback Calculator
Tailor your exact spend categories to calculate your true net annual profit and milestone rewards.
+₹18,000/yr
₹1,500/mo (Points + Milestone Vouchers)
₹0 (Waived)
Spend >= Waiver threshold
₹18,000
🔥 5.0% net return on your spend
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