HDFC BankVisaMillenia Credit Card
4.1NeoFinQ editorial rating
5% cashback on top e-commerce platforms
- 5% cashback on Amazon, Flipkart
- Affordable fee with easy waiver
- Lounge access
- Joining fee
- ₹1,000
- Annual fee
- ₹1,000
- Reward type
- cashback
- Best for
- Cashback
- Est. rewards
- ₹20,500/yr
Our verdict
Great lifestyle card for millennials who shop and dine frequently.
Perfect for
- Millennials
- Online shoppers and food lovers
Not ideal for
- Travel-heavy users
Pros & cons
- 5% cashback on Amazon, Flipkart
- Affordable fee with easy waiver
- Lounge access
- Limited travel benefits
Rewards
5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato. 1% cashback on all other spends. Max cap of ₹1,000 per billing cycle. Wallet loads, Fuel, Rent, and Govt spends are excluded from 1% cashback.
| Category | Earn rate |
|---|---|
| Dining | 5% |
| Shopping | 5% |
| Travel | 3% |
| Online Shopping | 5% |
| Cashback | 5% |
Welcome offer
1,000 CashPoints upon payment of joining fee
Benefits
Airport lounge
- 4 domestic lounge visits/yr
Travel
- 1 complimentary domestic lounge access per calendar quarter, subject to spending ₹1 Lakh or more in the preceding calendar quarter.
More benefits
- Welcome Bonus: 1,000 CashPoints upon payment of joining fee
- Milestone: ₹1,000 worth gift vouchers on spends of ₹1,00,000 and above in each calendar quarter.
Fees & charges
| Joining fee | ₹1,000 |
| Annual fee | ₹1,000 |
| Renewal fee | ₹1,000 |
| Fee waiver | Waived on ₹1 lakh annual spend |
| Waiver threshold | Spend ₹1L/yr |
Eligibility
Min. income (annual)
₹4.2L
Employment
Salaried / Self Employed
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Annual fee ₹1,000