HDFC Millennia
HDFC · Lifestyle · Visa/MC
Annual Fee
₹1,000
Fee Waiver
₹1L annual spend
Lounge Access
4/year
Best Rate
5%
Network
Visa/MC
✅ Data verified March 2026
Reward Rates by Category
🍽️Dining
5%
🛒Online Shopping
5%
🎬Entertainment
5%
🛍️Shopping
5%
✈️Travel
1%
🥦Groceries
1%
💡Utilities
1%
⛽Fuel
0%
How Points Work
5% on partners (cap ₹1000/mo), 1% on all other
🚀 Boosted Rates (Partners & SmartBuy)
Swiggy, Zomato5% cashback
Amazon, Flipkart, Myntra5% cashback
Tata CLiQ, Uber, BookMyShow, Sony LIV, Cult.fit5% cashback
These rates apply when using specific platforms or partners — higher than the base category rate shown above.
Key Benefits
5% on 10+ partner brands₹1000/mo cashback cap on 5%4 domestic lounge/yrFee waiver ₹1L spend
PROS
✅ 5% on Swiggy/Zomato/Amazon/Flipkart
✅ Low ₹1000 fee (waivable)
✅ 4 lounge visits
CONS
⚠️ Only 1% on non-partner spends
⚠️ ₹1000/mo cap on 5% cashback
⚠️ Fuel excluded
Affiliate links coming soon
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