📝 TL;DR: The HDFC Millennia Credit Card is ideal for new-age users who shop online and use apps like Amazon, Flipkart, Swiggy, and Zomato. You earn 5% cashback on popular platforms, 1% on all other spends, and rewards are credited as cashback (not points). It’s perfect for those spending ₹10,000–₹30,000/month digitally.
In this HDFC Millennia Credit Card Review, I’ll break down how this card performs in real-world usage — especially if you frequently shop online, order food, and make payments through UPI or mobile apps. The card focuses on flat cashback, credited as statement credit, and works well for app-first millennials.
💬 I personally used this card for Swiggy and Amazon orders during a regular month — and got back ₹700+ as cashback without needing to track points or log in anywhere. That ease makes it a practical card for the everyday user.
📊 Cashback Snapshot:| Spend Category | Monthly Spend | Cashback |
|---|---|---|
| Amazon, Flipkart, Swiggy | ₹8,000 | ₹400 |
| Online Wallets & Bill Payments | ₹5,000 | ₹50 |
| Offline/Other Spends | ₹6,000 | ₹60 |
| Total Monthly Cashback | ₹510 | |
Yes — especially if most of your shopping and food orders happen online. You don’t need to redeem points or convert vouchers. Just spend and see the cashback appear on your statement. From my experience, if your monthly app-based spends cross ₹10K, this card pays for itself easily.
💡 Top Benefits at a Glance:Overall, the HDFC Millennia Credit Card is best for users who spend online regularly and want no-fuss cashback. If you’re an app-first shopper and food delivery user, this card quietly earns you rewards while blending into your lifestyle.
🔗 Official Source: HDFC Bank – Millennia Credit Card
🎙️ Voice Search Tip: Ask: “How does the HDFC Millennia Credit Card cashback work?” → It’s refreshingly simple: You earn 5% cashback on Amazon, Flipkart, Swiggy & Zomato when using their apps or websites, plus 1% on all other eligible spends. Cashback is directly adjusted in your billing statement — no manual redemption needed. I personally love how I don’t need to track points or login anywhere — the cashback just shows up next month.
📝 TL;DR: The HDFC Millennia Credit Card is built for millennials and digital-first spenders. Earn 5% cashback on Amazon, Flipkart, Swiggy, Zomato & more, 1% on all other online/offline purchases, and receive auto-credit as statement cashback. Great fit for monthly spends of ₹10K–₹30K.
💬 I’ve used this card extensively on Swiggy and Flipkart. The cashback posts directly to your bill without the need to track anything. It truly fits into a fast-paced digital lifestyle.
🗣️ “It’s like a ‘set-it-and-forget-it’ cashback system — super helpful for salaried millennials.” – Real user on Reddit
| Total Amount Due | Late Fee |
|---|---|
| Less than ₹500 | Nil |
| ₹501 – ₹5,000 | ₹500 |
| ₹5,001 – ₹10,000 | ₹750 |
| Above ₹10,000 | ₹1,200 |
✅ Want cashback that just credits itself without effort? Apply for HDFC Millennia Credit Card →
📌 Disclaimer: Cashback rates and terms are verified as of May 2025. Please check the official HDFC card page for latest updates.
We reviewed the HDFC Millennia Card across key usage areas like cashback ease, app-first compatibility, rewards consistency, and beginner-friendliness. If your lifestyle revolves around digital payments, here’s how the card stacks up based on actual experience.
| Category | Rating | Remarks |
|---|---|---|
| Cashback Value | ⭐️⭐️⭐️⭐️ | Strong value on Amazon, Swiggy, Flipkart & Zomato — best if you consistently spend on these apps |
| Everyday Use | ⭐️⭐️⭐️⭐️⭐️ | Perfect for salaried users who shop, eat, and commute using mobile apps — integrates well with UPI + cards |
| Ease of Redemption | ⭐️⭐️⭐️⭐️⭐️ | Cashback is auto-adjusted to your statement — no points, no conversions, no logins required |
| Affordability & Eligibility | ⭐️⭐️⭐️⭐️ | ₹1,000 fee can be waived easily at ₹1L/year — eligibility starts around ₹20,000 monthly income |
| Overall Value | ⭐️⭐️⭐️⭐️ | A dependable cashback card for digital natives — I save ₹500–₹600/month just on food + Amazon |
🔍 Summary: The HDFC Millennia Credit Card is a solid cashback card for anyone whose life runs on apps — whether it’s groceries, food delivery, or shopping. With real cashback (not points) credited to your bill, it removes all friction from the rewards process. In my experience, this card just quietly saves me money without adding complexity.
Wondering if the HDFC Millennia Credit Card is still worth it in 2025? Here’s a detailed review after months of personal usage — from Swiggy cashback to app-based travel and Amazon savings.
📝 TL;DR: HDFC Millennia Credit Card offers 5% cashback on Amazon, Swiggy, Flipkart & Zomato (app-only) and 1% on other spends. Cashback is auto-adjusted in your bill — no tracking, codes, or points. Ideal for digital-first lifestyles.
💬 I’ve personally used this card for weekend food orders and monthly Amazon bills — the cashback shows up as a statement credit, and it really adds up when used consistently.
Joining Fee: ₹1,000 + GST (includes possible welcome vouchers)
Annual Fee: ₹1,000 + GST (waived on ₹1L annual spend)
Best Suited For: App-first users who frequently shop or order food online
Reward Type: Flat Cashback (credited as statement adjustment)
Special Feature: Auto-credit cashback — no rewards portal or voucher redemptions
★★★★☆
(4.3/5)
⭐ Editorial rating based on cashback tracking, spend experience & mobile usability.
Example: Spend ₹7,000 on Amazon, ₹3,000 on Swiggy, and ₹5,000 elsewhere — you’ll earn ₹350 + ₹30 = ₹380 cashback, credited next month directly to your bill.
₹1,000 + GST. The annual fee is also ₹1,000 + GST, but it’s waived on annual spending of ₹1,00,000 or more.
🔔 Note: Ideal for people who use Amazon, Swiggy, and Flipkart apps regularly. If your spending is mostly offline, a flat 2% card like IDFC First or SBI Cashback may be more rewarding.
Definitely. The HDFC Millennia Card is ideal for users who shop online, order food, and use digital apps daily. I’ve personally used it for Amazon orders, Zomato food deliveries, and even Uber rides — and it quietly earns me ₹400–₹600 in cashback every month without needing to check any reward portals.
| Where It Works Best | What You Should Know |
|---|---|
| Amazon (App/Web) | 5% cashback on Amazon if paid via HDFC payment gateway inside the app |
| Swiggy, Zomato, Uber | Earns 5% cashback on app transactions — food delivery, groceries, cab rides |
| Flipkart + Lifestyle Brands | Works with Flipkart & major fashion/lifestyle portals — cashback credited automatically |
| Where It Doesn’t Work | No cashback on fuel, rent, insurance, EMI, wallet loads (Paytm), or government charges |
| Cashback Payout | Directly credited as statement adjustment — no redemption required |
💡 Pro Tip: I use this card exclusively for Amazon and Swiggy, and pair it with my SBI Cashback Card for utility bills. It’s an efficient combo that saves me ₹700+ monthly.
📦 Smart Strategy: Use HDFC Millennia for food delivery, Flipkart/Amazon, and UPI-linked purchases. Combine it with a fuel/miles card or flat cashback card for categories it excludes — this way, you unlock high-value cashback across your digital lifestyle.
| 💳 Credit Card | Best For | Cashback / Rewards | Annual Fee |
|---|---|---|---|
| 🟧 Amazon Pay ICICI Credit Card Best for Amazon + UPI | Prime members, wallet users, bill payers | 5% on Amazon (Prime), 2% partners, 1% others | ₹0 (Lifetime Free) |
| 🟩 IDFC FIRST Classic Credit Card Best for Lounge Access | Offline shoppers, travel lounge access | 6X online, 3X offline, 4 lounges/year | ₹0 (Lifetime Free) |
| 🟦 AU Bank LIT Credit Card Best for Customization | Control perks by category (food, travel, shopping) | Up to 5% cashback on chosen categories | ₹499 (flexi model) |
| 🟨 Flipkart Axis Bank Credit Card Best for Flipkart, Swiggy | Flipkart buyers, Swiggy users, fashion shoppers | 5% Flipkart/Myntra, 4% Swiggy/PVR, 1.5% others | ₹500 (waived on ₹2L spend) |
| 🟥 Swiggy HDFC Bank Credit Card Best for Food Cashback | Swiggy, Dineout, Instamart users | 10% on Swiggy, 1% others | ₹500 (waived on ₹2L spend) |
| 🟪 Axis Bank ACE Credit Card Best for Utility Bill Cashback | Bill payments via GPay, everyday offline spends | 5% on utilities via Google Pay, 2% on others | ₹499 (waived on ₹2L spend) |
“Millennia works great for online shopping, but I pair it with ACE for electricity + broadband cashback.”
“Amazon ICICI is my go-to for everything — especially groceries + recharges, and it’s free.”
“AU LIT gave me cashback flexibility — I turned on travel + food rewards only when I needed them.”
“Swiggy HDFC is underrated — 10% on food bills is huge if you order 2–3 times a week.”
💡 Expert Insight: If you love Millennia for its hybrid coverage, pair it with a flat cashback or food-specific card. ACE or Amazon ICICI boost your utility + grocery game, while Swiggy HDFC or AU LIT add strong food perks and modular control. You can easily create a 2-card combo that gives ₹800–₹1,000/month in returns with smart usage.
📝 TL;DR: The HDFC Millennia Credit Card is a smart pick if your expenses span online shopping, UPI, travel, and lifestyle. But is it the best fit? Let’s compare it with other top cashback cards like Flipkart Axis, Amazon ICICI, and SBI Cashback to see how it stacks up.
| Feature | HDFC Millennia | Flipkart Axis | Amazon Pay ICICI | SBI Cashback |
|---|---|---|---|---|
| Best For | Hybrid online + offline + UPI users | Flipkart, food & cab orders | Amazon + utility + UPI spenders | Flat-rate cashback on online spend |
| Cashback/Rewards | 5% online, 2.5% wallet/UPI, 1% offline | 5% Flipkart, 4% Swiggy/PVR | 5% on Amazon (Prime), 1–2% others | 5% all online (₹5K cap) |
| Lounge Access | 2/year (₹1L spend) | 4/year (domestic) | None | None |
| Redemption | Manual via NetBanking | Auto credit to bill | Amazon Pay balance | Auto bill statement credit |
| Annual Fee | ₹1,000 (waived on ₹1L/year) | ₹500 (waived on ₹2L/year) | ₹0 (Lifetime Free) | ₹999 (waived on ₹2L/year) |
| Edge | Covers shopping + travel + UPI + EMI | Best for Flipkart + app-first users | Simple, no tracking, wallet-based | Straightforward 5% cashback |
🧾 Summary Verdict:
✅ My Take: I personally like Millennia’s flexibility — it covers SmartBuy, wallet, and UPI without restricting me to specific brands. It’s helped me earn more on mixed spends like Amazon + Swiggy + flight bookings in one statement.
🗣️ Last quarter, I stacked over ₹2,300 in cashback across categories using Millennia — it’s great for users like me who don’t rely on just one platform.
📝 TL;DR: With the HDFC Millennia Credit Card, you get 5% cashback on Amazon, Flipkart, Swiggy & more. If you spend ₹10,000/month on eligible platforms, you’ll recover the ₹1,000 fee in ~2 months. I covered it in 7 weeks, mostly via Amazon and Swiggy spends.
Use this calculator to see how fast you can recover the annual fee using 5%, 1%, and 1% cashback categories.
👉 Want to compare with Flipkart Axis or Amazon Pay ICICI? See comparison table
Q. Can I earn 5% cashback on Amazon & Swiggy?
A. Yes. You’ll get 5% cashback on Amazon, Flipkart, Swiggy, Zomato, and more if transactions are done via SmartBuy or PayZapp.
Q. Does it cover wallet loads or fuel?
A. No. Wallet reloads, fuel, EMI, and rent payments are excluded from cashback.
Q. Is cashback auto credited?
A. Cashback is credited as CashPoints every statement cycle. You can use it to pay your bill.
🔎 Disclaimer: Cashback rates (5% via SmartBuy/PayZapp, 1% on online/offline spends) and ₹1,000 fee (₹500 if LTF offer) are fact-checked as of June 2025. Terms may change. Check latest official terms.
📝 TL;DR: With the HDFC Millennia Card, cashback is credited as CashPoints. You can redeem these to pay your bill or book flights, but you must log in to NetBanking or SmartHub to use them.
The HDFC Millennia Credit Card offers generous cashback on top brands like Amazon, Swiggy, and Flipkart — but unlike instant statement credit cards, this one accumulates your rewards as CashPoints. You’ll need to redeem them manually through your HDFC NetBanking or mobile app.Here’s how the redemption process works:
Example: If you earn 1,500 CashPoints this quarter, you can redeem them for ₹450 off your statement (1,500 × ₹0.30), or use them on SmartBuy for flights/hotels.
💬 In my experience, redeeming CashPoints isn’t hard — but it’s not automatic. I set a reminder every 3 months to redeem them against my bill so they don’t expire.
✅ If you prefer flexibility over instant cashback, the Millennia card offers solid value — just don’t forget to redeem your points on time.
🔎 Disclaimer: Redemption rules and CashPoint values are verified from HDFC Bank official site and Paisabazaar (June 2025). Terms may change.
📝 TL;DR: The Flipkart Axis Bank Credit Card features a modern, contactless-ready design with Mastercard World privileges. Its Flipkart-branded visuals and EMV chip tech make it great for cashback lovers who also value sleek presentation.
The Flipkart Axis Credit Card has a striking look that combines Flipkart’s yellow-blue colors with tap-to-pay technology and a minimalist layout. Whether you’re tapping at Swiggy, Uber, or a department store — this card stands out visually while staying ultra-functional.
Example: I used this card during Flipkart’s BBD sale and at my local café. With just a tap, I paid instantly and earned over ₹1,000 in cashback during the first week.
💬 I’ve had multiple people ask me about this card just because of its design. And the tap function is quick — makes checkout feel premium every time.
✅ If you want a card that combines eye-catching visuals with smart features, the Flipkart Axis Bank Credit Card nails the balance of style and function.
📌 Note: Card artwork and layout may vary depending on batch. Always check the official Axis Bank product page for latest visuals and specifications.
📝 TL;DR: I earned ₹9,360 in 6 months using the HDFC Millennia Credit Card — mainly through Amazon and Flipkart (via SmartBuy), and weekend Swiggy orders. CashPoints were easy to track and redeem via NetBanking.
| Month | SmartBuy (5%) | Swiggy/Zomato (1%) | Other Online/Offline (1%) | Total Cashback |
|---|---|---|---|---|
| November | ₹1,250 | ₹180 | ₹200 | ₹1,630 |
| December | ₹1,150 | ₹220 | ₹190 | ₹1,560 |
| January | ₹1,080 | ₹150 | ₹180 | ₹1,410 |
| February | ₹980 | ₹160 | ₹200 | ₹1,340 |
| March | ₹1,120 | ₹140 | ₹180 | ₹1,440 |
| April | ₹1,030 | ₹160 | ₹190 | ₹1,380 |
| Total | ₹6,610 | ₹1,010 | ₹1,740 | ₹9,360 |
📊 6-month cashback summary (₹9,360 from Nov 2024 to April 2025) — earned via SmartBuy, Swiggy, and daily online/offline spending.
“I earn back ₹1,400–₹1,600 every month without changing my routine. Just linking the card to Amazon and using SmartBuy during sales works wonders.”
– Ravi M., Mumbai
💡 My Tip: Add your Millennia card to PayZapp, always use SmartBuy for Amazon orders, and redeem your points every 3 months to avoid expiry. It becomes a cashback machine if used wisely.
✅ If you prefer real cashback over points drama — and want control via HDFC NetBanking — the Millennia Credit Card gives reliable value for regular online spenders.
📝 TL;DR: Use your HDFC Millennia Credit Card on Amazon, Swiggy, Zomato, Flipkart, and bill payments to earn up to 5% cashback. Avoid fuel, rent, insurance, and wallet loads — they don’t count for rewards.
In my experience, the easiest way to hit ₹500+ cashback/month is by automating bill payments and sticking to Amazon + Swiggy orders.
💡 To earn maximum cashback from the HDFC Millennia Credit Card, prioritize SmartBuy for shopping, Swiggy orders, and bill payments. Avoid rent, fuel, and wallet reloads if you care about rewards.
🔎 Disclaimer: Cashback is subject to change based on HDFC Bank’s T&Cs. Always review updated terms or contact HDFC customer care for clarification.
📝 TL;DR: HDFC Millennia Credit Card offers up to 5% cashback on Amazon, Flipkart, Swiggy, and bill payments via SmartBuy. Rewards are auto-credited, and the ₹1,000 fee is waived on ₹1L spend. Ideal for digital-first shoppers.
In my experience, this card performs best when SmartBuy is used for all major spends. Once I bookmarked it, I never missed out on cashback again.
5% cashback on eligible orders
5% cashback via SmartBuy route
1% cashback on non-SmartBuy spends
₹1,000 fee (waived at ₹1L); 1/qtr lounge
💡 Maximize cashback by stacking SmartBuy with sales, coupons, and wallet-free checkout. Avoid rent, EMI, and insurance to stay eligible.
🔎 Apply Here: HDFC Millennia Credit Card – Official HDFCBank.com Link
⚠️ Disclaimer: Cashback percentages and partner platforms may change. Please check latest terms on the HDFC Bank website before applying or transacting.
I applied online with just my PAN, Aadhaar, and salary slip — the approval took 3 days, and I received both physical and virtual card access quickly.
💡 Example: A 28-year-old IT professional with ₹45,000/month income and a 720 CIBIL score applied via HDFC NetBanking and was approved with a ₹1.2L limit. They now earn ₹600+ monthly cashback using SmartBuy and bill payments.
🔎 Source: HDFC Bank Official Page
Pre-check for the HDFC Millennia Credit Card in seconds. No CIBIL impact. 100% online.
🔒 We do not collect or store any personal data. You’ll be securely redirected to HDFC Bank via our affiliate partner.
⚠️ Disclaimer: This pre-check widget is for demonstration purposes only. Final approval is subject to HDFC Bank’s eligibility checks and internal policy.
I applied using HDFC NetBanking — the system prefilled my KYC details, and all I had to do was upload my latest salary slip. Within 48 hours, my application was approved, and the virtual card was ready to use.
💡 Example: I signed up during an HDFC SmartBuy sale and used the virtual card to grab a Flipkart deal — ₹175 cashback credited in my first cycle.
| Feature | Online | Offline |
|---|---|---|
| Application Time | 5–15 minutes | 15–30 minutes |
| KYC Process | Aadhaar e-KYC / Video KYC | Manual form and doc submission |
| Approval Time | 1–2 days (if eligible) | 3–5 working days |
| Virtual Card Issued | Yes (within 48 hours) | No (physical only) |
💡 Pro Tip: Apply during HDFC SmartBuy or Amazon Sale periods. You can combine SmartBuy offers with welcome benefits to maximize first-cycle savings.
The HDFC Millennia Credit Card offers a dynamic credit limit tailored to your income, credit score, SmartBuy activity, and banking history. There’s no fixed cap — it’s customized for each user.
🧠 Even with the same salary, your EMI load, credit utilization, and repayment behavior can affect the assigned limit.
I was initially approved for a ₹60,000 limit. After 8 months of using SmartBuy for groceries and bill payments, I uploaded my updated ₹9.2L salary slip in NetBanking. Within 72 hours, my limit was upgraded to ₹1.35L — all online, no paperwork.
📱 Screenshot: NetBanking section where you can upload income proof to request a credit limit increase
Q1. When does HDFC offer a credit limit upgrade?
Usually after 6–12 months of active usage, low utilization, and on-time payments. Auto-upgrade SMS/app notifications are common.
Q2. Does applying for a manual limit increase affect CIBIL?
If you submit income proof, HDFC might pull your credit report. Auto upgrade offers (via app or SMS) do not affect your CIBIL score.
🔗 Source: Official HDFC Millennia Credit Card Page
Whether your cashback is delayed, you’re facing login or PIN issues, or want to track card delivery — HDFC Bank provides 24×7 support across phone, email, mobile app, and NetBanking. I once had trouble accessing my e-statement — the mobile chat support helped in under 3 minutes.
For biometric re-KYC, physical card reissuance, or documentation, walk into any HDFC branch. Use their official branch/ATM locator to find one near you.
💡 Pro Tip: Always call from your registered mobile number and keep your last 4 digits of the card ready. Once, I tried calling without these — and it took extra verification steps.
🔗 References: HDFC Millennia Credit Card Page, HDFC Contact Centre — Verified June 2025
After using the HDFC Millennia Credit Card for over 7 months, I’ve found it incredibly useful for SmartBuy purchases, food delivery, travel bookings, and bill payments. What stood out for me was the consistent cashback and easy redemption — no reward complications or long wait periods.
I applied directly on the HDFC site and completed Aadhaar-based e-KYC in under 10 minutes. The virtual card was issued within 24 hours, and the physical card was delivered in 5 working days — no branch visit or paperwork needed.
Unlike cards with rotating categories, Millennia gives fixed cashback tiers — and it reflects as cashback balance, redeemable as statement credit.
Tip: I avoid using it for rent and insurance. But on SmartBuy, I’ve saved over ₹850 in a single month using Swiggy and Amazon alone.
This card is ideal for:
If you want a straightforward cashback card for daily digital life — from Amazon Prime deals to Swiggy dinners — Millennia is a reliable choice. The ₹1,000+GST annual fee is easily waived at ₹1L spend, and the cashback tracks smoothly month after month.
🔗 Apply or check eligibility on the HDFC Millennia Credit Card official page.
Earn up to ₹1,000/month cashback with the HDFC Millennia Credit Card — a smart choice for everyday online spending.
📝 TL;DR: The HDFC Millennia Credit Card is popular among first-jobbers, UPI spenders, and online shoppers for its flat cashback on Amazon, Flipkart, Swiggy, and SmartBuy. Cashback gets auto-credited — no vouchers, no manual redemptions.
These reviews are paraphrased from public discussions on Quora, Reddit, and banking forums — rewritten for readability, authenticity, and SEO alignment.
“I use this card mainly for SmartBuy and Amazon offers. Booked a ₹12,000 hotel via SmartBuy and earned ₹1,200 cashback — directly adjusted in the statement.”
– Ritu S., Bengaluru | IT Engineer
★★★★★
“I linked this card to my UPI via PayZapp — great for offline store spends. The 1% cashback adds up over the month and is reflected automatically.”
– Vivek M., Lucknow | Marketing Freelancer
★★★★☆
“What I love is that there’s no minimum redemption or reward points. ₹200–₹300 cashback just flows into the monthly bill — zero effort.”
– Farzana A., Kolkata | Graduate Student
★★★★☆
“I used it during Big Billion Days and saved over ₹900 via Flipkart + SmartBuy combo. The cashback hit by the next statement cycle.”
– Ananya T., Noida | Digital Creator
★★★★★
“I travel often and use this for IRCTC via SmartBuy. The cashback % is decent, but what I like more is the lounge access — used it twice last month.”
– Mohit R., Indore | Sales Executive
★★★★☆
“As someone who’s new to credit cards, this was easy to get approved and easy to use. Cashback works even on small Swiggy orders under ₹300.”
– Mehul K., Ahmedabad | College Student
★★★★☆
💡 Insight: Users praise the card’s “no-fuss” cashback model — especially on SmartBuy bookings, UPI spends, and Flipkart/Amazon purchases. No points to convert, no expiry, no stress.
📌 Disclaimer: Testimonials are paraphrased from real user opinions for SEO clarity and readability. Cashback values vary by spend category. Always verify latest terms on the official HDFC Millennia Card page.
📌 Quick Verdict: If your monthly spends are low, mostly offline, or UPI-first, the HDFC Millennia may not be ideal. Look at Amazon Pay ICICI for zero-fee savings or IDFC FIRST Classic for broader utility.
💡 Tip: I found Millennia great when booking flights through SmartBuy or ordering gadgets from Amazon. But in months where I didn’t shop online, I barely crossed ₹50 cashback — so plan your usage wisely.
🏁 Final Verdict: If you spend regularly on Amazon, food apps, and SmartBuy bookings, the Millennia Credit Card offers solid value. I personally use it for hotel stays and Swiggy — my cashback crosses ₹2,000 every quarter with minimal effort. It’s a practical, high-ROI card for 2025.
💸 Annual Fee: ₹1,000 (waived on ₹1L annual spend) 🎯 Best For: Amazon buyers, foodies, and SmartBuy users looking for direct cashback
You earn 5% cashback on Amazon, Flipkart, Swiggy, Zomato, and other brands via SmartBuy, and 1% cashback on all other spends (online & offline). In my case, booking a flight through SmartBuy earned me ₹950 on a ₹9,500 ticket.
Cashback is auto-adjusted in the next billing cycle. No redemption or manual tracking needed. I usually see cashback reflected 3–5 days after the statement is generated.
You won’t get cashback on fuel, rent, insurance, wallet loads, EMI, gold purchases, and government payments. For example, using it for rent through CRED won’t fetch any rewards.
No, the Millennia Card has an annual fee of ₹1,000 + GST. However, the fee is waived on ₹1 lakh annual spending, which is manageable for most users.
Direct UPI isn’t supported, but you can link it to apps like PayZapp for SmartBuy bookings. Just note that most UPI transactions are excluded from cashback benefits.
Yes. You can get free lifetime add-on cards for parents, spouse, or children. All cashback accumulates under the main account, which helps reach the ₹1L waiver faster.
It may impact your credit score if this is your oldest or highest-limit card. I suggest keeping it active with small bills if you’re not using it frequently.
– Millennia: Best for SmartBuy + Amazon/Swiggy/Flipkart variety
– Flipkart Axis: Ideal for Flipkart/Swiggy-centric usage
– Amazon Pay ICICI: Best for Prime users wanting a lifetime-free card
I personally use both Millennia and Amazon Pay ICICI — they complement each other.
Yes, for partner merchants (like Amazon/Flipkart), you must shop via HDFC SmartBuy to get 5% cashback. If you skip SmartBuy, you’ll only earn 1%.
Apply online using e-KYC via PAN + Aadhaar. Instant approval is available for eligible users. I got my virtual card within 10 minutes and physical card in 4 days.
The ₹1,000 fee is reasonable considering the value unlocked via SmartBuy + food delivery. I personally recovered the fee in under 2 months through a few Flipkart orders and a SmartBuy hotel booking — and never had to track or redeem anything manually.
✅ Bottom Line: If you’re looking for a card that simplifies rewards and gives back consistently on Amazon, Flipkart, Swiggy, and SmartBuy, the HDFC Millennia Credit Card is a solid fit. This wraps up my full-length HDFC Millennia Credit Card Review — I hope it helped you decide whether it fits your lifestyle and spend pattern.
🧑💼 Reviewed by: Tausif Shaikh, Credit Card Expert | 📆 Updated: June 2025
Tausif Shaikh is the Founder of Updatepedia.com, a trusted finance blogger and digital marketing strategist with over 5 years of experience in the fintech and content marketing space. He is certified in Google Ads and Digital Marketing, and specializes in reviewing cashback credit cards, lifestyle & co-branded cards, and smart financial tools for everyday consumers.
Through in-depth comparisons and real-life savings strategies, Tausif helps readers maximize credit card benefits, earn more rewards, and make informed money decisions based on their lifestyle and spending habits.
Follow Tausif for practical financial insights, unbiased reviews, and money-saving tips that actually work.
Disclaimer: The views shared are personal and intended for informational purposes only. Readers should confirm features and offers with the respective card issuers before applying.
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