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HDFC
Millennia HDFC Bank
Mastercard
Mastercard
Illustration. Official card art comes from the bank.
Millennia HDFC Bank
Online spenders spread across many popular apps.
Annual fee₹1,000 + GST
Fee waiverAt ₹1,00,000 a year
Rewards paid asCashback to your statement
Lounge visits4 a year
Forex markup3.5%
Typical income₹35,000/mo
Rewards
| Where you spend | You get back |
|---|---|
| 10 partner apps Up to ₹1,000 back a month | 5% |
| Everything else | 1% |
No rewards on: fuel, rent, UPI.
How to get the most from it
- 5% on Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber and more, up to ₹1,000 cashback a month.
- Once you hit the cap, move partner spends to another card for the rest of the month.
- Spend ₹1 lakh a year and the annual fee is reversed.
- Lounge access is tied to quarterly spend, so check the condition before you fly.
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Amazon Pay ICICINo annual fee · ICICIFlipkart Axis Bank₹500 fee · AxisSwiggy HDFC Bank₹500 fee · HDFCSBI Card Cashback₹999 fee · SBI
Details last checked recently. Banks change terms often, so confirm on HDFC's website before applying.