# Millennia HDFC Bank (HDFC)

> Online spenders spread across many popular apps.

- Page: https://creditselect.in/cards/millennia-hdfc
- Annual fee: ₹1,000 plus GST, waived on spends of ₹1,00,000 a year
- Network: Mastercard
- Rewards paid as: Cashback to your statement
- Lounge visits: 4 a year
- Foreign currency markup: 3.5%
- Typical minimum income: ₹35,000 a month
- Details last checked: 2026-10-23

## Rewards

| Where you spend | Back | Monthly limit |
|---|---|---|
| 10 partner apps | 5% | ₹1,000 |
| Everything else | 1% | |

No rewards on: fuel, rent, upi.

## How to get the most from it

1. 5% on Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber and more, up to ₹1,000 cashback a month.
2. Once you hit the cap, move partner spends to another card for the rest of the month.
3. Spend ₹1 lakh a year and the annual fee is reversed.
4. Lounge access is tied to quarterly spend, so check the condition before you fly.

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Source: CreditSelect (https://creditselect.in). Banks change terms often; confirm on HDFC's website before applying.