Card catalog
HDFC Bank
Millennia
•••• 4421
HDFC Bank

Millennia

Approximate, being verifiedVisa
₹1,000
annual fee
2.67%
base reward rate
700+
min. credit score

Rewards

6 rules
Amazon, Flipkart, Myntra, Swiggy, Zomato, BookMyShow, cult fit, tata cliq, Uber, sonyliv
cashback · not on UPI · excl. rent, fuel, wallet load, tax, emi, govt
5%
cap: ₹1,000/mo
~82%
cashback · not on UPI
20%
cap: none
~82%
cashback · not on UPI
1%
cap: ₹500/mo
~82%
reward points · not on UPI
2%
cap: ₹2,000/mo
~82%
cashback · not on UPI
5%
cap: ₹500/mo
~82%
Everything else
reward points · base rate · not on UPI · excl. emi, petrol, wallet
2.67%
cap: ₹25,000/mo
~82%

Best uses

7 merchants, 5 categories

Where this card has a reward rule beyond the base rate. Tap a pill to see how it ranks against every other card we track at that merchant or category.

Who it's for

Minimum income
₹35,000/month
Minimum credit score
700+
Best for
Online shopping

Reward rules shown are approximate while our team finishes verifying them against issuer MITC documents. We use conservative values, you should still see more rewards than we promise. Always confirm the latest rules in your bank app before relying on a recommendation.

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