HDFC Bank Millennia Credit Card Review

Millennia Credit card comes with great cashback offers specially for online spending. On Purchasing anything online through PayZapp App or Smartybuy you get a whopping 5% cashback , 2.5% cashback on online spends of Rs., 2000 or more and maximum cashback upto Rs. 750 a month and 1% on all offline spends of Rs. 100 or more.

Signup Fee

You have to pay a Sign up of Rs. 1000/- and in return you get 1000 Cashback points worth Rs.1000/-. If you spend 30,000/- or more in the first 90 days since card issuance, the sign up fee is waived off.

Renewal Fee

The card comes with a renewal fee of Rs. 1000/- and you get 1000 Cashbck points worth Rs. 1000 on paying the renewal fee. If you spend more than 100,000/- (8333/- per month on average) in the first year, your fee is waived off and you get to keep the 1000 cashback points.


Millenia Credit Card comes with a generous 5% cashback on all online spends via Payzapp and smartbuy. Payzapp is available as a payment method on a number of online stores specially amazon, flipkart, tata cliq, Myntra and Jabong. The 5% is only applicable on spends of Rs. 2000 or more.

If you don’t sign up for Payzapp or Smartbuy, you still get 2.5% cashback on all online purchases on spends of Rs. 2000 or more and upto a maximum cashback of Rs. 750 in a calendar month.

For all offline spends you get 1% cashback. Except fuel.


High Cash Back value

Millenia comes with really high cash back rewards in comparison to other cards like SBI Simply click which offers a 2.5% savings on select partners including amazon, cleartrip and and 1.25% on all online spends and 0.25% on all offline spends.

Lounge Access

You can access Mastercard or Visa or Diner’s Lounge’s in India upto 8 times annually.


Cashback only on spends of 2000/ or more.

5% in case of payzapp and smartbuy and 2.5% on payzapp cashback is only applicable on spends of Rs. 2000 or more. So if you are looking to buy a single t shirt or order a cosmetic, you would have to wait and order them in one single spend.

High annual fee

The card comes with an annual fee of Rs. 1000/- per annum which gets waived off on spends of Rs. 100,000 or more. In comparison SBI Simply Click comes with an annual fee of Rs. 499.

Low benefits on offline spends.

Yes Bank Prosperity Plus offers cashback of Rs. 5% on movie, groceries, departmental store purchases, in comparison to only 1% on HDFC Millenia. So, if you are looking to spend offline

Our Verdict

Millenia Credit Card is a great credit for anyone who does a lot of online shopping. you save 2.5% on all online spends and 5% on online spends via payzapp and Smartbuy. This is almost double of what SBI Simply Click offers, so all in all there’s no beating the cashback offered by HDFC Milliennia Credit Card on online spends.

Cashback is only valid of spends of Rs. 2000 or more in a single transaction, which could be very high and specially in the age of lightening deals, you could either miss out on the deal of cashback.

If you aren’t looking to do all your shopping online, then Millienia credit card offers1% cash back on all spends of Rs. 100 or more. Which in comparison to Yes Bank Prosperity Cashback credit card is not enough. With Prosperity edge you get a 5% cashback on all movies, grocery, utility bills departmental store purchases.

On the plus this card comes with 8 Domestic lounge access annually. Which no other card in it’s category offers.

All in all a great card for online purchases with an unbeatable cashback with the only downside being the applicability of cashback on transactions of Rs. 2000 or more.

If you don’t know what is payzapp and smartbuy, in a few words, payzapp is a mobile wallet like paytm and phonepe. You can make payments via QR code and BHIM/UPI. It is not limited to HDFC Bank customers. Anyone can sign up on Payzapp.

Smartbuy is a lot of things. It’s a flight booking engine, Hotel booking engine and comparison engine, where you can select a product and see the prices on flipkart, amazon and tatacliq amongst others and click and buy the product and HDFC gets the affiliate commission, in case you were wondering, why HDFC was being so kind.

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