HDFC Millennia Credit Card 2025 - 2.5% Cashback on Online Shopping | Apply Online
Best cashback card for young professionals and online shopping
Annual Fee
₹1,000 + GST
Welcome Bonus
₹1,000 Cashback
Online Cashback
5% Cashback
Key Features & Benefits
5% Cashback Online
Earn 5% cashback on online spends (up to ₹1,000 per month)
2.5% on Wallet Loads
Get 2.5% cashback on wallet loads and UPI transactions
1% on All Spends
Earn 1% cashback on all other purchases and transactions
Welcome Cashback
Get ₹1,000 cashback as welcome bonus on first purchase
Movie & Dining
Special discounts on movie tickets and dining experiences
Fraud Protection
Advanced security features and fraud monitoring system
Cashback Structure
| Category | Cashback Rate | Monthly Cap |
|---|---|---|
| Online Shopping | 5% | ₹1,000 |
| PayZapp, UPI, Wallet | 2.5% | ₹1,000 |
| Offline Spending | 1% | Unlimited |
| EMI Transactions | 1% | Unlimited |
Cashback Credit: Monthly cashback is credited automatically to your account
Minimum Redemption: No minimum amount required for cashback credit
Fees & Charges
Annual Fee
₹1,000 + GST
Joining Fee
₹1,000 + GST
Fee Waiver
On ₹1,00,000 annual spends
Interest Rate
3.35% per month
Cash Advance Fee
2.5% (Min ₹500)
Foreign Currency Markup
3.5%
Eligibility Criteria
Requirements
- Age: 21-60 years
- Minimum Income: ₹25,000 per month (Salaried)
- Minimum Income: ₹3,00,000 per annum (Self-employed)
- Credit Score: 700+ (preferred)
- Good credit history
- Stable employment/business
Required Documents
- Identity Proof (Aadhaar/PAN/Passport)
- Address Proof (recent utility bill)
- Income Proof (Latest 3 salary slips)
- Bank Statements (3-6 months)
- Form 16/ITR (last 1-2 years)
- Employment verification letter
Pros & Cons
✅ Pros
- Excellent 5% cashback on online shopping
- Good welcome cashback offer
- Low annual fee with easy waiver
- Direct cashback (no points conversion)
- Wide online merchant acceptance
- Easy application process
- Good customer service
❌ Cons
- Monthly cashback cap of ₹1,000
- Lower offline cashback rate
- No airport lounge access
- Limited premium benefits
- Higher income requirement for premium features
- Foreign currency markup charges
Apply for HDFC Millennia Credit Card
Why Choose This Card?
- ✅ Best for online shoppers
- ✅ Direct cashback system
- ✅ Low fee with easy waiver
- ✅ Instant approval possible
- ✅ HDFC bank reliability
We may earn a commission from qualifying purchases.
Ready to Apply?
Get instant approval and start earning cashback today!