Key facts
- Joining fee
- ₹1,000
- Annual fee
- ₹1,000, waived if you spent ₹1 lakh in the year before renewal
- Welcome benefit
- 1,000 CashPoints once the joining fee is paid
- 5% CashBack
- On Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato, capped at 1,000 CashPoints a month across all ten
- Other spends
- 1% CashBack, capped at 1,000 CashPoints a month
- Redeeming
- 1 CashPoint = ₹1 against your statement, minimum 500 and maximum 3,000 a month, with a ₹50 fee per redemption. Points expire after 2 years.
- No CashBack on
- Fuel, rent, government payments, EMI, cash, wallet loads and gift card or voucher purchases (including Amazon Pay balance top-ups)
- Lounge access
- No free visits. Spend ₹1 lakh in a calendar quarter to choose a ₹1,000 voucher or one domestic lounge visit.
- Fuel
- 1% surcharge waiver on ₹400–₹5,000 transactions, up to ₹250 a cycle
- Forex markup
- 3.5% + GST
- Eligibility
- Age 21–40. Salaried with net income above ₹35,000 a month, or self-employed with ITR above ₹6 lakh.
Checked against HDFC Millennia page, Millennia T&C (20 Jul 2026), HDFC KFS and MITC on 28 Oct 2026. Fees exclude 18% GST.
Good
- 5% across ten popular apps, not just one store
- Fee waived at a reachable ₹1 lakh a year
- Points redeem against your statement at ₹1 each
Watch out
- 5% shared cap of 1,000 points a month across all partners
- ₹50 fee every time you redeem
- Booking partners through SmartBuy or PayZapp earns only 1%
- Upper age limit of 40
What it's worth
₹20,000 a month across the ten partners earns the full 1,000 CashPoints, worth ₹1,000 against your statement. Redeem in larger batches (up to 3,000 at a time) so the ₹50 fee costs you less. Over a year that's up to ₹12,000 from partner spending, plus 1% on the rest.
The catch
The 5% cap is shared, not per merchant. Go through HDFC's SmartBuy or PayZapp and the same merchants earn only 1%. Wallet loads and gift cards, including Amazon Pay balance top-ups, never earn the 5%.
Who it suits
Under-40s whose online spending is split between Amazon, Flipkart, Myntra and food delivery. If almost all of it is Amazon, the Amazon Pay ICICI card earns the same 5% with no cap and no fee.
Applying
After the online form, most banks ask for a short video KYC call. Keep your original PAN card, a white sheet of paper and a pen ready. Here's how to get through it first time, and how to resume if you stopped midway.