HDFC Best Cashback Credit Card in 2024

When it comes to maximizing savings on everyday expenses, cashback credit cards are an excellent choice. HDFC Bank offers a range of credit cards, but one stands out as the best cashback credit card in 2024. In this blog, we will explore the features, benefits, and eligibility criteria of HDFC’s best cashback credit card, providing you with a comprehensive guide to make an informed decision.

HDFC Best Cashback Credit Card

Introducing HDFC Best Cashback Credit Card

HDFC Millennia Credit Card

The HDFC Millennia Credit Card is widely regarded as the best cashback credit card offered by HDFC Bank in 2024. This card is designed to cater to the needs of millennials and young professionals who prefer earning cashback on their everyday transactions. With its attractive cashback rates and additional benefits, the HDFC Millennia Credit Card provides exceptional value.

Key Features

  • Cashback on Online Spends: Up to 5% cashback on online transactions.
  • Cashback on Other Spends: 1% cashback on all other retail transactions.
  • Milestone Benefits: Additional cashback on achieving spending milestones.
  • Welcome Benefits: Attractive welcome offers and rewards.
  • Dining Privileges: Discounts and offers at partner restaurants.
  • Fuel Surcharge Waiver: 1% waiver on fuel transactions.

Cashback Benefits

The primary attraction of the HDFC Millennia Credit Card is its generous cashback program. Cardholders can earn up to 5% cashback on online transactions, making it an ideal choice for those who frequently shop online. This includes purchases on popular e-commerce websites, online food delivery, and travel bookings. Additionally, cardholders earn 1% cashback on all other retail transactions, ensuring that every spend contributes to your savings.

Milestone Benefits

To further enhance its appeal, the HDFC Millennia Credit Card offers milestone benefits. Cardholders can earn additional cashback by reaching specific spending thresholds within a given period. These milestone rewards encourage users to use their cards more frequently and maximize their cashback earnings. This feature is particularly beneficial for those who have substantial monthly expenses, as it provides significant savings over time.

Welcome Benefits

New cardholders are greeted with attractive welcome benefits. Upon paying the first-year fee and making an initial purchase, cardholders receive welcome rewards in the form of bonus cashback or reward points. These welcome benefits provide immediate value and set the tone for a rewarding experience with the HDFC Millennia Credit Card.

Dining Privileges

Food enthusiasts will appreciate the dining privileges that come with the HDFC Millennia Credit Card. Cardholders can enjoy discounts and special offers at partner restaurants across India. These dining benefits ensure that every meal is not only delightful but also cost-effective, making dining out a more enjoyable experience.

Fuel Surcharge Waiver

Another practical benefit of the HDFC Millennia Credit Card is the 1% fuel surcharge waiver on transactions at fuel stations across India. This waiver is applicable on fuel purchases ranging from INR 400 to INR 5000, making it a useful feature for those who frequently use their card for refueling. It adds to the overall savings and convenience offered by the card.

Eligibility Criteria

To apply for the HDFC Millennia Credit Card, applicants need to meet certain eligibility criteria. These include:

Age and Income

  • Age: The primary cardholder should be between 21 to 60 years old. Add-on cardholders should be over 18 years old.
  • Income: Salaried applicants need a minimum annual income of INR 3 lakh, while self-employed applicants should have a minimum annual income of INR 4 lakh.

Credit Score

A good credit score is essential for eligibility. HDFC Bank typically requires a credit score of 700 or above for the HDFC Millennia Credit Card. Applicants with a lower credit score may find it challenging to get approval.


Applicants need to submit the following documents:

  • Proof of Identity: PAN card, passport, Aadhaar card, or voter ID.
  • Proof of Address: Passport, utility bills, or Aadhaar card.
  • Proof of Income: Latest salary slips, bank statements, or IT returns.

How to Apply

Applying for the HDFC Millennia Credit Card is straightforward. Prospective applicants can apply online through the HDFC Bank website or visit the nearest HDFC Bank branch. The online application process is quick and user-friendly, requiring the submission of necessary documents and personal details. Upon approval, the card is typically dispatched within a few working days.

Tips for Maximizing Cashback

Plan Your Spending

To make the most of your HDFC Millennia Credit Card, plan your spending to take full advantage of the cashback rates. Prioritize online transactions and high-value purchases to maximize your cashback earnings.

Utilize Milestone Benefits

Keep track of your spending and aim to reach the milestone thresholds to earn additional cashback. This can significantly enhance your overall savings.

Pay Your Bills on Time

To avoid interest charges and maintain a good credit score, always pay your credit card bills on time. This ensures that you fully benefit from the cashback earned without incurring extra costs.

Monitor Offers and Discounts

Stay updated on the latest offers and discounts available to HDFC Millennia Credit Card holders. Regularly check the HDFC Bank website or mobile app for new promotions and exclusive deals.

Also Read: Citibank Cash Back+ Credit Card: MoneySmart Review 2024


The HDFC Millennia Credit Card stands out as the best cashback credit card in 2024 due to its attractive cashback rates, milestone benefits, and additional privileges. Whether you are a frequent online shopper, a dining enthusiast, or someone looking to maximize savings on everyday expenses, this card offers exceptional value. With its comprehensive features and easy eligibility criteria, the HDFC Millennia Credit Card is a smart choice for those seeking to enhance their financial well-being. Apply today and start enjoying the numerous benefits it offers.

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