Synopsis: HDFC Millennia Credit Card is a top choice for Millennials and Gen Z, offering huge cashback rewards on everyday spends and online shopping. This article compares it with leading competitors to reveal why it stands out as the best cashback card for young spenders.
The HDFC Millennia Credit Card is the right choice in case you are a millennial or a gen Z online shopper who orders food via delivery and enjoys convenience. We will compare it to its leading competitors and see why it is the most suitable among them.
Who Is This Card For?
The Millennia card is targeted at youthful professionals that live online. As much as you are buying on Amazon, ordering on Swiggy, hailing on Uber, and watching the new movie on BookMyShow, this card will reward you with real cashback. It is easy and simple, and lifestyle specific.
Comparison with Other Cards
| Feature | HDFC Millennia | Amazon Pay ICICI | Flipkart Axis | SBI Unnati |
| 5% cashback on | Amazon, Flipkart, Swiggy , Uber and more | Amazon Prime & others | Flipkart, Myntra | N/A |
| Annual Fee | ₹1,000 (waived on ₹ 1L yearly spend) | Free (conditions apply) | ₹500 (waived in ₹1L yearly spend) | ₹ 499 (NIl for first 4 years0 |
| Cashback Type | CashPoints (₹1 = 1 point for statement credit) | Amazon Pay Balance | Cashback & reward points | Reward points only |
| Dining & Fuel Perks | 10%swiggy dinout discounts, 1% fuel waiver | Amazon Prime benefits | Fuel surcharge Waiver | fuel Surcharge waiver |
| Lounge Access | yes (on ₹1L quarterly spend) | No | No | No |
Why HDFC Millennia Wins
- Expanded 5% Cashback Partners: Unlike this “stuck to Amazon or Flipkart,” Millennia will cover all your top apps (Swiggy, Uber, BookMyShow, etc.) that you likely spend money on every week.
- Flexible and Real Cashback: You earn CashPoints that are based on taking a direct cut off the credit card bill. No muddled conversions and closed ecosystems such as Amazon Pay balance. Just cashback you can use.
- Additional Benefits to Your Lifestyle: Swiggy Dineout 10% discount and fuel surcharge waiver. Besides, when you spend wisely, you can enjoy lounge access at the airports as you travel.
- Balanced Annual Fee: ₹1,000 fee will be reasonable with the cashback and benefits and an exemption when spending ₹1,000,000 a year, which many millennials can achieve.
- Designed to fit your lifestyle: It is the card that rewards online shopping, food delivery, ride-hailing and entertainment.
Also read: 7 Best FD-Backed Credit Cards in India (2025): Easy Approval & Top Rewards
Tips for Millennials and Gen Z
- Apply it primarily to applications that provide 5% cashback to save the most money.
- Continue using your card to get annual free and quarterly vouchers.
- CashPoints are redeemed regularly so as to maintain the benefits.
- Also remember to use fuel surcharge waiver whenever filling up gas.
Final Verdict
The HDFC Millennia Credit Card is better than most of its competitors because it has a broader cashback network, straightforward rewards, and valuable perks, which means that you get a cashback credit card that actually knows how you spend. It is geared towards millennials and Gen Z who desire the no-frills value without the bells and whistles.
Written by Jayanth R Pai