HSBC
Data verifiedHSBC Live+ Credit Card
10% accelerated cashback on food, groceries and quick commerce, capped monthly.
10% on dining & groceriesLounge access
Annual fee
₹999 + GST
HDFC Bank · Visa / Mastercard
HDFC Bank Millennia
5% cashback across ten popular online brands with a fee most users waive on spend.
Our verdict
A strong second card for a salaried user who already has a no-fee card and wants a higher rate on food delivery and marketplaces.
What works
- 5% cashback on Amazon, Flipkart, Swiggy, Zomato, Myntra, Uber, BookMyShow and more.
- Annual fee waives at ₹1L spend, which most users cross without trying.
- Quarterly lounge access at domestic airports on ₹1L quarterly spend.
Watch-outs
- Cashback is capped at ₹1,000 per calendar month on the 5% categories.
- Points-to-cash conversion needs a minimum balance, so small rewards sit idle.
- 1% base rate is unremarkable for offline spend.
Eligibility snapshot
Typical income
₹35,000+ / month (salaried)
Credit score
730+
Age
21–60 years
Underwriting is decided by the issuer and is often stricter than the advertised minimums. An existing relationship with the bank materially improves your odds.
Also worth comparing for everyday online spend
SBI Card
Top pickSBI Cashback Card
5% cashback on almost every online merchant with no category list to memorise.
5% online, 1% offline
Annual fee
₹999 + GST
ICICI Bank
Best valueAmazon Pay ICICI Credit Card
Lifetime-free card with 5% back for Prime members — the default first card for online shoppers.
5% on Amazon (Prime)
Annual fee
Lifetime free
Ready to apply for the HDFC Bank Millennia?
Takes under a minute. We hand you off to HDFC Bank's official secure application — no middlemen, no data resold.