Top Credit Cards for Millennials in India

Introduction

Millennials demand convenience, flexibility, and value. Credit cards for millennials are designed to complement their lifestyle, offering perks like cashback on online shopping, OTT subscriptions, and dining rewards.

If you’re interested in other types of credit cards, check out the Top Credit Cards in India for 2024 for more options.

Top Credit Cards for Millennials

1. Flipkart Axis Bank Credit Card
   • Annual Fee: ?500 (waived on spending ?2 lakh annually).
   • Key Features:
     • 5% cashback on Flipkart and Myntra.
     • 4% cashback on preferred merchants like Swiggy, Uber, and PVR.
     • 1.5% cashback on all other spends.
   • Why Choose?: A must-have for avid online shoppers.
   • Apply Now

2. HDFC Millennia Credit Card
   • Annual Fee: ?1,000 (waived on spending ?1 lakh annually).
   • Key Features:
     • 5% cashback on Amazon, Flipkart, and other major merchants.
     • Complimentary lounge access (4 times per year).
     • Rewards redeemable for statement credit.
   • Why Choose?: Ideal for digital-first millennials with diverse spending habits.
   • Apply Now

3. SBI SimplyCLICK Credit Card
   • Annual Fee: ?499 (waived on spending ?1 lakh annually).
   • Key Features:
     • 10x reward points on partner merchants like Amazon and BookMyShow.
     • 1% fuel surcharge waiver.
     • Exclusive online shopping deals.
   • Why Choose?: Great for online shopping and fuel savings.
   • Apply Now

Benefits of Millennial Credit Cards

1. Lifestyle Rewards:

   • Cashback and discounts on food delivery platforms like Swiggy.
   • OTT subscriptions benefits for Netflix, Amazon Prime, and more.

2. Online Shopping Perks:

   • Higher reward points and cashback for purchases on platforms like Flipkart and Myntra.

3. Low Annual Fees:

   • Most millennial cards waive fees based on achievable spending thresholds.

4. Travel Benefits:

   • Complimentary airport lounge access for frequent travelers.

5. Fuel Surcharge Waiver:

   • Cost savings on fuel transactions at partnered stations.

FAQs for Millennial Credit Cards

1. Which credit card is best for online shopping?
   The Flipkart Axis Bank Credit Card and HDFC Millennia Credit Card are top choices.
2. Do millennial cards offer OTT benefits?
   Yes, some cards like HDFC Millennia provide cashback on OTT subscriptions like Netflix and Amazon Prime.
3. Are there any millennial cards with low fees?
   The SBI SimplyCLICK Credit Card offers low fees with excellent rewards.
4. What is the approval process for millennial credit cards?
   Approval depends on your income, credit score, and eligibility criteria.
5. Can students apply for millennial credit cards?
   Students may need a secured card unless they meet the income criteria.