HDFC Bank Millennia Credit Card
HDFC Bank · Entry · cashback card
Annual / renewal fee
₹1,000 + applicable taxes annual membership fee.
VerifiedHDFC Bank Millennia Credit Card product page27 Jul 2026, 1:12 AM ISTHDFC Bank
Earn rate
- 5% CashBack on Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, Uber, BookMyShow, Sony LIV and Cult.fit.
- 1% CashBack on all other spends.
- Up to 10% CashBack across 200+ brands via SmartBuy / PayZapp Shop.
VerifiedHDFC Bank - Millennia Credit Card product page26 Jul 2026, 1:51 AM ISTHDFC Bank
COFFER may earn a fee when you apply through this link. Facts are never affected. Learn more.
You'll land on the issuer's official application portal at linksredirect.com — if a different card is shown first, use its card selector to pick this one.
COFFER may earn a fee when you apply through this link. Facts are never affected. Learn more.
You'll land on the issuer's official application portal at linksredirect.com — if a different card is shown first, use its card selector to pick this one.
Overview
India's most widely held cashback card: 5% back on ten big online brands (Amazon, Flipkart, Swiggy, Zomato, Uber and more). The headline rate is real — but monthly caps and a growing exclusion list decide whether it's actually worth it for you.
Best for
- Online-first spenders whose monthly spends on the ten brands sit near ₹20,000.
- First-card users wanting simple cashback with an easily-waived fee.
- Anyone pairing it with a travel card — Millennia covers the online-brand bucket.
Official source not yet captured
Not ideal for
Heavy spenders who blow past the ₹1,000/month caps, anyone expecting lounge access without the quarterly milestone, and miles collectors — there are no transfer partners and airmile redemption craters to ₹0.30/point.
Official source not yet captured
Fees
Joining fee
₹1,000 + applicable taxes (First Year Membership Fee).
VerifiedHDFC Bank Millennia Credit Card product page27 Jul 2026, 1:12 AM ISTHDFC Bank
Annual / renewal fee
₹1,000 + applicable taxes annual membership fee.
VerifiedHDFC Bank Millennia Credit Card product page27 Jul 2026, 1:12 AM ISTHDFC Bank
Fee waiver
Renewal fee waived on spending ₹1,00,000 or more in the preceding 12 months before renewal date.
VerifiedHDFC Bank Millennia Credit Card product page27 Jul 2026, 1:12 AM ISTHDFC Bank
Renewal fee
₹1,000 + applicable taxes (Renewal Membership Fee).
VerifiedHDFC Bank Millennia Credit Card product page27 Jul 2026, 1:12 AM ISTHDFC Bank
Rewards
- 5% CashBack on Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, Uber, BookMyShow, Sony LIV and Cult.fit.
- 1% CashBack on all other spends.
- Up to 10% CashBack across 200+ brands via SmartBuy / PayZapp Shop.
VerifiedHDFC Bank - Millennia Credit Card product page26 Jul 2026, 1:51 AM IST
Plain math
₹20,000/month on the ten brands hits the full ₹1,000 monthly cap — ₹12,000 a year, plus up to ₹4,000 in quarterly vouchers, against a fee most users get waived. Spending more on those brands earns nothing extra.
Redemption value
- 1 CashPoint = ₹1 as statement credit.
- On SmartBuy flight and hotel bookings, airmiles and the rewards catalogue, 1 CashPoint = ₹0.30.
- Unredeemed points expire after 2 years.
VerifiedHDFC Bank - Millennia Credit Card product page26 Jul 2026, 1:51 AM ISTHDFC Bank
Reward cap
- Accelerated cashback is capped at 1,000 CashPoints per calendar month on the 5% online-brand spends, plus a further 1,000 CashPoints per calendar month on the 1% other-spends category.
- Cashback redemption against the statement is capped at 3,000 CashPoints per calendar month (minimum 500 points).
- Flight and hotel bookings can be paid up to 50% with points, capped at 50,000 points per month.
- Up to 70% of select products/vouchers can be paid with points.
VerifiedHDFC Bank - Millennia Terms and Conditions (published 25 Apr 2025)26 Jul 2026, 1:51 AM ISTHDFC Bank
Reward exclusion
Wallet loading, Easy EMI and education payments earn no Reward Points (effective 1 September 2024).
VerifiedHDFC Bank - Millennia Credit Card product page26 Jul 2026, 1:51 AM ISTHDFC Bank
Travel & lounge
Lounge access
1 domestic airport lounge visit per calendar quarter, unlocked on ₹1,00,000 of spend in that quarter (taken in place of the ₹1,000 milestone voucher).
VerifiedHDFC Bank - Millennia Credit Card product page26 Jul 2026, 1:51 AM ISTHDFC Bank
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
Reward Points equal to the membership fee paid - 1,000 CashPoints (₹1,000) - credited on payment of the joining fee.
VerifiedHDFC Bank - Millennia Credit Card product page26 Jul 2026, 1:51 AM ISTHDFC Bank
Golf
Standard golf benefits where applicable.
Official source not yet captured
Dining
Curated dining program.
Official source not yet captured
Insurance
Travel + purchase insurance.
Official source not yet captured
Airline
8 domestic lounge visits/yr (2/qtr).
Official source not yet captured
Milestones
₹1K voucher on ₹1L/qtr.
Official source not yet captured
Dining benefit
10% additional discount on Swiggy Dineout using coupon code HDFCCARDS.
VerifiedHDFC Bank - Millennia Credit Card product page26 Jul 2026, 1:51 AM ISTHDFC Bank
Milestone benefit
On spends of ₹1,00,000 or more in a calendar quarter, get a ₹1,000 gift voucher (or choose 1 domestic airport lounge access instead).
VerifiedHDFC Bank - Millennia Credit Card product page26 Jul 2026, 1:51 AM ISTHDFC Bank
Eligibility
Eligibility
- Salaried: Indian national, age 21-40, net monthly income above ₹35,000.
- Self-employed: Indian national, age 21-40, annual ITR above ₹6 lakh.
VerifiedHDFC Bank - Millennia Credit Card product page26 Jul 2026, 1:51 AM ISTHDFC Bank
Charges & interest
Forex markup
3.50% of the transaction value.
VerifiedHDFC Bank - Key Fact Statement (updated 15 Dec 2025)26 Jul 2026, 1:51 AM ISTHDFC Bank
Charge
- Finance charge 3.75% per month (45% per annum) on revolving balances and cash advances.
- Cash advance fee 2.5% of the amount or ₹500, whichever is higher.
- Dynamic currency conversion markup 1% on rupee transactions made at international locations or at India-registered overseas merchants. 1% fuel surcharge waiver on fuel transactions of ₹400 to ₹5,000, capped at ₹250 per statement cycle.
- A 1% fee (capped at ₹4,999) applies to rent payments, fuel spends above ₹15,000, utility spends above ₹50,000 per month, and education payments via third-party apps.
- Cashback redemption against the statement carries a ₹50 fee.
- Reward-catalogue redemption carries a ₹99 + taxes fee.
VerifiedHDFC Bank - Key Fact Statement (updated 15 Dec 2025)26 Jul 2026, 1:51 AM ISTHDFC Bank
Interest-free period
Up to 50 days from the date of purchase.
VerifiedHDFC Bank - Millennia Credit Card product page26 Jul 2026, 1:51 AM ISTHDFC Bank
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the HDFC Bank Millennia Credit Card?
Officially traced: Rs. 1,000 + applicable taxes annual membership fee.
HDFC Bank Millennia Credit Card product pageWhat is the joining fee on the HDFC Bank Millennia Credit Card?
Officially traced: Rs. 1,000 + applicable taxes (First Year Membership Fee).
HDFC Bank Millennia Credit Card product pageIs the HDFC Bank Millennia Credit Card annual fee ever waived?
Renewal fee waived on spending Rs. 1,00,000 or more in the preceding 12 months before renewal date.
HDFC Bank Millennia Credit Card product pageHow does the HDFC Bank Millennia Credit Card earn rewards?
5% CashBack on Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, Uber, BookMyShow, Sony LIV and Cult.fit.
HDFC Bank - Millennia Credit Card product pageWhat lounge access does the HDFC Bank Millennia Credit Card include?
1 domestic airport lounge visit per calendar quarter, unlocked on ₹1,00,000 of spend in that quarter (taken in place of the ₹1,000 milestone voucher).
HDFC Bank - Millennia Credit Card product pageWhat welcome benefit does the HDFC Bank Millennia Credit Card offer?
Reward Points equal to the membership fee paid - 1,000 CashPoints (₹1,000) - credited on payment of the joining fee.
HDFC Bank - Millennia Credit Card product pageWhat are the transfer ratios for HDFC Bank Millennia Credit Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.hdfcbank.com/personal/pay/cards/credit-cards/millennia-credit-card.
VerifiedHDFC Bank Millennia Credit Card product page27 Jul 2026, 1:12 AM ISTHDFC Bank
Verified 2026-07-26 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.