HDFC Bank Millennia Credit Card

Annual feeJoining fee

₹1,000 + GST

Fee waiver rule

Fee waived if you spend ₹1,00,000.

Add-on card fee

₹0

Welcome benefit

Welcome Benefit of 1000 CashPoints will be given to the cardholder if the joining membership fee is paid.

Reward rate

1% cashback · everyday spends1% CashBack on other Spends.

EMI spend earning

CashPoints not eligible on all EMI transactions (even if preclosed), including Smart EMI / Dial an EMI transaction

Fuel earning

1% cashback on all other spends excluding Fuel, Wallet, EMI, govt, rental transactions

Government spend earning

Rent payments and Government related transactions will NOT earn Reward Points.

Groceries earning

Amazon Grocery purchase earns 5% Reward Points.

Online earning

5% CashBack on the 10 online merchants (Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber & Zomato), valid only for non-emi spends; a transaction through SmartBuy/PayZapp is eligible for 1% CashPoints as per product feature

Rent earning

Rent payments will not earn Reward Points/CashPoints.

Reward earning on dining spends

Restaurant bill payment earns 1% Reward Points.

Travel earning

5% CashPoints on Uber travel/commute spends (only Uber transactions under MCC 4121 count)

Wallet load earning

Wallet loading will NOT earn Reward Points (effective 1st September 2024)

Reward exclusions

CashPoints not eligible on: Fuel Spends, Rent payments and Govt Related transactions, Cash Advances, Payment of Outstanding Balances, Payment of card fees and other charges, All EMI transactions (even if preclosed) including Smart EMI / Dial an EMI transaction

Reward caps

Up to 1,000 CashPoints in a calendar month under the 5% CashBack on 10 online merchants; up to 1,000 CashPoints in a calendar month under the 1% CashBack on other spends

Award examples

Example: Flipkart purchase of ₹4,000 at 5% earns 200 Reward Points.

What one reward unit is worth

1 Reward Point = ₹1 cashback against statement balance; ₹0.30 on SmartBuy flights and hotels; ₹0.30 as Airmiles; upto 0.30 in the rewards catalogue

Cashback redemption

CashBack is in Reward Points and is redeemable against the statement balance upon request; Reward Points redemption for CashBack redemption are capped per calendar month to 3,000 Rewards Points.

Catalogue redemption

Rewards catalogue = upto 0.30

Flight redemption

Reward points redemption for flights & hotels bookings are capped per calendar month at 50,000.

Hotel redemption

Flight and hotel bookings are capped at 50% with Reward Points.

Points transfer redemption

Airmiles = ₹0.30

Redeeming points for travel

On SmartBuy - Flight and Hotel bookings = ₹0.30.

Statement-credit redemption

CashBack (as against statement balance) = ₹1.

Voucher and product redemption

Cardmembers can redeem upto 70% of product/Voucher value through Reward points on select vouchers/products and pay the remaining amount via Credit card

Point expiry

Unredeemed Reward Points expire/lapse after 2 years.

Smallest number of points that can be redeemed

A minimum of 500 Reward Points are required for statement balance redemption

Utilities earning

The bank's documents don't say.Checked 18 Oct 2026

Insurance spend earning

The bank's documents don't say.Checked 18 Oct 2026

Airline and hotel partners points may move to

The bank's documents don't say.Checked 18 Oct 2026

Reward earning on international spends

The bank's documents don't say.Checked 18 Oct 2026

Domestic lounge access

Domestic lounge access via vouchers on meeting spends criteria.

Dining programme

10% additional discount on Swiggy Dineout using coupon code HDFCCARDS.

Milestone benefits

Get either ₹1,000 worth gift voucher or 1 domestic lounge access on spends of ₹1,00,000 and above in each calendar quarter.

Retention or continued-access criteria

The card account is closed by the Bank if the card is not used for a continuous period of 1 year and the cardholder does not start using it within 30 days of the Bank's notice

Minimum spend rules

Transactions below ₹100 will not earn CashPoints (earned in multiples of ₹100)

Renewal benefit

The bank's documents don't say.Checked 18 Oct 2026

International lounge access

The bank's documents don't say.Checked 18 Oct 2026

Golf

The bank's documents don't say.Checked 18 Oct 2026

Concierge

The bank's documents don't say.Checked 18 Oct 2026

Hotel or travel programme

The bank's documents don't say.Checked 18 Oct 2026

Movies and entertainment

The bank's documents don't say.Checked 18 Oct 2026

Priority Pass

The bank's documents don't say.Checked 18 Oct 2026

Movie or entertainment ticket benefit

The bank's documents don't say.Checked 18 Oct 2026

Membership tiers and what unlocks them

The bank's documents don't say.Checked 18 Oct 2026

Benefit given each anniversary year

The bank's documents don't say.Checked 18 Oct 2026

Fuel surcharge waiver

1% fuel surcharge waiver at all fuel stations across India (on minimum transaction of ₹400 & maximum transaction of ₹5,000. Maximum waiver of ₹250 per statement cycle)

Surcharge on railway tickets

1% of the transaction amount + GST will be charged on Railway Ticket Purchases (applicable for all cards other than IRCTC)

Lost card liability

Cardmember is wholly liable for all transactions prior to reporting of loss of the card; after the receipt of proper notification of the loss by the bank, the Cardmember's subsequent liability is zero.

Balance transfer terms

Balance Transfer Processing Charges: 1% of BT amount or ₹250, whichever is higher.

Purchase to EMI conversion

Smart EMI: option to convert big spends into EMI after purchase.

Air accident cover

The bank's documents don't say.Checked 18 Oct 2026

Purchase protection

The bank's documents don't say.Checked 18 Oct 2026

Travel insurance

The bank's documents don't say.Checked 18 Oct 2026

What must be paid with the card for the cover to apply

The bank's documents don't say.Checked 18 Oct 2026

Credit shield cover

The bank's documents don't say.Checked 18 Oct 2026

Medical and hospitalisation cover

The bank's documents don't say.Checked 18 Oct 2026

Add-on card eligibility

The bank's documents don't say.Checked 18 Oct 2026

Forex markup

3.5% on foreign currency transactions.3.50% of transaction value

Dynamic currency conversion markup

Markup fee of 1.75% on all transactions carried out in Indian Currency at an international location or at merchants which are located in India but registered overseas (with effect from 15th May 2026)

Cash advance fee

A transaction fee of 2.5% or ₹500 whichever is higher would be levied on the amount withdrawn and would be billed to the Cardmember in the next statement.

Cash advance interest

Finance charges on cash advances: 3.75% monthly and 45.0% annually (excluding GST)

Cash withdrawal limit

Cash withdrawal limit: 40% of the Credit Limit.

Interest on unpaid balance

3.75% a month (45.0% a year), excluding GST

Interest-free period

Up to 50 days of interest free period from the date of purchase (subject to the submission of the charge by the Merchant)

Late payment fee

₹100 or less: Nil; ₹101 to ₹500: ₹100; ₹501 to ₹1,000: ₹500; ₹1,001 to ₹5,000: ₹600; ₹5,001 to ₹10,000: ₹750; ₹10,001 to ₹25,000: ₹900; ₹25,001 to ₹50,000: ₹1,100; more than ₹50,000: ₹1,300 (excl. GST)

Over-limit fee

2.5% of the overlimit amount subject to minimum of ₹550, basis explicit consent (limit applicable on total outstanding exceeding the Credit limit)

Payment return or dishonour fee

2% of the payment amount, minimum ₹450, for a cheque payment return or an unsuccessful Autopay attempt; when a standing instruction is not fully realised, the charge is on the net payable amount after payment attempts

Statement or duplicate statement fee

Duplicate physical statement charges: ₹10 per duplicate physical statement.

Card replacement fee

₹199 for non-metal cards; ₹3,500 for metal cards.

Cash payment / cash deposit fee

Cash Processing Fee: ₹100 for card payments made by depositing cash at HDFC Bank branches or ATMs; not charged if the latest statement levied a late payment charge.

Charge for lounge visits beyond the free limit

Chargeable basis as per the rates applicable and communicated by the lounge staff.

Education / school fee charge

1% fee on education payments made through third-party apps such as CRED, Nobroker or Cheq, capped at ₹4999 per transaction; no fee on payments made directly on college or school websites or their POS machines, or on international education transactions.

EMI conversion fee

Smart EMI processing fee upto ₹849 (exclusive of GST for all loan amounts), depending on the customer’s eligibility/offer details; EasyEMI processing fee: an EMI processing fee of upto ₹299 for customers availing EMI facility at merchant

Fee on online skill-based gaming spends

1% fee on Online Skill based gaming spends exceeding ₹10,000 in a calendar month, applied on the total gaming spends in the month; fee capped at ₹4999 per month.

Foreign ATM fee

Cash from ATMs in India or abroad: transaction fee of 2.5% or ₹500, whichever is higher, levied on the amount withdrawn and billed in the next statement.

Reward redemption fee

Cashback redemption: ₹50 + GST per redemption request (w.e.f 1st August’24); catalogue redemption: ₹99 + GST per redemption request, charged once per request even when it contains several items

Wallet load charge

Wallet Loading (excl PayZapp): 1% fee on Wallet loading spends exceeding ₹10,000 in a calendar month; fee applied on the total wallet loading spends in a calendar month; fee capped at ₹4999 per month

Fuel transaction fee

1% fee on fuel transactions exceeding ₹15,000 for consumer cards (₹30,000 for business cards), applied on the total transacted amount; fee capped at ₹4999 per transaction.

Rent transaction fee

1% fee on transaction amount will be levied on rental transactions done on any applicable merchant for the month. Fee capped at ₹4999 per transaction.

Utility transaction fee

1% fee on utility spends exceeding ₹50,000 per calendar month for consumer cards (₹75,000 per calendar month for business cards), applied on the total utility spends in a calendar month; fee capped at ₹4999 per month.

GST note

GST is applicable on all Fees, Interest, and other Charges

Grace days after the due date

3 grace days are allowed from the payment due date; late payment charges are levied when the account stays past due for more than 3 days.

Minimum amount due

MAD (WEF June’25) = Total GST + EMI amount + 100% of Fees/Charges + Overlimit Amount (if any) + 5% of (Finance Charge + Retail Spends + Cash Advance) when that 5% is higher than the Finance Charge; otherwise 100% of Finance Charges + 5% of (Retail Spends + Cash Advance)

What the card's fee or benefit year means

The bank's documents don't say.Checked 18 Oct 2026

Fee for paying the bill by cheque

The bank's documents don't say.Checked 19 Oct 2026

Age the primary cardholder must be

Minimum 21 years & Maximum 40 years

Income requirement

Salaried: Net Monthly Income > ₹35,000; Self Employed: ITR > ₹6 Lakh per annum.

Income, salaried

Net Monthly Income > ₹35,000.

Income, self-employed

Self-employed: income ITR > ₹6 Lakh per annum.

Minimum age

Minimum age: 21 years

Documents required

Identity Proof: Passport, Aadhaar card, Voter ID, Driving licence, PAN card, Passport size photographs; Address Proof: Utility bills (electricity, water, gas, or telephone), Rental agreement; Income Proof: Salary slips (for salaried individuals), Income Tax Returns (ITR), Form 16, Bank statements

Residency

Nationality: Indian (salaried applicants)