HDFC Bank Millennia Credit Card
Best for online shoppers who use the partner brands. 5% CashPoints on 10 partner merchants (Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, Zomato); 1% on other spends. 1 CashPoint = Rs 1 against statement
Terms as of 2026-06-05 · Checked 28 September 2026HDFC Bank Millennia Credit Card at a glance
Who it suits: Online shoppers who use the partner brands
Rewards & cashback
| Details | |
|---|---|
| How you earn | 5% CashPoints on 10 partner merchants (Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, Zomato); 1% on other spends. 1 CashPoint = Rs 1 against statement |
| Caps & exclusions | 5% and 1% each capped at 1,000 CashPoints/month. No cashback on fuel, rent, utilities, government, cash advances, fees |
| Welcome benefit | 1,000 CashPoints on payment of joining/annual fee |
Yearly reward value at base rate
| Spend | Rewards (base rate) | Net of annual fee + GST |
|---|---|---|
| ₹1,20,000 / year | ₹1,200 | ₹1,200 |
| ₹3,00,000 / year | ₹3,000 | ₹3,000 |
| ₹6,00,000 / year | ₹6,000 | ₹6,000 |
| ₹12,00,000 / year | ₹12,000 | ₹12,000 |
Base rate only; accelerated categories raise the value, caps and excluded categories (rent, fuel, wallet, utilities etc. on many cards) lower it.
Travel, lounge & fuel benefits
| Benefit | Details |
|---|---|
| Airport lounge | Domestic lounge benefit via milestone: spend Rs 1 lakh in a quarter to choose lounge voucher or Rs 1,000 brand voucher |
| Fuel surcharge | 1% waiver on Rs 400-5,000 transactions, max Rs 250/month |
| Forex markup | 3.50% + 18% GST on the markup |
Fees & charges
| Charge | Amount |
|---|---|
| Joining fee | ₹1,000 + GST |
| Annual / renewal fee | ₹1,000 + GST |
| Fee waiver | Annual fee waived on Rs 1 lakh spend in previous year |
| Finance charge | Typically about 3.5%–3.75% per month on revolved balances (lower on some premium and secured cards) — see MITC |
| Cash withdrawal | Usually 2.5% (min ₹500) + interest from day one |
| Late payment | Slab-based, only if unpaid more than 3 days past due |
| GST | 18% on all fees and interest |
Is it worth it for you?
Eligibility & documents
| Criterion | Details |
|---|---|
| Income / criteria | Salaried Rs 35,000/month; self-employed ITR Rs 6 lakh+/yr; age 21-40 |
| Age | Typically 21-60 (salaried), up to 65 (self-employed); card-specific |
| Credit score | 750+ improves approval chances |
Similar cards
| Card | Issuer | Joining / annual fee | Reward rate | Best for |
|---|---|---|---|---|
| IndusInd Bank Pinnacle World | IndusInd Bank | ₹15,000 / Free | 1.88% base value | Online shoppers wanting 1.875% value with a one-time fee |
| Kiwi YES Bank RuPay Credit Card (Klick) | YES Bank | Free / Free | 1.50% base value | UPI spends on credit |
| Axis Bank ACE | Axis Bank | ₹499 / ₹499 | 1.50% base value | Flat cashback on all spends plus bill payments via GPay |
| HSBC Live+ | HSBC India | ₹999 / ₹999 | 1.50% base value | Dining & grocery cashback |
| Tata Neu Infinity HDFC Bank | HDFC Bank | ₹1,499 / ₹1,499 | 1.50% base value | Tata ecosystem shoppers (BigBasket, Croma, Tata CLiQ, Air India via N… |
| Amazon Pay ICICI Bank | ICICI Bank | Free / Free | 1.00% base value | Amazon Prime shoppers wanting a free, no-cap cashback card |
Frequently asked questions
What is the annual fee of the HDFC Bank Millennia Credit Card?
Joining fee ₹1,000 and annual fee ₹1,000 (plus 18% GST). Annual fee waived on Rs 1 lakh spend in previous year.
What rewards does it offer?
5% CashPoints on 10 partner merchants (Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, Zomato); 1% on other spends. 1 CashPoint = Rs 1 against statement Caps/exclusions: 5% and 1% each capped at 1,000 CashPoints/month. No cashback on fuel, rent, utilities, government, cash advances, fees
Does it give airport lounge access?
Domestic lounge benefit via milestone: spend Rs 1 lakh in a quarter to choose lounge voucher or Rs 1,000 brand voucher
What is the forex markup?
3.50% on international transactions, plus 18% GST on the markup. On ₹1 lakh spent abroad that is about ₹4,130.
Who is eligible?
Salaried Rs 35,000/month; self-employed ITR Rs 6 lakh+/yr; age 21-40. A CIBIL score of 750+ improves approval chances.
Is the HDFC Bank Millennia Credit Card good for me?
Best for: Online shoppers who use the partner brands. Compare the net value after fees with how and where you actually spend — the calculator on this page helps.
Source: www.paisabazaar.com, 2026-06-05. Card benefits change frequently — confirm the latest Most Important Terms & Conditions (MITC) on HDFC Bank’s website before applying. FinancePortal is not affiliated with the issuer.