HDFC Bank Millennia Credit Card
Updated on August 25, 2026
🎖️Reward Rate
Base Rewards: 1% CashPoints per ₹100 (1% cashback across other retail spends (offline & non-merchant online))
Overview
HDFC Bank Millennia Credit Card by HDFC Bank provides premium value tailored for Cashback cardholders.
Rewards
Reward Type
Cashback
Reward Rate
- • Base Rewards: 1% CashPoints per ₹100 (1% cashback across other retail spends (offline & non-merchant online))
- • Accelerated Rewards: 5% Cashback (CashPoints) on Amazon, Flipkart, Myntra, Swiggy, Zomato, Cult.fit, Tata CLiQ, Uber, Sony LIV, BookMyShow
- • Excluded Categories: Fuel, Wallet loads, Rent, Government transactions, EMI transactions
Welcome Benefit
1,000 CashPoints equivalent to ₹1,000 upon payment of membership fee; Qualification Criteria: Realization of joining membership fee within 90 days; Fulfillment Timeline: 30-45 days post joining fee realization
Milestone Benefit
Spend ₹1 Lakhs (Quarterly): ₹1,000 gift voucher each calendar quarter on spending ₹1 Lakh or more in that quarter; Spend ₹1 Lakhs (Annual): Annual renewal fee waiver; Annual Fee Waiver: Spend ₹1 Lakh or more in preceding 12 months for fee waiver
Redemption
- • Direct Statement Credit at 1 CashPoint = ₹1.00 (min 500 CashPoints required)
- • Flights & Hotel booking via SmartBuy at 1 CashPoint = ₹0.30
- • Product catalog at 1 CashPoint = ₹0.30
Benefits
- Domestic Airport Lounge: 1 per calendar quarter (on spending ₹1 Lakh in preceding quarter) via Visa / Mastercard Lounge Program
- Fuel Surcharge Waiver: 1% (Max waiver ₹250 per statement cycle)
- Good Food Trail Dining Privileges: Up to 20% discount on restaurant dining payments via partner apps. (Swiggy Dineout participating outlets) [Partners: Swiggy Dineout]
Things to Know Before you apply
HDFC Bank Millennia Credit Card Eligibility Criteria
- Age: 21–40 years
- Salaried: Gross monthly income > ₹35,000; Self-employed: ITR > ₹6.0 Lakhs per annum
- Salaried & Self-Employed Individuals
- Resident Indian
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹1,000 |
| Annual Fee | ₹1,000 |
| Foreign Currency Mark-up Fee | 3.5% |
| Cash Advance Fee | 2.5% (min ₹500) |
Fee waiver: Spend ₹1 Lakh or more in preceding 12 months for fee waiver
PaisaSimple Review
Overall Rating
4.9/5What do we like about this card?
HDFC Bank Millennia Credit Card issued by HDFC Bank is one of India's leading credit cards for Cashback spends, featuring competitive reward earning and verified travel perks.
Pros
- • Base Rewards: 1% CashPoints per ₹100 (1% cashback across other retail spends (offline & non-merchant online))
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
Cons
- • Annual renewal fee of ₹1000
- • Reward exclusion on fuel purchases and wallet load transactions
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- • 1,000 CashPoints equivalent to ₹1,000 upon payment of membership fee
- • Qualification Criteria: Realization of joining membership fee within 90 days
- • Fulfillment Timeline: 30-45 days post joining fee realization
- • ₹1,000 cashback upon retail spends of ₹20,000 or more within 30 days of card issuance
- • Qualification Criteria: Spend ₹20,000 within first 30 days
- • Fulfillment Timeline: 45 days post criteria completion
- • Direct cashback access on all online shopping portals from day one
- • Qualification Criteria: Card activation
- • Fulfillment Timeline: Immediate
- • Base Rewards: 1% CashPoints per ₹100 (1% cashback across other retail spends (offline & non-merchant online))
- • Accelerated Rewards: 5% Cashback (CashPoints) on Amazon, Flipkart, Myntra, Swiggy, Zomato, Cult.fit, Tata CLiQ, Uber, Sony LIV, BookMyShow
- • Excluded Categories: Fuel, Wallet loads, Rent, Government transactions, EMI transactions
- • Base Rewards: 10% Cashback per ₹100 (10% Accelerated Cashback on dining, food delivery (Zomato, Swiggy), and grocery spends (capped at ₹1,000 per billing cycle))
- • 1.5% Unlimited Cashback per ₹100 (1.5% Unlimited flat cashback on all other eligible online and offline retail transactions)
- • Accelerated Rewards: 10% Accelerated Cashback on dining, Zomato, Swiggy, and supermarket grocery spends (max ₹1,000/cycle) + 1.5% uncapped cashback on everything else.
- • Excluded Categories: Fuel, Rent, Wallet loads, EMI
- • Base Rewards: 5% Cashback per ₹100 (5% direct cashback on all online retail transactions across any merchant without brand restriction (capped at ₹5,000/statement cycle))
- • 1% Cashback per ₹100 (1% unlimited cashback on all offline retail spends)
- • Accelerated Rewards: Automatic direct statement credit within 2 days of next statement generation
- • Excluded Categories: Fuel, Rent payments, Wallet load, Utility bills, Insurance, Education and Govt services
- • Base Rewards: 1% CashPoints per ₹100 (1% cashback across other retail spends (offline & non-merchant online))
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 10% Cashback per ₹100 (10% Accelerated Cashback on dining, food delivery (Zomato, Swiggy), and grocery spends (capped at ₹1,000 per billing cycle))
- • 1.5% Unlimited Cashback per ₹100 (1.5% Unlimited flat cashback on all other eligible online and offline retail transactions)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 5% Cashback per ₹100 (5% direct cashback on all online retail transactions across any merchant without brand restriction (capped at ₹5,000/statement cycle))
- • 1% Cashback per ₹100 (1% unlimited cashback on all offline retail spends)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Annual renewal fee of ₹1000
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹999
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹999
- • Reward exclusion on fuel purchases and wallet load transactions