HDFC Bank Millennia Credit Card
Updated 15 Apr 2026Source-linked
The HDFC Bank Millennia Credit Card is a mid credit card from HDFC Bank, with a joining fee of ₹1,000 + GST.
It earns up to 5% back on online partner merchants spends in the form of cashback.
Cardholders get 8 annual domestic airport lounge access, plus 1,000 cashpoints as a welcome benefit.
HDFC Bank Millennia Credit Card
- Joining Fee₹1,000
- Annual Fee₹1,000
- Best Suited ForCashback
- Reward TypeCashback
Rewards Rate
- 5% on online partner merchants (cap 1000 cashback inr / monthly)
- Base 1.00% on other spends
Welcome Benefits
- 1,000 CashPoints
HDFCplatinummidRewards and Benefits
Rewards Rate
5% on online partner merchants (cap 1000 cashback inr / monthly)
Base 1.00% on other spends.
Reward Redemption
Redeem at ₹1 per unit.
Welcome Benefits
1,000 CashPoints
Milestone Rewards
- ₹1,00,000 / quarterly: ₹1,000 gift voucher
Domestic Lounge Access
8 visits each annual.
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A
Fees & Charges
Spend-Based Waiver
₹1,00,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.60% per month (43.2% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per statement.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)
Product Details
- mid card issued by HDFC Bank.
- Joining / annual fee of ₹1,000 + GST, waived on annual spends of ₹1,00,000.
- Available on the Visa network.
- Complimentary airport lounge access: domestic (8/annual).
Pros & Cons
Pros
- Annual fee waivable on ₹1,00,000 spend.
- Complimentary domestic airport lounge access (8/annual).
- Milestone-based bonus rewards on annual / quarterly spend thresholds.
- Accelerated earn rate of 5% on online partner merchants.
Cons
- Standard forex markup of 3.50% — suboptimal for international spend.
- No rewards on fuel spends.
₹1,000 welcome benefit
- 1,000 CashPointsJoining fee paidWindow: 90 days from issuance.
Accelerated rewards
- 5% on online partner merchants (cap 1000 cashback inr / monthly)Merchants: amazon, bookmyshow, cult.fit, flipkart, myntra, sony-liv, swiggy, tata-cliq + 2 more5% cashback (as CashPoints) at 10 partner merchants.
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- government
- emi
- utilities
Milestone benefits
- ₹1,00,000 / quarterly: ₹1,000 gift voucher (≈ ₹1,000 value)
Airport lounge access
Domestic
8 visit(s) / annual. Via dreamfolks.
Complimentary access on cardholder; 2 visits per quarter.
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹250 per statement.
Sources
- : www.hdfcbank.com · retrieved 15 Apr 2026
Last verified 15 Apr 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–60
- Credit score
- 750+
- Income (salaried)
- ₹4,20,000 p.a.
- Income (self-employed)
- ₹6,00,000 p.a.