HDFC Bank Millennia Credit Card
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% on online partner merchants spends in the form of cashback.
Welcome benefit: 1,000 CashPoints.
- Joining Fee₹1,000
- Annual Fee₹1,000
- Best Suited ForCashback
- Reward TypeCashback
- 5% on online partner merchants (cap 1000 cashback inr / monthly)
- Base 1.00% on other spends
- 1,000 CashPoints
HDFCplatinummidRewards and Benefits
- ₹1,00,000 / quarterly: Millennia Milestone Voucher: cardholder's choice of a ₹1,000 brand gift voucher OR one complimentary airport lounge access voucher (DreamFolks lounge program discontinued 01 Dec 2023).
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
No accelerated categories apply to the spend you entered — everything earns the base rate.
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Online shopping₹15,000 · 1.0% = ₹150/mo
Online shopping — earns base; accelerated rate needs booking via amazon, bookmyshow, cult-fit, flipkart, myntra, sony-liv, swiggy, tata-cliq, uber, zomato
- Groceries₹8,000 · 1.0% = ₹80/mo
- Dining & food delivery₹8,000 · 1.0% = ₹80/mo
Dining & food delivery — earns base; accelerated rate needs booking via amazon, bookmyshow, cult-fit, flipkart, myntra, sony-liv, swiggy, tata-cliq, uber, zomato
- Fuel₹4,000 · 0.0% = ₹0/mo
- Travel & hotels₹10,000 · 1.0% = ₹100/mo
- Utilities & bills₹5,000 · 0.0% = ₹0/mo
₹4,920 rewards − ₹0 annual fee. Estimate for the spend you entered.
Fees & Charges
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.
Pros & Cons
- Annual fee waivable on ₹1,00,000 spend.
- Milestone-based bonus rewards on annual / quarterly spend thresholds.
- Accelerated earn worth ≈5.0% on online partner merchants.
- Standard forex markup of 3.50% — suboptimal for international spend.
- No rewards on fuel spends.
- No complimentary airport lounge access.
₹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. Uber earns 5% only on travel/commute MCC 4121.
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: Millennia Milestone Voucher: cardholder's choice of a ₹1,000 brand gift voucher OR one complimentary airport lounge access voucher (DreamFolks lounge program discontinued 01 Dec 2023). (≈ ₹1,000 value)
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹250 per statement.
Sources
- : www.hdfc.bank.in · retrieved 3 Jul 2026
Last verified 3 Jul 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.