Is the HDFC Millennia Credit Card Worth It?
Enter what you spend where this card pays more, and the benefits you would use. See what it is worth to you in rupees, after its fee.
- 207Cards to check
- FreeCost
- Shopping card
- Needs ₹35,000 a month income
- ₹1,180 fee a year (with GST)
- Fee waived from ₹8,333 a month
- 1% on most spends; 5% only at partner merchants
- 4 lounge visits a year
- Pays in cashback
- online shopping only at Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, SonyLIV, Swiggy, Tata CLiQ, Uber, Zomato: 5% back, up to ₹1,000 a month
- spending ₹8,333 or more a month: the ₹1,180 fee is waived
- flyers: 4 airport lounge visits a year
- you spend less than ₹8,333 a month (₹1,00,000 a year, rent and wallet loads not counted): the ₹1,180 fee is then charged
- most of your spending is fuel, rent, wallet top-ups or government payments: those earn nothing on this card
- you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- you rarely spend on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, SonyLIV, Swiggy, Tata CLiQ, Uber, Zomato: the 5% rate applies only there, everything else earns 1%
- you often pay in foreign currency: 3.5% is added to every foreign spend
- you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
Your spend a month, by kind
Terms on the normal rate: 1% CashPoints on all other spends, also capped 1,000 points/month; fuel/rent/EMI/wallet/govt excluded
Total on the card: ₹0 a month
Abroad and benefits
Every rate on this card, and what your spend earns
| Spend category | Rate | Monthly cap | Where it applies | Your spend earns |
|---|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI | - |
| Online shopping | 1% | No cap | Anywhere else in the category | - |
| Online shopping, only at listed merchants | 5% | ₹1,000 | Only at: Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, SonyLIV, Swiggy, Tata CLiQ, Uber, ZomatoTerms: 5% CashPoints on 10 partner brands, capped 1,000 points a month. ⚠ Routing these same merchants through PayZapp or SmartBuy DROPS them to 1%, HDFC excludes such transactions from the 5% category. Uber earns 5% only on rides (MCC 4121); Uber Eats earns the 1% base. | - |
| Dining and food delivery | 1% | No cap | The card's normal rate | - |
| Groceries | 1% | No cap | The card's normal rate | - |
| Travel: flights, hotels, trains | 1% | No cap | The card's normal rate | - |
| Fuel | Earns nothing | - | earns nothing on this card | - |
| Bills and recharges | 1% | No cap | The card's normal rate | - |
| Rent | Earns nothing | - | earns nothing on this card | - |
| Insurance premiums | 1% | No cap | The card's normal rate | - |
| School and college fees | 1% | No cap | The card's normal rate | - |
| Wallet top-ups | Earns nothing | - | earns nothing on this card (base rate terms) | - |
| Taxes and government payments | Earns nothing | - | earns nothing on this card (base rate terms) | - |
| Spend abroad or in a foreign currency | 1% | No cap | The card's normal rate | - |
| Everything else | 1% | No cap | The card's normal rate | - |
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Common Questions
When is a credit card worth its annual fee?
When the rewards you actually earn in a year are more than the fee plus 18% GST, or when you spend enough for the bank to waive the fee. This calculator works out both from the card's own published terms.
Why is GST added to the fee?
Card fees carry 18% GST, so a ₹1,000 fee costs ₹1,180. Where the bank already quotes the fee with GST, it is not added twice.
What does 'capped' mean?
Many cards limit the reward you can earn in a month in a category. Spending above the cap earns nothing extra, so the calculator stops counting there.
Is a lifetime free card always better?
Not always. A paid card with higher rewards can leave you with more once you spend enough. The break-even line shows the monthly spend where that starts.
Guides in Plain Words
Short reads that explain how it works before you decide.
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