HDFC Bank
HDFC Millennia Credit Card
Data last verified: 24 October 2026
- Joining fee₹1,000 + GST
- Annual fee₹1,000 + GST
- Reward rate1% on most spends; 5% only at partner merchants
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹1,000 + GST
- Annual fee₹1,000 + GST
- Fee waiverOn ₹1 lakh spend a year
- Forex markup3.5%
- Interest (APR)3.75% a month, 45% a year
Millennia gives 5% cashback at ten popular merchants, including Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber and BookMyShow, and 1% on other spends. Each is capped at Rs 1,000 a month. You also get 1,000 bonus CashPoints once the joining fee is paid.
The fee is ₹1,000 a year, waived at ₹1 lakh of annual spend. That is about Rs 8,500 a month, so a regular user will usually get it free after year one.
It suits young salaried people who do most of their shopping online. There is also one domestic lounge visit a quarter, which needs Rs 1 lakh of spend in the previous quarter. The catch is the age limit of 40 and the Rs 1,000 monthly caps, which limit how much heavy spenders can earn.
Best for: Online shoppers, Young salaried professionals, Food delivery and cab users.
01HDFC Millennia Credit Card Rewards and Benefits
02HDFC Millennia Credit Card Annual Fee and Charges
- Joining fee
- ₹1,000 + GST
- Annual fee
- ₹1,000 + GST
- Spend-based waiver
- Annual fee waived on ₹1 lakh spend in a year (rent and wallet loads not counted)
- Rewards redemption fee
- Nil
- Forex markup
- 3.5%
- Interest rate
- 3.75% a month (45% a year)
- Fuel surcharge waiver
- Yes
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹20,000 on everything else, earning 1%₹200
- Back each month, ₹2,400 a year₹200
- Annual fee with 18% GST (waived at this spend)₹0
- In your pocket each year₹2,400
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- 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
Skip it if…
- 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
04Product Details
- Joining and annual fee: ₹1,000
- Fee waived on ₹1 lakh spend in a year
- 5% cashback at Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber and more
- 1% on other spends
- Each tier capped at ₹1,000 a month
- 1,000 bonus CashPoints on paying the joining fee
- 1 domestic lounge visit a quarter, on ₹1 lakh spend in the previous quarter
05Pros and Cons
Pros
- 5% back at popular shopping and food apps
- 1% on everything else
- Reachable fee waiver
- UPI enabled
Cons
- Cashback capped at ₹1,000 a month per tier
- Lounge access needs ₹1 lakh spend in a quarter
- Maximum age of 40 to apply
06How HDFC Millennia Credit Card earns Rewards
1% on most spends; 5% only at partner merchants.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| 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 |
Terms on the base rate. 1% CashPoints on all other spends, also capped 1,000 points a month; fuel/rent/EMI/wallet/govt excluded
07HDFC Millennia Credit Card Lounge Access and Travel
Domestic lounge access is 4 visits a year. Spend Rs 100,000 in the previous quarter for domestic lounge access. Spending abroad carries a 3.5% forex markup; rewards on it: 1% back (the normal rate). See what it costs on your trip
Also on the card. fuel surcharge waiver, airport lounge access, milestone bonuses.
- Fuel surcharge waiver: 1% fuel surcharge waiver at all fuel stations (₹400 to ₹5,000 per txn), capped ₹250/statement cycle
- Airport lounge access: A domestic lounge visit each quarter on ₹1 lakh of spend in the previous quarter, issued as a voucher. Widely reported as up to 4 a year and as an alternative to the ₹1,000 quarterly voucher rather than in addition to it, though HDFC publishes neither the count nor that either/or rule.
- Milestone bonuses: ₹1,000 voucher each calendar quarter on ₹1 lakh of spend in that quarter, ₹4,000 a year only if you clear the bar all four quarters; offered as an alternative to the quarterly lounge visit
08HDFC Millennia Credit Card Eligibility and Documents
- Age
- 21 to 40 years
- Employment
- Salaried or self-employed
- Minimum monthly income
- ₹35,000
Documents. PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
09Recent Changes
What HDFC Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 15 May 2026 | Reduced: Dynamic currency conversion markup raised to 1.75%Source: HDFC Bank | 1% markup | 1.75% markup |
| 1 Jul 2025 | Reduced: 1% fee added on rent, wallet loads and online gamingSource: HDFC Bank | No category surcharge on rent, wallet loads or gaming | 1% on rent (cap ₹4,999 per transaction); 1% on wallet loads and on online skill-based gaming above ₹10,000 a calendar month (cap ₹4,999 a month) |
| 1 Jul 2025 | Reduced: 1% fee on utilities above Rs 50,000 and on third-party education paymentsSource: HDFC Bank | No surcharge on utility or education payments | 1% on utility spends above ₹50,000 a calendar month (cap ₹4,999 a month); 1% on education paid through third-party apps |
| 1 Jul 2025 | Reduced: Insurance reward points capped, online gaming stops earningSource: HDFC Bank | Insurance uncapped on most cards; online skill-based gaming earned points | Insurance capped at 2,000 reward points a month (5,000 on Diners Black, 10,000 on Infinia); online skill-based gaming earns nothing |
| 1 Sept 2024 | Reduced: Utility/telecom earning capped; third-party education excludedSource: HDFC Bank | Utility & telecom earned uncapped; education earned via any channel | Utility & telecom 2,000 pts a month each; third-party education earns nothing |
See this card's change history → · All card changes in May 2026 →
10Cards Similar to HDFC Millennia Credit Card
HDFC Millennia Credit Card is a shopping card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | HDFC Millennia Credit Card |  HSBC Live Plus Credit Card |  SBI Cashback Credit Card |
|---|---|---|---|
| Joining fee | ₹1,000 + GST | ₹999 + GST | ₹999 + GST |
| Annual fee | ₹1,000 + GST | ₹999 + GST | ₹999 + GST |
| Rewards | 1% on most spends; 5% only at partner merchants | 1.5% base, up to 10% on dining | 1% base, up to 5% on online shopping |
| Domestic lounge | 4 visits a year | 2 visits a year | Not included |
| Forex markup | 3.5% | 1.99% | 3.5% |
| Type | Shopping | Dining | Shopping |
11Explore More
Card facts last verified 24 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Never Miss Your HDFC Millennia Credit Card Bill
The SkyloFin app reads your bank's bill SMS, reminds you before the due date and marks the bill paid when you pay. Free on Android, and your data stays on your phone.
Common Questions
Is the ₹1,000 fee waived?
Yes, once you spend ₹1 lakh in a year. Below that the fee plus GST is charged.
Where do I get 5% cashback?
Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, SonyLIV, Swiggy, Tata CLiQ, Uber and Zomato.
Is there a cashback cap?
Yes, ₹1,000 a month on the 5% merchants and ₹1,000 on other spends.
Who can apply?
Applicants aged 21 to 40 with a monthly income of about ₹35,000.
What is the joining fee for the HDFC Millennia Credit Card?
The joining fee is ₹1,000 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the HDFC Millennia Credit Card?
The annual fee is ₹1,000 + GST.
Does the HDFC Millennia Credit Card give airport lounge access?
Yes. Domestic lounge access is 4 visits a year. Check the bank's page for the current rules, because lounge programmes change.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with HDFC Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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