HDFC Bank Millennia Credit Card
Updated on August 16, 2026
🎖️Reward Rate
5% CashBack on 10 Top Apps: Amazon, Flipkart, Myntra, Swiggy, Zomato, Tata CLiQ, Uber, Cult.fit, Sony LIV & BookMyShow (Capped at 1,000 CashPoints per calendar month)
Overview
The HDFC Bank Millennia Credit Card is India's most popular cashback credit card designed for digital spenders. It provides 5% cashback on 10 top online apps (Amazon, Flipkart, Swiggy, Zomato, Myntra, Uber, Tata CLiQ, Cult.fit, Sony LIV, BookMyShow), 1:1 direct cash statement credit (1 CP = ₹1), quarterly lounge visits on ₹50,000 spend, ₹1,000 quarterly milestone vouchers, and easy fee waivers.
Rewards
Reward Type
Cashback
Reward Rate
- • 5% CashBack on 10 Top Apps: Amazon, Flipkart, Myntra, Swiggy, Zomato, Tata CLiQ, Uber, Cult.fit, Sony LIV & BookMyShow (Capped at 1,000 CashPoints per calendar month)
- • 1% CashBack on all other retail spends and wallet loads (Capped at 1,000 CashPoints per calendar month)
Welcome Benefit
1,000 CashPoints (Worth ₹1,000 statement cash) upon payment of membership joining and renewal fee
Milestone Benefit
₹1,000 worth gift voucher on spending ₹1,00,000 or more in each calendar quarter; 100% renewal fee waiver on spending ₹1,00,000 in preceding 12 months
Redemption
- • 1 CashPoint = ₹1.00 directly against Statement Balance (Min 500 CP, Max 3,000 CP/month)
- • 1 CP = ₹0.30 for Flights & Hotels on SmartBuy (Redeem up to 50% booking value, Max 50,000 CP/month)
- • 1 CP = up to ₹0.30 for Product Catalogue & Vouchers (Redeem up to 70% value)
- • Validity: 2 Years from accrual
Benefits
- Welcome: 1,000 CashPoints credited upon payment of joining/renewal fee (1 CP = ₹1 cash value)
- 5% CashBack on 10 top merchant partner apps: Amazon, Flipkart, Myntra, Swiggy, Zomato, Tata CLiQ, Uber, Cult.fit, Sony LIV and BookMyShow (Max 1,000 CashPoints per calendar month)
- 1% CashBack on all other retail transactions & wallet loads (Max 1,000 CashPoints per calendar month
- Fuel, EMI and Govt spends excluded)
- Travel & Lounge: 1 Complimentary Domestic Airport Lounge visit per calendar quarter upon spending ₹50,000 or more in preceding quarter
- Milestone Benefit: ₹1,000 gift voucher on quarterly spends of ₹1,00,000
- Dining: Up to 20% discount on dining bills at 20,000+ restaurants via Swiggy Dineout
- Fuel Waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 (Max ₹250 per statement cycle)
- Insurance: Zero Lost Card Liability Protection
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: Annual ITR > ₹6,00,000
- Salaried & Self-Employed Individuals
- Resident Indian
HDFC Bank Millennia Credit Card Customer Care
- Toll Free: 1800 1600 / 1800 2600
- Landline: +91 22 6160 6161
- Concierge Service: customerservices.cards@hdfcbank.com
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 ₹1,00,000 or more in preceding 12 months for 100% annual renewal fee waiver
PaisaSimple Review
Overall Rating
What do we like about this card?
We have awarded the HDFC Bank Millennia Credit Card an overall rating of 4.5/5.0 based on its stellar 5% merchant rewards, genuine 1:1 statement cashback redemption (1 CP = ₹1.00), and accessible ₹1 Lakh annual spend fee waiver. Top Comparison Cards: Cashback SBI Card; Axis Bank ACE Credit Card; Amazon Pay ICICI Bank Credit Card; Swiggy HDFC Bank Credit Card.
Pros
- • 5% CashBack on 10 top platforms: Amazon, Flipkart, Swiggy, Zomato, Myntra, Uber, Tata CLiQ, Cult.fit, Sony LIV & BookMyShow
- • 1:1 CashPoint statement credit redemption (1 CP = ₹1.00)
- • 1,000 CashPoints welcome & renewal bonus offsets the annual fee
- • Low ₹1,00,000 spend requirement for full renewal fee waiver
- • Available across Visa, Mastercard, and RuPay (UPI-enabled) networks
Cons
- • Monthly 5% cashback capped at 1,000 CashPoints per calendar month
- • Domestic lounge access requires ₹50,000 spend in preceding quarter
- • Standard 3.5% foreign currency markup fee
- • Fuel, EMI, and Government spends do not earn cashback