HDFC Bank Millennia Credit Card
Updated on November 3, 2026
🎖️Reward Rate
1% CashBack on other spends
Overview
The HDFC Bank Millennia Credit Card is a cashback card that gives 5% cashback on 10 popular brands like Amazon, Flipkart and Swiggy, and 1% on other spends.
Rewards
Reward Type
Cashback
Reward Rate
- • 1% CashBack on other spends
- • 5% CashBack on Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, Uber, BookMyShow, Sony LIV and Cult.fit
Welcome Benefit
Pay your membership fee and get Reward Points equivalent to the fee amount
Milestone Benefit
Get a ₹1,000 gift voucher or 1 domestic lounge visit when you spend ₹1 lakh or more in a calendar quarter.
Redemption
- • Statement credit: 1 Reward Point = ₹1, minimum 500 points required
- • SmartBuy flights/hotels: 1 Reward Point = ₹0.30
- • Product catalogue: 1 Reward Point = up to ₹0.30
- • CashBack redemption capped at 3,000 points/month
- • Flight/hotel bookings capped at 50% payable via points and 50,000 points/month
- • Points expire after 2 years
Benefits
- Fuel surcharge waiver of 1% on transactions between ₹400 and ₹5,000, capped at ₹250/statement cycle
- 10% additional discount on Swiggy Dineout using coupon code HDFCCARDS
- Up to 10% additional cashback via PayZapp/SmartBuy
- Interest-free period of up to 50 days
- Zero Lost Card Liability
- Excluded from Reward Points (effective 1 September 2024): wallet loading, Easy EMI, and education payments
Things to Know Before you apply
HDFC Bank Millennia Credit Card Eligibility Criteria
- Age: 21–40 years
- Salaried: net monthly income above ₹35,000. Self-employed: ITR above ₹6 lakh a year.
- Salaried, Self-Employed
- Indian
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹1,000 |
| Annual Fee | ₹1,000 |
| Foreign Currency Mark-up Fee | 3.5% |
| Cash Advance Fee | 2.5% of the amount withdrawn or ₹500, whichever is higher. |
Fee waiver: Spend over ₹1,00,000 in a year before renewal to get the fee waived
PaisaSimple Review
Overall Rating
3.5/5What do we like about this card?
Rated 3.5 out of 5. The HDFC Bank Millennia Credit Card scores well for 5% cashback on Amazon, Flipkart, Myntra, Swiggy, Zomato and other popular brands, 1% elsewhere and points worth ₹1 as statement credit. It loses marks because it is only for applicants aged 21 to 40, cashback redemption is capped at 3,000 points a month and lounge access is limited to one domestic visit a quarter on ₹1 lakh of spending.
Pros
- • 5% cashback on Amazon, Flipkart, Myntra, Swiggy, Zomato and 5 more brands
- • 1% cashback on other spends
- • Fee waived on ₹1 lakh yearly spend
- • ₹1,000 voucher or lounge visit on ₹1 lakh quarterly spend
Cons
- • Only for applicants aged 21 to 40
- • Cashback redemption capped at 3,000 points a month
- • 3.5% forex markup
- • ₹1,000 + GST annual fee if you spend under ₹1 lakh
Frequently Asked Questions
What is the joining and annual fee of the HDFC Bank Millennia Credit Card?
The joining fee is ₹1,000 plus GST. The annual fee is ₹1,000 plus GST. Spend over ₹1,00,000 in a year before renewal to get the fee waived.
What rewards does the HDFC Bank Millennia Credit Card give?
1% CashBack on other spends. 5% CashBack on Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, Uber, BookMyShow, Sony LIV and Cult.fit.
How do I redeem the rewards on the HDFC Bank Millennia Credit Card?
Statement credit: 1 Reward Point = ₹1, minimum 500 points required. SmartBuy flights/hotels: 1 Reward Point = ₹0.30. Product catalogue: 1 Reward Point = up to ₹0.30. CashBack redemption capped at 3,000 points/month. Flight/hotel bookings capped at 50% payable via points and 50,000 points/month. Points expire after 2 years.
Does the HDFC Bank Millennia Credit Card give airport lounge access?
Get a ₹1,000 gift voucher or 1 domestic lounge visit when you spend ₹1 lakh or more in a calendar quarter.
What is the forex markup on the HDFC Bank Millennia Credit Card?
The forex markup is 3.5% of the amount spent in a foreign currency.
Who can apply for the HDFC Bank Millennia Credit Card?
Applicants should be 21 to 40 years old. Open to salaried, self-employed. Salaried: net monthly income above ₹35,000. Self-employed: ITR above ₹6 lakh a year. You must be an Indian national.
Compare with Similar Cards
Joining Fee
₹1,000
Annual/Renewal Fee
₹1,000
Joining Fee
Free
Annual/Renewal Fee
Free
Joining Fee
₹999
Annual/Renewal Fee
₹999
- • Pay your membership fee and get Reward Points equivalent to the fee amount
- • 1% CashBack on other spends
- • 5% CashBack on Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, Uber, BookMyShow, Sony LIV and Cult.fit
- • Amazon for Prime Members: 5% back
- • Amazon for Non-Prime Members: 3% back
- • Partner Merchants: 2% back at over 100 partners
- • Other Spends: 1% back, unlimited
- • Online Spends: 5% cashback with no merchant restriction, up to ₹2,000 per statement cycle
- • Offline Spends: 1% cashback, up to ₹2,000 per statement cycle
- • Overall Cap: ₹4,000 cashback per statement cycle
- • Exclusions: No cashback on fuel, wallets, rent, jewellery, education, utilities, insurance, railways, gaming, tolls, government, gift shops, EMI or cash withdrawals
- • 5% cashback on Amazon, Flipkart, Myntra, Swiggy, Zomato and 5 more brands
- • 1% cashback on other spends
- • Fee waived on ₹1 lakh yearly spend
- • ₹1,000 voucher or lounge visit on ₹1 lakh quarterly spend
- • No Fees: Lifetime free
- • Amazon Rewards: 5% back for Prime members
- • Unlimited Rewards: No caps or expiry
- • Low Forex: 1.99% markup
- • Online Cashback: 5% on online spends with no merchant restriction
- • Automatic Credit: No need to redeem
- • Fee Reversal: Renewal fee reversed at ₹2 lakh annual spend
- • Offline Cashback: 1% on in-store spends
- • Only for applicants aged 21 to 40
- • Cashback redemption capped at 3,000 points a month
- • 3.5% forex markup
- • ₹1,000 + GST annual fee if you spend under ₹1 lakh
- • Amazon Focus: The 5% and 3% rates apply only on Amazon
- • Non-Prime Rate: 3% without Prime
- • No Lounge Access: Airport lounges are not included
- • Interest: 3.75% a month on unpaid balances
- • Cashback Caps: ₹2,000 online and ₹2,000 offline per statement cycle
- • Exclusions: No cashback on fuel, rent, utilities, insurance, education and more
- • No Lounge Access: Airport lounges are not included
- • Forex: 3.5% markup
- • Interest: 3.75% a month on unpaid balances