HDFC Millennia Credit Card by HDFC Bank — Credit Card Image
HDFC Bank Review Verified: 2026-10-04

HDFC Millennia Credit Card

4.3 / 5.0 Rating
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#best-for-everyday #best-for-millennials

Fees

₹1,000 + Taxes

Joining & annual

Reward Rate

5% cashback on Amazon, Flipkart, Myntra, Swiggy, Zomato & 5 more brands; 1% on other spends

Welcome Bonus

₹1,000 cashback on spending ₹1,000+ in first 90 days

Lounge

1 Visit/Qtr (₹1L Spend)

Overview Perks & Milestones Fees & Interest Insurance Eligibility FAQs Compare

Our Expert Take

HDFC Millennia rewards the spending pattern most urban shoppers already have: Amazon, Flipkart, Swiggy, Zomato and BookMyShow all earn 5% cashback, capped at ₹1,000 a month, and everything else earns 1%. Lounge access comes only as a quarterly milestone on ₹1 lakh spend.

Reward limits

Checked 27 Sep 2026 · Bank terms

  • 5% on Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber, BookMyShow, Tata CLiQ, Sony LIV & Cult.fit

    Max ₹1,000 per calendar month

    Reached after about ₹20,000 of spend

  • 1% on all other spends

    Max ₹1,000 per calendar month

    Reached after about ₹1,00,000 of spend

No rewards on: Fuel, rent, government, wallet/gift card loads, EMI, third-party education payments

Pros & Cons

Key Advantages

  • 5% cashback across 10 popular online platforms
  • Covers Amazon, Flipkart, Myntra, Swiggy, Zomato, BookMyShow & more
  • 1% cashback on all other eligible spends, online and offline
  • 1 domestic lounge visit (or ₹1,000 gift voucher) per quarter on ₹1L spend
  • Straightforward cashback, credited directly as statement credit

Limitations

  • Only 1% cashback on offline/in-store purchases
  • 5% cashback capped at ₹750/month (₹9,000/year)
  • ₹1,000 annual fee (consistent spend needed for waiver)
  • Cashback credited quarterly, not immediately

Key Perks & Spending Milestones

5% cashback on Amazon, Flipkart, Myntra, BookMyShow, Cult.fit, Swiggy, Sony LIV, Tata CLiQ, Uber & Zomato

1% cashback on all other eligible spends

1 domestic lounge visit or a ₹1,000 voucher on ₹1 lakh spend in each calendar quarter

₹1,000 cashback welcome bonus on ₹1,000+ spends within 90 days

1% fuel surcharge waiver on transactions ₹400–₹5,000

EMI on purchases above ₹10,000

Contactless payment enabled

Spend milestone

₹1,000 cashback on first ₹1,000+ spend within 90 days of issuance

Spend milestone

Renewal fee waived on ₹1 lakh spend in the year before renewal

Fees & Charges

Joining fee

₹1,000 + Taxes

Annual fee

₹1,000 + Taxes

Renewal fee waived on ₹1 lakh spend in the year before renewal

Interest rate

3.6% per month (43.2% per annum)

Late payment fee

Nil for balance up to ₹500; ₹500 for ₹501-₹5,000; ₹750 for ₹5,001-₹10,000; ₹1,100 for balance above ₹10,000.

Insurance & Protection Benefits

Comprehensive travel insurance & lost card liability cover up to ₹1,000,000

Eligibility Criteria

salaried minimum income

₹35,000 per month

self employed ITR

₹6 Lakh per annum

age

21 to 60 years

Credit score & income

Good (720+), Salaried ₹35,000/month or ITR ₹6 Lakh/annum

Frequently Asked Questions

How do I redeem CashPoints earned on the HDFC Millennia Credit Card?
CashPoints are credited to your account at the end of each statement cycle and are valid for 2 years. You can redeem a minimum of 500 CashPoints against your statement balance (1 CashPoint = ₹1, capped at 3,000 points/month, ₹50 redemption fee) via HDFC NetBanking, PhoneBanking, or a physical redemption form. Redeeming via SmartBuy for flights and hotels values each CashPoint lower, at ₹0.30.
Can I withdraw cash using the HDFC Millennia Credit Card?
Yes, but it's an expensive option. Cash withdrawals attract a cash advance fee of 2.5% of the amount withdrawn (minimum ₹500), and interest starts accruing immediately from the withdrawal date, unlike regular purchases which get an interest-free period. It's best used only in genuine emergencies.
How can I increase my HDFC Millennia Credit Card limit?
Request a limit enhancement through HDFC NetBanking (Cards > Request > Credit Limit Enhancement), by SMS ('CCACL' followed by the last 4 digits of your card, sent to 5676712), or via customer care. There's no fee for the request, but approval depends on your usage, repayment history, and income — HDFC may ask for updated income proof or ITR.
Is the HDFC Millennia Credit Card good for beginners?
Yes — it doesn't require the extensive credit history that premium cards look for, carries a low ₹1,000 fee that's easy to waive, and rewards spending on everyday apps like Amazon, Flipkart, and Swiggy that most first-time cardholders already use. It's one of the more accessible cashback cards in HDFC's lineup.
Does the HDFC Millennia Credit Card charge a fee on foreign currency transactions?
Yes. International transactions carry a 3.5% forex markup fee, plus 18% GST on that markup, which works out to roughly 4.13% overall. This applies whenever a transaction is billed in a foreign currency, whether you're abroad or shopping on an international website — a dedicated forex or travel card will usually be cheaper for frequent overseas spending.

Compare HDFC Millennia Credit Card With Similar Cards

Card Annual Fee Reward Rate Lounge Access Rating
HDFC Millennia Credit Card This Card ₹1,000 + Taxes 5% cashback on Amazon, Flipkart, Myntra, Swiggy, Zomato & 5 more... 1 Visit/Qtr (₹1L Spend) 4.3/5
Cashback SBI Credit Card ₹999 + Taxes 5% cashback on online spends, capped ₹2,000/statement cycle; 1%... No Lounge Access 4.7/5
Flipkart Axis Bank Credit Card ₹500 + Taxes 7.5% cashback on Myntra (capped ₹4,000/quarter); 5% on Flipkart &... No Lounge Access (Discontinued Jun 2025) 4.5/5
ICICI Amazon Pay Credit Card Free 5% on Amazon (Prime members); 3% (non-Prime); 2% on Amazon Pay... No Lounge Access 4.5/5

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