HDFC Bank · Entry cashback card
HDFC Bank Millennia Credit Card
India's most widely held cashback card: 5% back on ten big online brands (Amazon, Flipkart, Swiggy, Zomato, Uber and more). The headline rate is real — but monthly caps and a growing exclusion list decide whether it's actually worth it for you.
Fees & welcome
Joining fee
₹1,000 + applicable taxes.
Verified · HDFC Bank - Millennia Fees and Charges · 2026-06-19 · source
Annual / renewal fee
₹1,000 + applicable taxes.
Verified · HDFC Bank - Millennia Fees and Charges · 2026-06-19 · source
Fee waiver
Renewal fee waived on spends of ₹1,00,000 or more in the year before renewal.
Verified · HDFC Bank - Millennia Fees and Charges · 2026-06-19 · source
Welcome benefit
Reward Points equal to the membership fee paid - 1,000 CashPoints (₹1,000) - credited on payment of the joining fee.
Verified · HDFC Bank - Millennia Credit Card product page · 2026-06-19 · source
Earn rates
- 5% CashBack on Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, Uber, BookMyShow, Sony LIV and Cult.fit.
- 1% CashBack on all other spends.
- Up to 10% CashBack across 200+ brands via SmartBuy / PayZapp Shop.
Verified · HDFC Bank - Millennia Credit Card product page · 2026-06-19 · source
Lounge & forex
Lounge access
1 domestic airport lounge visit per calendar quarter, unlocked on ₹1,00,000 of spend in that quarter (taken in place of the ₹1,000 milestone voucher).
Verified · HDFC Bank - Millennia Credit Card product page · 2026-06-19 · source
Forex markup
3.50% of the transaction value.
Verified · HDFC Bank - Key Fact Statement (updated 15 Dec 2025) · 2026-06-19 · source
Who it's for
Best for
- Online-first spenders whose monthly spends on the ten brands sit near ₹20,000.
- First-card users wanting simple cashback with an easily-waived fee.
- Anyone pairing it with a travel card — Millennia covers the online-brand bucket.
Not ideal for
Heavy spenders who blow past the ₹1,000/month caps, anyone expecting lounge access without the quarterly milestone, and miles collectors — there are no transfer partners and airmile redemption craters to ₹0.30/point.
Fees & charges
Interest-free period
Up to 50 days from the date of purchase.
Verified · HDFC Bank - Millennia Credit Card product page · 2026-06-19 · source
Charge
- Finance charge 3.75% per month (45% per annum) on revolving balances and cash advances.
- Cash advance fee 2.5% of the amount or ₹500, whichever is higher.
- Dynamic currency conversion markup 1% on rupee transactions made at international locations or at India-registered overseas merchants. 1% fuel surcharge waiver on fuel transactions of ₹400 to ₹5,000, capped at ₹250 per statement cycle.
- A 1% fee (capped at ₹4,999) applies to rent payments, fuel spends above ₹15,000, utility spends above ₹50,000 per month, and education payments via third-party apps.
- Cashback redemption against the statement carries a ₹50 fee.
- Reward-catalogue redemption carries a ₹99 + taxes fee.
Verified · HDFC Bank - Key Fact Statement (updated 15 Dec 2025) · 2026-06-19 · source
Rewards
Reward cap
- Accelerated cashback is capped at 1,000 CashPoints per calendar month on the 5% online-brand spends, plus a further 1,000 CashPoints per calendar month on the 1% other-spends category.
- Cashback redemption against the statement is capped at 3,000 CashPoints per calendar month (minimum 500 points).
- Flight and hotel bookings can be paid up to 50% with points, capped at 50,000 points per month.
- Up to 70% of select products/vouchers can be paid with points.
Verified · HDFC Bank - Millennia Terms and Conditions (published 25 Apr 2025) · 2026-06-19 · source
Redemption value
- 1 CashPoint = ₹1 as statement credit.
- On SmartBuy flight and hotel bookings, airmiles and the rewards catalogue, 1 CashPoint = ₹0.30.
- Unredeemed points expire after 2 years.
Verified · HDFC Bank - Millennia Credit Card product page · 2026-06-19 · source
Reward exclusion
Wallet loading, Easy EMI and education payments earn no Reward Points (effective 1 September 2024).
Verified · HDFC Bank - Millennia Credit Card product page · 2026-06-19 · source
Milestone benefit
On spends of ₹1,00,000 or more in a calendar quarter, get a ₹1,000 gift voucher (or choose 1 domestic airport lounge access instead).
Verified · HDFC Bank - Millennia Credit Card product page · 2026-06-19 · source
Travel & lifestyle
Dining benefit
10% additional discount on Swiggy Dineout using coupon code HDFCCARDS.
Verified · HDFC Bank - Millennia Credit Card product page · 2026-06-19 · source
Eligibility
Eligibility
- Salaried: Indian national, age 21-40, net monthly income above ₹35,000.
- Self-employed: Indian national, age 21-40, annual ITR above ₹6 lakh.
Verified · HDFC Bank - Millennia Credit Card product page · 2026-06-19 · source
Official sources
Verified 2026-06-19 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.