HDFC Bank · Entry · cashback card
HDFC Bank Millennia Credit Card
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You'll land on the issuer's official application portal at linksredirect.com — if a different card is shown first, use its card selector to pick this one.
Overview
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.
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
Joining fee
₹1,000 + applicable taxes (First Year Membership Fee).
Verified · HDFC Bank Millennia Credit Card product page · 2026-07-26 · source
Annual / renewal fee
₹1,000 + applicable taxes annual membership fee.
Verified · HDFC Bank Millennia Credit Card product page · 2026-07-26 · source
Fee waiver
Renewal fee waived on spending ₹1,00,000 or more in the preceding 12 months before renewal date.
Verified · HDFC Bank Millennia Credit Card product page · 2026-07-26 · source
Renewal fee
₹1,000 + applicable taxes (Renewal Membership Fee).
Verified · HDFC Bank Millennia Credit Card product page · 2026-07-26 · source
Rewards
- 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 · 2026-07-25 · source
Plain math
₹20,000/month on the ten brands hits the full ₹1,000 monthly cap — ₹12,000 a year, plus up to ₹4,000 in quarterly vouchers, against a fee most users get waived. Spending more on those brands earns nothing extra.
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 · 2026-07-25 · source
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) · 2026-07-25 · 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 · 2026-07-25 · source
Travel & lounge
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 · 2026-07-25 · source
Dining, golf, concierge, insurance, milestones & welcome
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 · 2026-07-25 · source
Golf
Standard golf benefits where applicable.
Dining
Curated dining program.
Insurance
Travel + purchase insurance.
Airline
8 domestic lounge visits/yr (2/qtr).
Milestones
₹1K voucher on ₹1L/qtr.
Last reviewed 2026-05-21 — confirm on official page
Dining benefit
10% additional discount on Swiggy Dineout using coupon code HDFCCARDS.
Verified · HDFC Bank - Millennia Credit Card product page · 2026-07-25 · 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 · 2026-07-25 · 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 · 2026-07-25 · source
Charges & interest
Forex markup
3.50% of the transaction value.
Verified · HDFC Bank - Key Fact Statement (updated 15 Dec 2025) · 2026-07-25 · 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) · 2026-07-25 · source
Interest-free period
Up to 50 days from the date of purchase.
Verified · HDFC Bank - Millennia Credit Card product page · 2026-07-25 · source
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the HDFC Bank Millennia Credit Card?
Officially traced: Rs. 1,000 + applicable taxes annual membership fee.
HDFC Bank Millennia Credit Card product pageWhat is the joining fee on the HDFC Bank Millennia Credit Card?
Officially traced: Rs. 1,000 + applicable taxes (First Year Membership Fee).
HDFC Bank Millennia Credit Card product pageIs the HDFC Bank Millennia Credit Card annual fee ever waived?
Renewal fee waived on spending Rs. 1,00,000 or more in the preceding 12 months before renewal date.
HDFC Bank Millennia Credit Card product pageHow does the HDFC Bank Millennia Credit Card earn rewards?
5% CashBack on Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, Uber, BookMyShow, Sony LIV and Cult.fit.
HDFC Bank - Millennia Credit Card product pageWhat lounge access does the HDFC Bank Millennia Credit Card include?
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).
HDFC Bank - Millennia Credit Card product pageWhat welcome benefit does the HDFC Bank Millennia Credit Card offer?
Reward Points equal to the membership fee paid - 1,000 CashPoints (₹1,000) - credited on payment of the joining fee.
HDFC Bank - Millennia Credit Card product pageWhat are the transfer ratios for HDFC Bank Millennia Credit Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.hdfcbank.com/personal/pay/cards/credit-cards/millennia-credit-card.
Verified · HDFC Bank Millennia Credit Card product page · 2026-07-26 · source
Verified 2026-07-26 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.
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