HDFC Millennia Credit Card
HDFC Bank Millennia Credit Card is a popular digital-first cashback credit card designed for online shoppers, offering up to 5% cashback on major partner brands.
Cashback Fit Score
95/100
Joining Fee
₹1,000
Annual Fee
₹1,000
Reward Rate (%)
1 – 5
Statement credit
Forex Markup
3.5%
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CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
34/35
Fee Value & ROI
20/25
Lounge & Perks
11/20
Forex & Access
8/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
HDFC Millennia Credit Card Benefits
HDFC Millennia Credit Card Rewards
How you earn back on every swipe
cashback
Reward type
1% – 5%
Earn rate
₹2,000
Monthly cap
24 months
Point expiry
₹2,000
Monthly cap
HDFC Millennia Credit Card Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other statutory charges are detailed in the official Most Important Terms and Conditions (MITC).
5% reward bucket is capped at 1,000 CashPoints per calendar month, worth ₹1,000 when redeemed against the statement
HDFC Millennia Credit Card Lounge Access
Airport perks included with this card
1 per quarter
Domestic lounge visits
0 per year
International lounge visits
Things to Keep in Mind
- fuel
- Rent
- wallet reloads
- government payments
- wallet loading
- Easy EMI
- education payments (direct payments to school/college website or POS can earn rewards)
Card Features
Fee Waiver Spend Simulator
Simulate your spend to check waiver eligibility
Spend ₹0/mo more (or ₹4 more per year) to waive the renewal fee.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
HDFC Millennia Credit Card Eligibility
Employment type
Pros & Cons
- Strong cashback card for online shopping and lifestyle spends
- Covers many popular merchants including Amazon, Flipkart, Swiggy, and Uber
- Good mix of cashback, lounge access, and milestone benefits
- Lower annual fee compared to premium lifestyle cards
- Quarterly milestone voucher adds extra value for high spenders
- Lounge access makes it more premium than most entry-level cashback cards
- 5% cashback applies only to selected merchants, not all online spends
- Cashback redemption is less seamless than statement-credit cards
- Cashback caps reduce value for heavy spenders
- Lounge access now depends on spend-based eligibility conditions
- Exclusions include rent, fuel, government payments, and some utility categories
- Reward structure is more complex than flat cashback cards like SBI Cashback
Who is this card for?
The HDFC Millennia Credit Card is best suited for online shoppers, young professionals, and moderate spenders who want 5% cashback on top merchant apps like Amazon, Flipkart, Swiggy, Zomato, Myntra, and Uber.
Quick Links
Data last updated 4 Sept 2026
Calculate your exact earnings with HDFC Millennia Credit Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your estimated net return after fees, reward caps and exclusions.
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