HDFC BankHDFC Millennia Credit Card
Earn rewards and benefits with HDFC Millennia Credit Card.
Top Category Performance
Cashback (95/100)
Joining Fee
₹1,000
Annual Fee
₹1,000
Reward Rate (%)
1 – 5
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
1
Points / ₹100
₹1
Per point
24 months
Point expiry
₹3,000
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 charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.
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
- wallet reloads
- government payments
- wallet loading
- Easy EMI
- education payments
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
Quick Links
Data last updated 13 Aug 2026
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Calculate your exact earnings with HDFC Millennia Credit Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your guaranteed net return after annual fees.