HDFC Bank
HDFC Millennia Credit Card
Your rating
Community rating
Joining Fee
₹1,000
Annual Fee
₹1,000
Reward Rate
1% – 5%
Forex Markup
3.5%
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Key Benefits
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
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.
Travel & 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
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
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 19 May 2026