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HDFC Bank
HDFC Millennia Credit Card
4.2Best for online shopping
Lounge access
- Joining fee
- ₹1,000
- Annual fee
- ₹1,000
- Welcome bonus
- ₹1,000
- Forex markup
- 3.5%
- Interest p.a.
- 45%
- Min income
- ₹35,000/mo
How this card earns
Reward rates by category, with caps and an estimated yearly value.
| Spend category | Reward rate | Monthly cap | Est. value/yr |
|---|---|---|---|
Online shopping 5% cashback (as CashPoints) on Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, Uber, BookMyShow, Cult.fit, Sony LIV. Capped at 1,000 CashPoints per statement cycle (1 CashPoint = ₹1). | 5% | ₹1,000 | ₹600 |
Everything else 1% cashback on all other spends, also capped at 1,000 CashPoints per statement cycle. ₹50 fee per statement-credit redemption since Aug 2024. | 1% | ₹1,000 | ₹120 |
| All other spends | 1% | — | ₹1,200 |
Estimated yearly value assumes ₹10,000/month spend in each category, capped where the card caps rewards.
Fees & charges
Joining fee₹1,000
Annual fee₹1,000
Annual fee waiverRenewal fee waived on annual spends of ₹1,00,000 or more
Foreign currency markup3.5%
Finance charge (p.a.)45%
Fuel surcharge waiver1%, up to ₹250/mo
Spend milestones
| Annual spend | Benefit | Value |
|---|---|---|
| ₹1,00,000 | ₹1,000 gift voucher or airport lounge access voucher on ₹1,00,000 spend in a calendar quarter (choose one) | ₹1,000 |
Key benefits
- Airport lounge access — 1/quarter domestic (Lounge access voucher available on spending ₹1,00,000 in the previous calendar quarter (in lieu of milestone gift voucher))
- 5% cashback on 10 popular online brands (capped ₹1,000/cycle)
- 1% cashback on all other spends (capped ₹1,000/cycle)
- Quarterly ₹1,000 milestone voucher or lounge access on ₹1 lakh quarterly spend
- 1% fuel surcharge waiver (₹400–₹5,000 txns, max ₹250/cycle)
- Contactless payments
What we like
- +Strong 5% cashback on popular online brands
- +Low annual fee with easy ₹1 lakh spend waiver
- +Quarterly milestone voucher / lounge access
- +Good all-rounder for online shoppers
What to watch
- −Cashback capped at 1,000 CashPoints per statement cycle per category
- −Only 1% on offline/other spends
- −₹50 redemption fee for statement credit
- −High 3.5% foreign currency markup
Compare with similar cards
- Top reward
- 33%
- Annual fee
- ₹12,500
- Welcome bonus
- ₹12,500 value
HDFC BankHDFC Bank Diners Club Black Credit Card
- Top reward
- 33.33%
- Annual fee
- ₹10,000
