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HDFC Bank

HDFC Millennia Credit Card

4.2Best for entertainment

Lounge accessVerifying

Joining fee incl. GST: ₹1,180
Renewal fee incl. GST: ₹1,180
Conditional welcome value: Up to ₹1,000
Forex markup: 3.5%
Interest p.a.: 45%
Min income (salaried): ₹35,000/mo

Welcome benefits depend on the actual offer and qualifying conditions; points and vouchers are not an automatic cash refund. Credited after joining fee is realised

Read our editorial review. The verdict, the working behind the numbers, and who should skip it.Read the review ↓

How this card earns

Reward rates with their qualifying conditions and caps. Use the calculator for a combined estimate.

Calculation coverage is still under review for this card. A recorded benefit does not mean every condition has been included in the estimate.

What still needs confirmation

July reward PDF and current product/MITC lounge wording differ. Voucher/gift-card classification also conflicts within the reward PDF; these inputs are excluded from estimates.

Spend category	Reward rate	Reward limit
Entertainment Only the qualifying merchants or payment route below 5% cashback, credited as CashPoints, on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato, for non-EMI spends only. Capped at 1,000 CashPoints per CALENDAR MONTH (1 CashPoint = Rs.1 against the statement) — HDFC computes CashPoints on a calendar-month basis, not a statement cycle, and posts them in the first week of the following month. Monthly cap shown as the spend at which it binds: 1,000 CashPoints ÷ 5% = ₹20,000 of partner-brand spend. Purchases carrying MCC 6540 (prepaid cards, gift cards and vouchers) are excluded even at these ten merchants, and Uber earns only on travel and commute spends.	5%	₹1,000 shared reward / month
Travel Only the qualifying merchants or payment route below 5% cashback, credited as CashPoints, on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato, for non-EMI spends only. Capped at 1,000 CashPoints per CALENDAR MONTH (1 CashPoint = Rs.1 against the statement) — HDFC computes CashPoints on a calendar-month basis, not a statement cycle, and posts them in the first week of the following month. Monthly cap shown as the spend at which it binds: 1,000 CashPoints ÷ 5% = ₹20,000 of partner-brand spend. Purchases carrying MCC 6540 (prepaid cards, gift cards and vouchers) are excluded even at these ten merchants, and Uber earns only on travel and commute spends.	5%	₹1,000 shared reward / month
Dining Only the qualifying merchants or payment route below 5% cashback, credited as CashPoints, on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato, for non-EMI spends only. Capped at 1,000 CashPoints per CALENDAR MONTH (1 CashPoint = Rs.1 against the statement) — HDFC computes CashPoints on a calendar-month basis, not a statement cycle, and posts them in the first week of the following month. Monthly cap shown as the spend at which it binds: 1,000 CashPoints ÷ 5% = ₹20,000 of partner-brand spend. Purchases carrying MCC 6540 (prepaid cards, gift cards and vouchers) are excluded even at these ten merchants, and Uber earns only on travel and commute spends.	5%	₹1,000 shared reward / month
Online shopping Only the qualifying merchants or payment route below 5% cashback, credited as CashPoints, on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato, for non-EMI spends only. Capped at 1,000 CashPoints per CALENDAR MONTH (1 CashPoint = Rs.1 against the statement) — HDFC computes CashPoints on a calendar-month basis, not a statement cycle, and posts them in the first week of the following month. Monthly cap shown as the spend at which it binds: 1,000 CashPoints ÷ 5% = ₹20,000 of partner-brand spend. Purchases carrying MCC 6540 (prepaid cards, gift cards and vouchers) are excluded even at these ten merchants, and Uber earns only on travel and commute spends.	5%	₹1,000 shared reward / month
Other eligible purchases 1% cashback on all other spends, capped at a SEPARATE 1,000 CashPoints per calendar month — so the two tiers together allow up to 2,000 CashPoints (₹2,000) a month, not 1,000. Excludes fuel, wallet loads, EMI spends, government transactions and rent, which earn nothing. ₹50 fee per statement-credit redemption since Aug 2024. Monthly cap shown as the spend at which it binds: 1,000 CashPoints ÷ 1% = ₹1,00,000 of spend.	1%	₹1,000 shared reward / month

Excluded from ordinary earning: Fuel, Rent. Specific qualifying offers, if any, are listed above.

Rates apply only to the merchants and conditions described. Shared ceilings cannot be added across rows. Points and vouchers are valued at the stated redemption assumption; use the spending calculator for a combined estimate.

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
₹4,00,000	₹1,000 gift voucher or one domestic airport lounge access voucher (choose one, not both) on spends of ₹1,00,000 or more in each calendar quarter — up to ₹4,000 a year across four quarters. Stated annualised, as this file's other sub-annual milestones are: the ₹4,00,000 threshold is four quarters of ₹1,00,000 under even spending, and the quarterly mechanic is what the issuer publishes (HDFC Bank, Millennia product page, read 9 September 2026).	₹4,000

Key benefits

Airport lounge access — 1/quarter domestic (One domestic lounge access voucher on spends of ₹1,00,000 or more in a calendar quarter, taken in lieu of the ₹1,000 milestone gift voucher — the two are alternatives, not both.)
5% cashback on ten partner brands — Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato — capped at 1,000 CashPoints a calendar month
1% cashback on other eligible purchases, capped at a separate 1,000 CashPoints a calendar month
Quarterly ₹1 lakh spending can qualify for a ₹1,000 voucher. The lounge alternative conflicts across issuer documents and must be confirmed.
1% fuel surcharge waiver (₹400–₹5,000 txns, max ₹250/cycle)
Redemption values: 1 Reward Point = ₹1 as cashback against the statement balance, ₹0.30 on SmartBuy flight and hotel bookings, ₹0.30 as AirMiles and up to ₹0.30 against the rewards catalogue. A minimum of 500 Reward Points is required for statement redemption.
Cashback redemption is capped at 3,000 Reward Points a calendar month, and unredeemed Reward Points lapse after two years
Contactless payments
Issuer documents conflict on lounge presentation: the July 2026 reward PDF says complimentary access ended, while the current product page and September MITC retain a spend-linked voucher route. Confirm the available quarterly voucher in your account.

What we like

+Strong 5% cashback on popular online brands
+Low annual fee with easy ₹1 lakh spend waiver
+Quarterly ₹1,000 voucher at ₹1 lakh spend; confirm the lounge alternative because issuer documents conflict
+Good all-rounder for online shoppers

What to watch

−Cashback capped at 1,000 CashPoints per calendar month in each tier, so the 5% stops after ₹20,000 of partner-brand spend a month
−Only 1% on offline/other spends
−₹50 redemption fee for statement credit
−High 3.5% foreign currency markup
−HDFC publishes a maximum applicant age of 40 for this card, salaried and self-employed alike

Our full review

Millennia can suit purchases at its named partner merchants. The 5% rate is capped, and the ₹1,000 quarterly benefit requires ₹1 lakh of qualifying spending in that quarter. Neither benefit is automatically the larger one.

Reviewed by Thompson Cherian · how we rate cards · all card reviews

Who this is for, and who should skip it

A shopper whose spending matches the named merchants and who can use the reward redemption options. Check the bank’s application age and income criteria before comparing returns: it publishes an applicant age range of 21–40 and net monthly salary of ₹35,000 for salaried applicants.

What the issuer terms say

HDFC’s Millennia page describes 5% CashPoints on eligible named-merchant purchases, with a ₹1,000 calendar-month ceiling, and 1% on other eligible purchases with a separate shared ₹1,000 ceiling. At ₹8,000 of qualifying 5% spending a month, the annual cashback is ₹4,800. Four quarterly ₹1,000 vouchers total ₹4,000, so the milestone is smaller in that example.

What it earns you — the maths

These are total monthly budgets, not necessarily amounts charged entirely to this card. They repeat for a full year, with card bills paid in full. UPI is separate from the other categories; a non-RuPay card earns nothing on that part. No specific shopping app, bill-payment channel or travel portal is assumed. Select those in the calculator if you use them. Annual reward value is expressed in rupees, not in points.

Profile	Monthly budget	Annual reward value (₹)	First-year net value	Renewal-year net value
Everyday spender	₹35,000	₹3,120	₹1,940	₹3,120
Online-first shopper	₹55,000	₹5,640	₹8,460	₹9,640
Frequent traveller	₹1,10,000	₹10,440	₹13,260	₹14,440

Reading the table: a negative net value is a cost. First year = rewards + eligible first-year milestones − joining fee including GST. Renewal year = rewards + eligible annual milestones − renewal fee including GST, with a modelled spend waiver where earned. Welcome offers are excluded until their conditions are confirmed. Milestone vouchers are assumed usable at face value; reduce their value if you would not use them.

Everyday spender, renewal year: ₹3,120 reward value + ₹0 milestones − ₹0 fee (spend waiver met) = ₹3,120.
Online-first shopper, renewal year: ₹5,640 reward value + ₹4,000 milestones − ₹0 fee (spend waiver met) = ₹9,640.
Frequent traveller, renewal year: ₹10,440 reward value + ₹4,000 milestones − ₹0 fee (spend waiver met) = ₹14,440.

The monthly splits, in the order groceries / online shopping / dining / fuel / travel / bills / UPI, are:

Everyday spender: ₹9,000 / ₹7,000 / ₹4,000 / ₹3,000 / ₹2,000 / ₹4,000 / ₹6,000.
Online-first shopper: ₹8,000 / ₹22,000 / ₹8,000 / ₹3,000 / ₹4,000 / ₹5,000 / ₹5,000.
Frequent traveller: ₹12,000 / ₹15,000 / ₹12,000 / ₹6,000 / ₹40,000 / ₹8,000 / ₹17,000.

Points are converted at the comparison values, which can differ from cash redemption. These estimates exclude redemption fees, transaction rounding, refunds, financing costs and benefits such as lounges or insurance. Merchant exclusions and transaction timing can change the result.

Provisional calculation: some earning conditions or ceilings for this card remain under review. The figures are a comparison estimate, not a complete forecast or a guaranteed saving.

The fee and renewal decision

The standard joining fee is ₹1,000 + GST = ₹1,180. The standard renewal fee is ₹1,000 + GST = ₹1,180. Renewal fee waived on annual spends of ₹1,00,000 or more A welcome voucher is a restricted benefit, not an automatic refund of the fee or GST. Compare the first-year cost separately from the cost of renewal. Check your own offer if it says lifetime free or first year free.

The important conditions

The July 2026 reward document says complimentary lounge access ended, while the product page and September MITC retain a quarterly lounge-voucher option. Confirm the available benefit in your account; do not count both a shopping voucher and lounge access for the same milestone.

The quarterly benefit is a choice between a ₹1,000 voucher and a lounge-access voucher, not both. Calendar quarters and statement cycles are different periods. Each qualifying quarter must independently reach ₹1 lakh; a large purchase in one quarter does not qualify the other three. CashPoints are valued at ₹1 here only for the card’s eligible cashback redemption route.

Alternatives

Amazon Pay ICICI removes the annual-fee question for Amazon shoppers. SBI Cashback is worth comparing for purchases across eligible online merchants.

How we verified this

This is a desk review of issuer material, not a claim of first-hand card ownership. We have removed unsupported generalisations about what other holders report. This review was corrected on 10 September 2026 for the claims discussed above. A review update is not certification of every benefit or future offer. Unresolved calculation coverage is labelled in the examples. Use the issuer’s dated notice or your specific offer where it differs from a general product page.

The linked issuer material above supports the key earning or eligibility claims. The card’s full details and source list include its other published terms. Our methodology separates editorial opinions from calculated estimates. No customer-review average is claimed.

That is our full read on the HDFC Millennia Credit Card. The terms are HDFC Bank's to change — check the current ones on their page before you apply.

Apply on HDFC Bank →

If you apply through our link, we may earn a commission from the issuer at no extra cost to you. It never affects our ratings — how we make money.

Frequently asked

Is the quarterly milestone always worth more than the 5% cashback?

No. It depends on eligible merchant spending and whether every quarter qualifies. The ₹8,000-a-month example gives ₹4,800 cashback versus ₹4,000 in four milestone vouchers.

Do these examples include GST and welcome benefits?

Standard joining and renewal fees include 18% GST in the calculations. First year deducts the joining fee once; renewal year deducts the renewal fee after a modelled spend waiver. Unconfirmed welcome offers are excluded.

Are reward values the same as cash in my bank account?

Not necessarily. Statement cashback, Amazon Pay balance, points, miles and vouchers have different redemption rules. Use the value of the redemption you will actually make, and subtract its charges.

Can I rely on the example to predict my exact statement?

No. It is a monthly estimate with stated assumptions, not a transaction-by-transaction simulation. Merchant codes, caps, excluded payments, refunds, statement dates and rounding can change the result. Use the calculator with your own spending and confirm the issuer’s current terms before applying or renewing.

Eligibility

Age 21–40
Salaried income ₹35,000/mo (≈₹4,20,000/yr)
Self-employed ₹6,00,000/yr (≈₹50,000/mo)

HDFC states the same age band for both applicant types (product page, read 31 August 2026): age 21-40. Salaried applicants need net monthly income above ₹35,000; self-employed applicants need ITR above ₹6 lakh per annum. The age ceiling of 40 is unusually low and is the constraint that disqualifies most applicants who clear the income bar.

Check HDFC Bank's current criteria and the source notes. Meeting a published minimum is not approval — the issuer decides every application on its own criteria, including your credit history. How we source this

Verification

Record last checked 2026-09-10 — being re-checked against the issuer's latest pages.

This date does not certify every article or calculation. Read the specific product terms below.

Compare to my spending

Head-to-head

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HDFC Millennia Credit Card head-to-head

The matchups this card is most often weighed against, each settled on net annual value computed for three real spending patterns.

HDFC Millennia Credit Card vs SBI Cashback Credit Card

India's two favourite everyday cashback cards — flat online cashback vs brand-boosted rates.

HDFC Millennia Credit Card vs Axis Bank ACE Credit Card

The ₹1,000-class everyday cashback decision is a ceiling: Millennia's 5% is capped at ₹20,000 of partner-brand spend a month, while ACE pays 1.5% on everything with no cap — so a month concentrated at the ten brands goes to Millennia, and a broad one goes to ACE.

All head-to-head matchups →