Route spending through Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, Uber, BookMyShow, Sony LIV and Cult.fit.
Earn 5% cashback (5 CP/₹100) here — 5.0% back vs the base rate. Zero-effort multiplier if the card fits your habits.
Mid-tier · Cashback
HDFC BANK · HDFC MILLENNIA CREDIT CARD
HDFC Millennia Credit Card
ANNUAL FEE
₹1,000 waived at ₹1L spend
FIRST-YEAR NET VALUE
₹29,480 for a mid spender · travel
HDFC BANK HDFC Millennia
Updated 17 Sep 2026 4 verified sources Data is current
01 ELIGIBILITY
Can I get this card?
Meet these thresholds and you're likely to be approved. Final call is HDFC Bank's.
MONTHLY INCOME ₹0.3L+ Salaried or self-employed
CREDIT SCORE 700+ Good band
AGE 21 – 65 Primary or add-on applicant
RESIDENCY Indian PAN, Aadhaar + income proof
02 FIT
Is this card for me?
We've modeled this card's value for a default urban spender. Tweak the persona to see how it shifts — or personalize with your real spends.
DEFAULT PERSONA · MID SPENDER · TRAVEL
₹29,480 first-year net value · mid spender · travel
Category rewards ₹24,480
Milestone bonus· Gift vouchers + ₹4,000
Welcome benefit· Welcome reward points ₹1,000
Annual fee − ₹1,000
Fee waiver (met)· Annual fee waived for next year ₹1,000
Net first-year value ₹29,480
03 EARN
What will I earn?
Base rate, accelerated categories, milestones, and what each reward point is actually worth when you redeem.
BASE REWARD RATE
≈ 1.00% back on eligible spends 1 pts 1 points per ₹100
NOT ELIGIBLE Fuel · rent · wallets · utility · government
ACCELERATED CATEGORIES Up to 5.0% back
Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, Uber, BookMyShow, Sony LIV and Cult.fit 5% cashback (5 CP/₹100) · 5.0%
Everything else (base) · 1.0%
MILESTONES Cumulative bonuses at annual spend tiers
₹4L Gift vouchers
04 MAXIMIZE · YOUR EDGE
How do I extract every rupee?
Plays grounded in this card's specific levers. Updated each time HDFC Bank tweaks the program.
Line up your ₹1L before renewal.
Crossing ₹1L in the anniversary year waives the ₹1,000 fee — automatic for spenders at ₹8,333+/month. Watch your pace in months 10–12.
05 COSTS
What will I pay?
Fees, transaction charges, interest rates — all inclusive of taxes where noted.
FEES
Charges below are base amounts; GST applies where applicable.
Joining fee ₹1,000 · + 18% GST · one-time
Annual fee (year 2+) ₹1,000 · waived at ₹1L spend
Add-on cards Up to 3 free
TRANSACTION CHARGES
Foreign currency markup 3.5%
Finance charges (purchase) 3.49% per month · ~42% APR
Late payment ₹100 – ₹1,300 · based on outstanding
06 BENEFITS
What else comes with it?
Non-reward perks — lounges, dining, golf, insurance, concierge. Worth factoring into the total value, even when hard to price.
Airport lounges
4 domestic visits per year. Primary cardholder.
Welcome voucher
₹1,000 Welcome reward points.
Travel cover
Air accident cover, lost-card liability, emergency card replacement abroad.
07 FAQ
Common questions
For a spender who hits the ₹1L waiver, yes — the net value is positive. For a casual spender, the math gets tight and a lower-tier card may fit better. See the Fit section above.
08 WHAT CHANGED
How HDFC Millennia Credit Card has changed.
Last verified 17 Sep 2026.
- 17 Sep 2026 Removed the 2.5% other-online tier (the product page lists only 5% on partner brands and 1% on other spends); domestic lounge access corrected from 8 free visits a year to a quarterly milestone choice (one lounge voucher OR ₹1,000 voucher on ₹1L quarterly spend), i.e. at most 4 a year. Fee ₹1,000 + taxes, ₹1L waiver, fee-equivalent welcome points re-verified. Online-heavy profiles lose the 2.5% tier in the score; lounge value drops and now competes with the milestone voucher
- 1 Aug 2024 Redemption fee of ₹50 introduced for statement credit Reduced value proposition for cashback redemptions
- 1 Aug 2024 New transaction charges for rent, utilities, fuel via third-party apps Additional costs for certain payment methods
- 1 Dec 2023 Lounge access revised and integrated with quarterly spend milestones More structured lounge access based on spending
HOW WE KEEP THIS CURRENT
Last verified 17 Sep 2026. Sources: HDFC Bank Millennia Credit Card product page, HDFC Bank Millennia Credit Card fees and charges page, HDFC Bank Millennia Credit Card eligibility page, hdfc.bank.in. Next scheduled review: 17 Mar 2027.