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HDFC Millennia Credit Card
HDFC Bank

HDFC Millennia Credit Card

5% CashPoints on Amazon, Flipkart, Swiggy, Zomato & 6 more

Joining fee₹1,000 + GST
Annual fee₹1,000 + GST
NetworkVisa
Forex markup3.5%
LoungeYes
Best forCashback
Apply on issuer site Compare
Details checked October 2026

01Rewards

Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, SonyLIV, Swiggy, Tata CLiQ, Uber, Zomato5% CashPoints, capped at 1,000/month
Other spends1% CashPoints, capped at 1,000/month

Redemption: 1 CashPoint = ₹1 as statement credit (min. 500 points; up to 3,000 points/month).

02Fees, benefits & charges

Fee waiver
Renewal waived on ₹1 lakh annual spend
Welcome benefit
1,000 CashPoints on paying the joining fee
Milestones
₹1,000 voucher for every quarter with ₹1 lakh spend
Airport lounges
1 domestic visit per quarter on ₹1 lakh spend in the previous quarter
Forex markup
3.5%
Fuel
1% surcharge waiver, capped at ₹250/cycle
No rewards on
Fuel, rent, EMI, wallet loads, government spends; partner brands paid via PayZapp/SmartBuy earn only 1%

03Highlights & watch-outs

Highlights

  • Covers the 10 apps most Indians use weekly
  • Simple 1:1 statement credit
  • Unchanged through HDFC’s 2026 revisions

Watch out for

  • Both reward tiers capped at 1,000/month
  • 3.5% forex
  • Redemption fee applies

Suits: Online shoppers who split spend across Amazon, Flipkart and food apps.

04FAQs

What is the annual fee of the HDFC Millennia Credit Card?
The annual fee is ₹1,000 + GST, and the joining fee is ₹1,000 + GST. Renewal waived on ₹1 lakh annual spend
Does the HDFC Millennia Credit Card offer airport lounge access?
1 domestic visit per quarter on ₹1 lakh spend in the previous quarter
What is the forex markup on the HDFC Millennia Credit Card?
The foreign currency markup is 3.5%.
Which spends don’t earn rewards on the HDFC Millennia Credit Card?
Fuel, rent, EMI, wallet loads, government spends; partner brands paid via PayZapp/SmartBuy earn only 1%.
ⓘBefore you apply: fees and rewards above were checked in October 2026 from issuer pages and public sources. Banks can change terms at any time — the issuer’s application page is the final word. Approval depends on the bank’s own checks.
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HDFC Millennia₹1,000 + GST
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