HDFC Bank Millennia Credit Card

  • Joining Fee: Rs. 1,000 (plus applicable taxes)
  • Renewal Fee: Rs. 1,000 (plus taxes).
  • Best Suited For: Shopping
  • Reward Type: Reward Points
  • Welcome Benefites: 1,000 CashPoints as a Welcome Benefit.
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A cashback credit by HDFC Bank, the HDFC Bank Millennia Credit Card targets the Gen-Y – the ‘90s kids or the millennials. The HDFC Millennia card is offered in three variants- Visa, MasterCard, and Diners Club variant. Being a basic credit card, this is placed at an annual fee of Rs. 1,000 (taxes extra). Keeping its target customers in mind, HDFC Bank offers a 5% cashback on Amazon, BookMyShow,, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato and a cashback of 1% on all other online and offline spends. The cashback is processed as CashPoints, which can be redeemed against the card’s statement balance, for flight/hotel reservations or for purchasing products from the HDFC product catalog. Also, the card offers great gift vouchers for meeting the milestone spend every quarter. It also offers dining discounts of up to 20% and a fuel surcharge waiver as well. The cardholder can also enjoy the welcome benefits as well as the renewal fee waiver offer associated with the card. Apart from the cashback, you also get complimentary lounge visits to domestic airports in India. Keep reading our HDFC Bank Millennia Credit Card review to know more about the card, its offerings, fees and charges, and other information.

New Features

Spend Based Waiver

The renewal fee is waived off if the cardholder spends Rs. 1 Lakh or more in the previous year.

Interest Rates

3.6% per month (or 43.2% per annum)

Add-on Card Fee


Rewards Redemption Fee

Rs. 99 per redemption request (plus applicable taxes)

Fuel Surcharge

1% Fuel surcharge which is waived if you spend minimum Rs 400 in single transaction. The maximum CashBack is capped at Rs. 250 per payment cycle.

Foreign Currency Markup

3.5% (plus applicable taxes)

Cash Advance Charges

2.5% of the transaction amount, subject to a minimum fee of Rs. 500

Movie & Dining

Up to 20% discount at partner restaurants with complimentary Swiggy Dineout


8 Complimentary airport lounge access every year, 2 per quarter

International Lounge Access


Rewards Rate

5% cashback (as CashPoints) at select partner online merchants and 1% cashback (as CashPoints) on all other spends (except fuel, rental, and govt. related transactions)



Insurance Benefits


Reward Redemption

Rewards processed as CashPoints, 1 CP = Re. 1 while redeeming against statement balance of credit card and 1 CP = Rs. 0.30 while redeeming against products and vouchers in the product catalogue, and against flight/hotel booking.

Domestic Lounge Access

2 complimentary visits per quarter. (8 in a year)

Zero Liability Protection

Zero liability of the credit cardholder in case of fraudulent transactions after you have reported about the loss or theft of the card to the bank.


Get high 5% cashback on partner merchants like Myntra, Amazon, Zomato, Swiggy, Uber, etc. Get access to 8 complimentary domestic airport lounges with the card Renewal fee waiver on spending Rs. 1 Lakh in the card anniversary year


You earn a low 1% cashback on offline/online spends at non-partner merchants The accelerated Cashpoints are capped at 1000 per statement cycle and you can earn 1000 Cashpoints at the normal 1x rate. Minimum 500 Cashpoints are needed to redeem against the card statement balance

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