HDFC Millennia Credit Card: Fees, Rewards & Benefits
Online Shopping card
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A popular mid-tier cashback card paying 5% on ten major online platforms with ₹1-value CashPoints and 8 lounge visits for a ₹1,000 fee. The 1,000-point monthly cap and exclusion of utilities/rent keep it firmly an online-shopping specialist.
Online Shopping card
The Bottom Line
The Millennia is built for online shopping regular and mid-tier value seeker. With a ₹1,000 annual fee that is waived on ₹1,00,000 yearly spend, it offers 5% rewards on amazon, bookmyshow, cult.fit, flipkart, myntra, sony liv, swiggy, tata cliq, uber, zomato (online) and 1,000 bonus points. It makes the most sense if your spending matches online shopping regular and mid-tier value seeker.
It earns a base reward rate of 1% and stacks best when your spending lines up with Online shopping regular, Mid-tier value seeker. The renewal fee gets easier to justify once you can hit ₹1,00,000 in yearly spend.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealAnyone who spends up to ₹20,000/month across Amazon, Flipkart, Swiggy and the other 8 partners can max the 5% cashback within the 1,000-point cap.
Earners around ₹4.2 Lakhs wanting ₹1-value cashback plus 8 lounge visits at a reasonable ₹1,000 fee.
Probably not for
SkipThe 1,000-point monthly cap means high online spenders quickly fall back to the 1% base rate.
Recurring utilities, education, insurance and rent earn nothing, so bill-heavy users gain little.
Is It Worth It For You?
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Reward Rates
Millennia offers 1% basic reward rate.
Quick Calculator
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Welcome Offer
1,000 CashPoints (=Rs.1,000 at redemption) credited on successful payment of the joining/membership fee -- there is no separate spend requirement to trigger this. No CashPoints are posted for renewal-fee payments.
Milestone Benefits
Gift voucher worth Rs.1,000 (cardholder chooses from options such as BigBasket, BookMyShow, Pizza Hut, PVR, Uber via Gyftr) on achieving net spends (spend minus reversals) of Rs.1 lakh or more within a calendar quarter (Jan-Mar, Apr-Jun, Jul-Sep, Oct-Dec). Voucher SMS/email trigger within 30 working days; voucher selection window is 120 days from trigger.
Annual/renewal fee of Rs.1,000+GST is waived if net spend of Rs.1,00,000 or more is achieved in the preceding cardmembership year.
Fees & Charges
Eligibility
- Min Income: ₹6 Lakhs
- Min ₹35,000/month salaried or ITR >₹6 lakh self-employed; annual fee ₹1,000 waived on ₹1 lakh annual spend.
Exclusions & Terms
Forex markup
- Foreign currency markup
EMI
- No CashPoints earned on any EMI transactions (even if preclosed), including Smart EMI / Dial-an-EMI.
CASH_ADVANCE
- No CashPoints earned on cash advances/withdrawals, or on payment of outstanding balances, card fees or other charges.
Frequently Asked Questions
2 data-backed answers from our card database
Ready to apply?
₹1,000 annual fee. Apply on the HDFC Bank website.
Apply on HDFC Bank →We may earn a commission if you apply through this link. It never affects our ratings.
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