HDFC
HDFC Millennia Credit Card
VisaRuPayMastercardCredit CardPremiumAvailable⭐ Featured
Apply Now →Annual Fee
₹1,000
Best Reward
5%
Lounge Access
Yes
Min Income
₹4.2L
Highlights
- • Earns 5% CashBack on ten named online merchants including Amazon, Flipkart, Swiggy, Zomato, Myntra, and BookMyShow, with no offer time restriction stated.
- • Offers a Welcome Benefit of 1,000 CashPoints on payment of the joining membership fee, adding immediate value.
- • Joining and renewal membership fee is fully waived by spending ₹1,00,000 or more in the preceding year.
Things to note
- • CashBack is capped at 1,000 CashPoints per calendar month for both the 5% and 1% spend categories, limiting maximum monthly rewards.
- • CashBack is not earned on Fuel, EMI, Wallet loads, Rent Payments, and Government-related transactions, excluding several common spend categories.
- • CashBack redemption against statement balance is capped at 3,000 Reward Points per calendar month, restricting large redemptions.
Who is this card for?
Aimed at young, digitally active spenders. Eligible applicants are salaried or self-employed individuals aged 21–40 with minimum income of ₹35,000/month (salaried) or ITR above ₹6 lakh/year (self-employed).
About this card
A cashback-focused card offering 5% CashBack on ten popular online merchants (Amazon, Flipkart, Swiggy, Zomato, Myntra, BookMyShow, Cult.fit, Sony LIV, Tata CLiQ, Uber) and 1% CashBack on most other eligible spends. Also provides a quarterly milestone gift voucher worth ₹1,000 on spends of ₹1,00,000+ per calendar quarter, a 1% fuel surcharge waiver, up to 20% dining savings via Swiggy Dineout, and contactless payment support.
Base Rate
1%Cashback
₹1 per pointCap: ₹1,000/Monthly
Applies to offline/online spends outside the 5% list, including prepaid card/gift card/wallet load/voucher purchases and SmartBuy/PayZapp transactions.
Exclusions: Fuel, EMI, Rent, Government transactions, Cash Advances, payment of outstanding balances, payment of card fees/charges.
Merchant Rates
Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, Zomato
5%
Cashback
Cap: ₹1,000/Monthly
Applies only on the ten named online merchants, calculated based on Terminal/Merchant IDs (TID/MID) shared by the merchant partner, Uber 5% applies only to travel/commute.
Exclusions: EMI transactions on these merchants.
Total estimated annual value₹3,000 / yr
⛽
Fuel Surcharge Waiver
₹3,000 / yrFuel
1% waiver on fuel transactions between ₹400–₹5,000, max ₹250/statement cycle. GST not reversed.
Transaction ₹400–₹5,000.
Exclusions: Outside that range, GST never waived.
🍽️
Dining Privilege via Swiggy Dineout
Dining
Up to 20% savings at 20,000+ restaurants via Swiggy Dineout (inclusive of restaurant + Swiggy discount).
Valid only via Swiggy App payments.
Exclusions: Not valid outside the app.
✈️
Domestic Airport Lounge Access (Voucher-Based)
Lounge
Per official MITC, Millennia offers lounge access via vouchers tied to the Quarterly Spends Milestone. Voucher must be downloaded from the portal and presented at the lounge.
Only after meeting the quarterly spend milestone.
Exclusions: Not a direct swipe-based benefit.
Joining
Waived if ₹1,00,000+ spent in 12 months before renewal
₹1,000
Annual
Renewal fee waived on same ₹1 lakh/year spend condition
₹1,000
Cash Advance
₹500 / 2.5%, whichever higher Billed next statement, also attracts finance charges from withdrawal date
₹500 + 2.5%
Forex Markup
separate 1.75% DCC markup on INR txns overseas (w.e.f. 15 May 2026)
3.5%
Salaried
GuidelineNet/Gross Monthly Income > ₹35,000.
₹4,20,000/yr · 21–40 yrs
Self-Employed
GuidelineITR > ₹6,00,000 per annum.
₹6,00,000/yr · 21–40 yrs
🎁Welcome Bonus
Welcome CashPoints
Check terms for expiry
₹1,000 value (1,000 CashPoints), applicable only on payment of joining fee; Redeemable at 1 CashPoint = ₹1 above a 500-point minimum.
🎁Welcome Bonus
Quarterly Spend Milestone Voucher
Check terms for expiry
₹1,000/qualifying quarter on ₹1,00,000+ spend; Calendar quarters Jan–Mar/Apr–Jun/Jul–Sep/Oct–Dec; Net of reversals.
Good to know
- • Minimum transaction of ₹100 is required to earn CashPoints. Redeemed CashPoints against statement balance are valued at 1 CashPoint = ₹1, but against SmartBuy travel/catalogue redemptions the value drops to 1 CashPoint = ₹0.30. Unredeemed CashPoints expire after 2 years.
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