Visa, Mastercard, RuPay, Diners Club 📡 Contactless NFC

HDFC Bank Millennia Credit Card

Joining Fee₹1,000

Annual Fee₹1,000

Forex Markup 3.5%

Apply & Earn ₹500 →

⚖️ Card Verdict & Target Persona

Who Should Apply

Millennials and online shoppers looking for 5% flat statement cashback (1 CashPoint = ₹1) on Amazon, Flipkart, Swiggy, and Zomato alongside RuPay UPI support.

Who Should Avoid

High spenders constrained by the ₹1,000 monthly 5% cashback cap or travelers seeking international lounge visits.

🎁 Key Features & Highlights

✨

Exclusive Platform Reward

LTFCards Bonus

Claim an Amazon Gift Voucher worth up to ₹500 directly upon successful card approval.

Claim ₹500 & Apply →

🎉

Joining & Activation Welcome Gift

1,000 CashPoints (worth ₹1,000) upon payment of joining fee and realization

5% Cashback on 10 Top Online Brands

5% direct cashback on Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber, BookMyShow, SonyLIV, and Cult.fit (capped at ₹1,000 CashPoints/month).

1% Cashback on Other Spends

1% unlimited cashback on all other online and offline retail transactions (capped at ₹1,000 CashPoints/month).

Domestic Airport Lounge Access

4 complimentary domestic airport lounge visits per calendar year (1 visit per quarter, requires min ₹50,000 quarterly spend).

💰 Reward Structure & Point Valuation

1 CashPoints = ₹1

Standard Base Earning

1% cashback as CashPoints on all other retail transactions (capped at 1,000 CashPoints per calendar month)

Accelerated / Partner Rate

5% direct cashback as CashPoints on 10 merchant partners (Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber, BookMyShow, SonyLIV, Tata CLiQ, Cult.fit), capped at 1,000 CashPoints per calendar month; ₹1,000 gift voucher on ₹1L quarterly spend

Points Validity:24 Months

Redemption Fee: ₹99 + GST / cycle

Redemption Modes: Direct Statement Credit Adjustment (1 CashPoint = ₹1.00, min 500 points), SmartBuy Flights & Hotel Bookings (1 CashPoint = ₹0.30), Product Catalog & Brand Vouchers (1 CashPoint = up to ₹0.35)

🚫 No Reward Points / Cashback on:

Fuel Wallet Loads Government Transactions Rent Payments Jewellery Cash Advances EMI Transactions

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active

🛫

Domestic Lounge Visits4 complimentary domestic airport lounge visits per calendar year (1 visit per quarter)

🌐

International Lounge VisitsNone

⚠️

Spend Criteria: Requires minimum retail spend of ₹50,000 in the previous calendar quarter

⚡ Spend Milestones & Special Perks

Annual Fee Waiver ₹100,000/yr

Annual renewal fee of ₹1,000 is waived off on spending ₹1,00,000 or more in the previous anniversary year

UPI Payments Support✓ Supported (RuPay)

1% CashPoints on all eligible RuPay merchant UPI transactions

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver for transactions between ₹400 and ₹5,000 (Capped at ₹250/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit21 - 60 Years

Min. Monthly Income₹35,000

Min. Credit Score720 CRIF

Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):3.60% per month (43.20% per annum)

Late Payment Penalties:Late payment charges slab-based up to ₹1,300

Official Bank Portal Application

Get the HDFC Bank Millennia Credit Card

Annual Fee: ₹1,000/yr (Waivable)

Apply & Claim ₹500 →

Personalized Card Matcher

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Frequently Asked Questions

No, HDFC Bank Millennia Credit Card has a joining fee of ₹1000 and an annual renewal fee of ₹1000 (plus applicable taxes).

HDFC Bank Millennia Credit Card ₹1,000/yr