HDFC Millennia Credit Card
HDFC · VISA★4.4/ 5
✓ Details last verified 1 Jan 2025
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The HDFC Millennia is one of India's best all-around mid-tier credit cards. 5% cashback on Amazon, Flipkart, and major e-commerce platforms, 1% on all other spends, and a low ₹1,000 annual fee waived at ₹1 lakh spend — easy to break even in month one.
At a glance
Rewards by category
What you earn on every rupee, per spend category.
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Online Shopping | cashback | 5% | ₹1,000 |
| Dining | cashback | 2.50% | — |
| Travel | cashback | 2.50% | — |
| Other | cashback | 1% | — |
Online Shopping: 5% cashback on partner merchants · Amazon,Flipkart,Myntra,Swiggy,Zomato,BookMyShow,Cult.fit,Tata CLiQ
Dining: 2.5% cashback on dining
Travel: 2.5% cashback on travel
Other: 1% cashback on all other spends
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying.
LATE PAYMENT FEE
| Outstanding balance | Late fee |
|---|---|
| Up to ₹500 | Nil |
| ₹501 – ₹5,000 | ₹500 |
| ₹5,001 – ₹10,000 | ₹750 |
| ₹10,001 – ₹25,000 | ₹900 |
| ₹25,001 – ₹50,000 | ₹1,100 |
| Above ₹50,001 | ₹1,300 |
Perks & benefits
Estimated annual value beyond rewards.
2 complimentary domestic lounge visits per quarter
₹1,000 voucher on spending ₹1.5L in a year
Who is this card for?
- 💳Mid tier — a solid all-rounder for steady monthly spend.
- 🎯Strongest value if you spend heavily on Online Shopping (5% back).
- ✈️Frequent travellers benefit from the included airport lounge access.
👍 Pros
- ✓5% CashPoints on Amazon, Flipkart, Myntra, Swiggy, Zomato
- ✓Annual fee waived easily at ₹1L spend
- ✓CashPoints redeemable at ₹1 per point — no portal needed
- ✓UPI linked for everyday payments
👎 Cons
- ✕5% cashback capped at ₹1,000/month on partner platforms
- ✕3.75% forex markup — not ideal for international use
Eligibility & documents
DOCUMENTS REQUIRED
- 📄PAN card
- 📄Aadhaar / valid address proof
- 📄Latest 3 months bank statement
- 📄Income proof — salary slips (salaried) or ITR (self-employed)
- 📄Recent passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Statement credit / cashback adjustment
- 🎁Online rewards catalogue (vouchers, merchandise)
- 🎁Flight & hotel bookings via the issuer rewards portal
- 🎁Airline / hotel partner point transfers (on eligible cards)
What your cashback are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Direct cash adjustment — no conversion
Frequently asked questions
What is the annual fee for the HDFC Millennia Credit Card?+
The annual fee is Rs 1000, which is waived on annual spends of Rs 100000.
What is the foreign currency markup?+
The forex markup is 3.50% on international transactions.
Is there a fuel surcharge waiver?+
Yes — a 1.00% fuel surcharge waiver, up to Rs 250 per statement cycle.
What is the minimum age and income to apply?+
Applicants must be at least 21 years old with a minimum income of Rs 25000 per month.
SOURCES & VERIFICATION
Fees, reward rates, and benefits for the HDFC Millennia Credit Card are taken from HDFC's official Most Important Terms & Conditions (MITC) and fee schedule — see the issuer's official page. Last verified 1 Jan 2025. Reviewed for accuracy by CardAdvisor Editorial Team. Card terms change often — always confirm current details on the issuer's site before applying. How we research & review →
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Read more
Guides and reviews related to this card.
Terms & reward changes
Tracked updates to this card's fees, rewards and benefits — newest first.
- 📄 UpdateEffective 1 Sept 2025
HDFC Millennia CashPoints redemption minimum raised from 500 to 1,000 CashPoints. Points already accrued are unaffected.
- 📉 Reward rate changeEffective 1 Aug 2025
HDFC Millennia now caps the 5% CashPoints earn on e-commerce partner platforms at ₹1,000 per statement cycle. Spends above the cap earn the standard 1% rate.
5% CashPoints on Amazon, Flipkart, Myntra (uncapped)→5% CashPoints on Amazon, Flipkart, Myntra (capped ₹1,000/month)
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