HDFC Bank Millennia Credit Card
A cashback card in CashPoints: 5% on ten online merchants including Amazon, Flipkart, Myntra, Swiggy and Zomato, 1% elsewhere, each capped at 1,000 CashPoints a month. Every figure below is copied from HDFC Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-15.
Not on record from an official document: foreign-currency markup. CardWise does not estimate these.
Fees and charges
| Joining fee | ₹1,000 plus GST Product page |
|---|---|
| Annual fee | ₹1,000 plus GST Fee schedule |
| Annual fee waiver | On ₹1,00,000 of spend in the year Product page |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | Not on record |
| Reward redemption fee | ₹50 plus GST MITC |
Rewards
Cashback.
| Spend | Earns | Cap |
|---|---|---|
| 5% on ten merchants (Amazon, Flipkart, Myntra, Swiggy, Zomato and others) | 5% cashback Terms | up to ₹1,000 a month Terms |
| Other spends | 1% cashback Terms | up to ₹1,000 a month Terms |
Paid as CashPoints: ₹1 each against the statement (₹50 + GST per redemption request), ₹0.30 on SmartBuy travel.
CashPoints accrue on transaction amounts in multiples of ₹100.
No rewards on
Benefits
- Lounges: One domestic lounge voucher in a quarter, in place of the ₹1,000 milestone voucher — ₹1 lakh of spend in the calendar quarter Terms
- Fuel: 1% fuel surcharge waived on fills of ₹400 to ₹5,000, up to ₹250 a statement cycle Product page
- Welcome: 1,000 CashPoints if the joining fee is paid Terms
- Milestone: ₹1,000 gift voucher (or a domestic lounge voucher) each calendar quarter with ₹1 lakh of spend Terms
Eligibility
- Age 21 or above Product page
- Age 40 or below Product page
- Salaried: net monthly income above ₹35,000 Product page
- Self-employed: income tax return above ₹6 lakh a year Product page
Not published by HDFC Bank in the documents read
- the card network
- a RuPay variant for UPI
Where HDFC Bank’s documents differ, and what is used
- Gift card and voucher purchases: the 20 Jul 2026 terms say both that they count as other spends and that they earn 1%; not modelled.
- Minimum transaction: the MITC says CashPoints accrue only on multiples of ₹100; the FAQ says there is no minimum.
The quotes behind the figures
26 figures, each copied from an official HDFC Bank document.
Show every quote and source
“Joining/Renewal Membership Fee – ₹1,000/- + Applicable Taxes”
“Joining/renewal membership fee: ₹1,000 plus applicable taxes.”
“Spend over ₹1,00,000 in a year before renewal to get your Credit Card fee waived.”
“10 online merchants qualifying for 5% CashBack are Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber & Zomato”
“The Cardholder can earn up to 1,000 CashPoints under the 5% CashBack on 10 online merchants in a calendar month.”
“The redemption against the statement balance will be at the rate of 1 CashPoint = 1, and can be done via Net Banking login, Phone Banking, or physical redemption form.”
“1% cashback on all other spends excluding Fuel, Wallet, EMI, govt, rental transactions.”
“The Cardholder can earn up to 1,000 CashPoints under the 1% CashBack on other spends in a calendar month.”
“CashPoints shall not be eligible for the following spends on the card, o Fuel Spends o Rent payments and Govt Related transactions o Cash Advances o Payment of Outstanding Balances o Payment of card fees and other charges o Smart EMI / Dial an EMI transaction”
“With effect from 1st January 2023, Rent payments and Government related transactions will NOT earn Reward Points.”
“Effective 1st September 2024, Wallet loading and EMI transactions will NOT earn Reward Points. Wallet MCC: 6540”
“Effective 1st September 2024, Education payments made through third-party apps will NOT earn Reward Points. However, education payments made directly through college/school websites or their POS machines will earn Reward Points.”
“following spends/transactions on the card, o Fuel Spends o Rent payments and Govt Related transactions o Cash Advances o Payment of Outstanding Balances o Payment of card fees and other charges o All EMI transactions(even if preclosed) including Smart EMI / Dial an EMI transaction”
“For BizFirst Credit Card / Millennia / Tata Neu Credit Cards, Reward Points/ CashPoints are earned on transaction amounts in multiples of 100, residual amount or transaction below 100 will not earn CashPoints.”
“Complementary lounge access on Millennia credit card is discontinued effective midnight of 30th Nov 2023 23:59:59.”
“Unredeemed CashPoints will expire/lapse after 2 years of accumulation.”
“g. Cashback Redemption Charges: A Processing fee of Rs. 50 + GST will be charged per cashback redemption request.”
“Lounge access on Millennia credit card is integrated into Quarterly Spends Milestone program.”
“1% fuel surcharge waiver at all fuel stations across India (on minimum transaction of ₹400 & maximum transaction of ₹5,000. Maximum waiver of ₹250 per statement cycle)”
“1% Fuel Surcharge waiver on fuel transactions (Minimum transaction of 400, Maximum transaction of 5,000 & Maximum waiver of 250 per statement cycle).”
“Welcome Benefit of 1000 CashPoints will be given to the cardholder if the joining membership fee is paid.”
“Customers spending Rs. 1 Lakh or more in a calendar quarter are eligible for gift voucher worth Rs. 1000.”
“Age: Minimum 21 years & Maximum 40 years”
“Income: Net Monthly Income > ₹35,000”
“Income: ITR > ₹6 Lakh per annum”
“You can choose any of the following easy options to apply for your HDFC Bank Credit Card:”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with HDFC Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is HDFC Bank’s own file from its website, unaltered, fetched 2026-10-15. Methodology