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Last updated: 01-06-2026

HDFC Bank

HDFC Millennia Credit Card

"5% cashback on 10 top brands — perfect for digital-first millennials"

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Quick Summary

💳 Joining Fee

₹1,000 + GST

🔄 Renewal Fee

₹1,000 + GST

Waived: Waived on annual spends of ₹1 lakh or more in previous membership year

🎯 Best Suited For

Millennials and young professionals who frequently shop on Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber, BookMyShow, Tata CLiQ, SonyLIV, and Cult.fit

🎁 Reward Type

CashPoints (1 CashPoint = ₹1 for statement redemption; expires after 2 years)

🎉 Welcome Benefit

1,000 CashPoints (worth ₹1,000) credited on payment of joining membership fee

💰 Reward Rate

5% cashback (as CashPoints) on Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber, BookMyShow, Tata CLiQ, SonyLIV, and Cult.fit; 1% cashback on all other eligible spends; both categories capped at 1,000 CashPoints per billing cycle each (total max ₹2,000/month)

✈️ Lounge Access

1 complimentary domestic lounge visit per quarter on spending ₹1 lakh in that quarter (milestone benefit). Can also be earned as quarterly milestone reward choice.

💵 Cashback Rate

5% on 10 partner brands; 1% on all other eligible spends

✅ Pros

5% cashback on 10 most popular everyday brands in India
Covers shopping, food, cab, entertainment, fitness, and OTT in one card
1% cashback on all other eligible spends
Low ₹1L annual fee waiver threshold
Welcome CashPoints worth ₹1,000 on joining
Quarterly ₹1,000 voucher on ₹1L quarterly spend

❌ Cons

Monthly CashPoints cap of 1,000 per category limits heavy spenders
CashPoints expire in 2 years
Redemption fee of ₹50 per request (from August 2024)
Lounge access requires ₹1L quarterly spend — very high threshold
No travel benefits or forex perks
Excludes fuel, rent, EMI, wallet loads from cashback

🎁 Rewards & Benefits

Reward Type

CashPoints (1 CashPoint = ₹1 for statement redemption; expires after 2 years)

Welcome Benefits

1,000 CashPoints (worth ₹1,000) credited on payment of joining membership fee

Reward Rate

Reward Redemption

Redeem CashPoints via HDFC NetBanking or SmartBuy portal. Statement redemption: 1 CashPoint = ₹1 (min 2,500 points; ₹50 fee from August 2024). SmartBuy travel/products: 1 CashPoint = ₹0.30. Points expire after 2 years from accrual.

Fuel Surcharge Waiver

1% fuel surcharge waiver; max ₹250 per billing cycle

Lounge Access

1 complimentary domestic lounge visit per quarter on spending ₹1 lakh in that quarter (milestone benefit). Can also be earned as quarterly milestone reward choice.

Spend Based Fee Waiver

Annual renewal fee waived on ₹1 lakh spend in previous year

Milestone Benefits

₹1,000 gift voucher OR 1 complimentary domestic airport lounge visit on spending ₹1 lakh per calendar quarter; 10% additional savings on hotel and flight bookings via SmartBuy

Other Benefits

Up to 20% off dining via Swiggy Dineout; PayZapp and SmartBuy cashback on select purchases; contactless payment; Smart EMI facility

✨ Special Perks & Exclusive Offers

Memberships

Details coming soon

Insurance Cover

Zero lost card liability on immediate reporting

Add-on Cards

Add-on cards available for family members

Concierge Services

Details coming soon

Special Offers

Exclusive offers during HDFC Bank festive sales; extra SmartBuy discounts on hotels and flights

💳 Fees & Interest Rates

Joining Fee

₹1,000 + GST

Annual Fee / Renewal Fee

₹1,000 + GST
✓ Waived on: Waived on annual spends of ₹1 lakh or more in previous membership year

Interest Rate (APR)

💡 Pay your balance in full each month and this never applies to you.

3.6% per month (43.2% per annum)

ATM Cash Withdrawal / Cash Advance

2.5% of withdrawn amount, minimum ₹500

Late Payment Charges

₹100 (due up to ₹500); ₹500 (₹501–₹5,000); ₹750 (₹5,001–₹10,000); ₹950 (₹10,001–₹25,000); ₹1,100 (₹25,001–₹50,000); ₹1,300 (above ₹50,000)

Over Limit Charges

2.5% of overlimit amount, minimum ₹550

Cheque Bounce / Auto-Debit Return

Details coming soon

Other Charges

CashPoints redemption fee: ₹50 + GST per redemption request (from August 2024); 1% fee on certain spending categories from July 2025 as per HDFC Bank policy

📋 Eligibility & Credit Limit

Eligibility Criteria

Age 21–60 years (salaried), up to 65 years (self-employed); salaried minimum monthly income ₹35,000; self-employed minimum annual ITR ₹6 lakh; good credit history required

Credit Score Requirement

750+ CIBIL score recommended

Credit Limit

Based on income and HDFC Bank credit assessment; typically ₹75,000 and above