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HDFC Bank Millennia Credit Card

Name: HDFC Bank Millennia Credit Card
Brand: HDFC Bank
Price: 1000 INR
Availability: InStock

HDFC Bank

Joining Fee₹1,000Renewal Fee₹1,000Waived at ₹1,00,000 annual spend

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Last verified: 24 Sept 2026

Reward Program

CashPoints1 point = ₹1.00

Category	Earn Rate	Monthly Cap
Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, Uber, BookMyShow, Sony LIV and Cult.fit	5%	No cap
SmartBuy and PayZapp	10%	No cap
HDFC SmartBuy - flight and hotel bookings (channel, not an MCC: merchant hdfc-smartbuy-travel)	5%	₹1,000/monthly
All other spends	1%	No cap

Redemption fee: 99

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Managed via HDFC Bank SmartBuy, HDFC Bank NetBanking

Transfer partners

Statement cashback — 1 CashPoint = ₹1, the strict Rule 5 maximum, but capped at 3,000 CashPoints a calendar month and requiring a minimum of 500 points.Flights and hotel bookings via SmartBuy — 1 CashPoint = ₹1, capped at 50,000 a calendar month, and points may cover at most 50% of the booking.Rewards catalogue on SmartBuy — up to ₹0.30 a point, under a third of the top rate.

Live Offers

305 active

Travellers JourneyUp to Rs15,000 Off on HDFC Bank Cards

₹15,000 offTJHDFC15Till 31 Dec

Thomas CookGet upto 12,000 Instant Discount with HDFC Bank Credit Cards on Thomas Cook Holidays

₹12,000 offTill 31 Dec

SotcGet upto INR 12,000 Instant Discount on your Holiday Bookings with HDFC Bank Credit Cards

₹12,000 offTill 31 Dec

Reliance DigitalGet Flat Rs. 6,000 Discount on Apple Iphone 17 & 17 Pro at Reliance Digital with EASYEMI o

₹6,000 offTill 31 Dec

CromaGet Flat ₹4,000 discount on Apple Iphone 17 & 17 Pro models with EASYEMI on HDFC Bank Cred

₹4,000 offTill 31 Dec

View all 601 offers

Benefits

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Lounge Access

1 domestic visits/quarter

0 international visits/quarter

Lounge access is milestone-based: 1 domestic visit per calendar quarter on ₹1 lakh of quarterly spend, and it is an ALTERNATIVE to the ₹1,000 gift voucher rather than additional to it.

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Fuel Surcharge Waiver

Fuel earns NO Reward Points on this card. HDFC also charges 1% on fuel transactions above ₹15,000, capped at ₹4,999 per transaction, w.e.f. 1 October 2025.

Milestone Benefits

Spend ₹1,00,000/quarter₹1,000 gift voucher OR 1 domestic lounge access₹1,000 total by this tier · 1.00% effective rate

Reward Calculator

Assumes the best-paying merchant everywhere, so read it as a ceiling rather than an average.

Variant

What this card is worth

Open a section and enter what you actually spend. Everything updates as you type.

Fees & Charges

Joining Fee	₹1,000/yr
Renewal Fee	₹1,000/yr
Fee Waiver	Spend ₹1,00,000/year
Forex Markup	3.5%
Interest Rate	45% p.a.
Cash Advance Fee	2.5% of the amount withdrawn, subject to a minimum of ₹500.
Reward Redemption Fee	99

In the News

Priya Menon · 11d ago

HDFC Millennia Review 2026: 5% Cashback Partners, 1% Base, Caps & FAQs

HDFC Millennia earns 1 CashPoint per ₹1 at ₹1 — a 1% base — with 5% at Amazon, Flipkart, Swiggy, Zomato and more, and 10% on SmartBuy and PayZapp. Redemption caps, fees and FAQs.

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