HDFC Bank
HDFC Bank Millennia Credit Card
Cashback as CashPoints worth ₹1 each against your bill: 5% at 10 online merchants (Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber, BookMyShow, Tata CLiQ, Cult.fit, Sony LIV) and 1% on most other spends, each capped at ₹1,000 a month. Fuel, rent, wallet loads, EMI and government payments earn nothing.
- ₹1,000 joining, ₹1,000 a year
Pros and cons
Good
- 5% on online shopping: 2nd of 23 online shopping and groceries cards we compare
- Fee pays for itself from about ₹3,300 a month of online shopping
- Annual fee waived at ₹1,00,000 of spend a year
- Low income bar: ₹25,000 a month
Watch out for
- Earns nothing on fuel, wallet loads, rent and government payments
- Lounge visits need about ₹33,300 of spend a month
- High forex markup (3.5%)
- Can't be used on UPI (not a RuPay card)
- Who it's for
- People who spend about ₹3,300 or more a month on online shopping and use airport lounges.
- Skip it if
- You spend under ₹3,300 a month on online shopping, or you need a card for UPI.
Worked out from the bank's published terms with the same rules for every card, never from what we earn. How we judge cards.
Rewards (value back as % of spend)
- Everyday spends
- 1% (base rate)
- Online shopping
- 5%
- Fuel
- 0%
- Groceries
- 1%
- Travel
- 1%
- Bills and utilities
- 1%
- Dining and food delivery
- 5%
Fees and charges
- Joining fee
- ₹1,000
- Annual fee
- ₹1,000
- Fee waiver
- Renewal fee waived if you spend ₹1 lakh or more in the year before your renewal date. Paying the joining fee earns 1,000 CashPoints (worth ₹1,000 as statement credit). No joining fee waiver is offered.
- Forex markup
- 3.5%
- Fuel surcharge waiver
- 1% waiver on fuel transactions of ₹400 to ₹5,000, capped at ₹250 per statement cycle. A 1% fee applies to single fuel transactions above ₹15,000.
Benefits and eligibility
- Airport lounge
- No free lounge access. Each calendar quarter you spend ₹1 lakh, you can choose one domestic airport lounge voucher instead of the ₹1,000 gift voucher, so up to 4 visits a year.
- Card network
- Not published by the bank
- UPI payments
- No
- Minimum income (salaried)
- ₹25,000 a month
- Eligibility
- Salaried: age 21-60, gross monthly income above ₹25,000. Self-employed: age 21-65. HDFC Bank's FAQ for this card gives different figures (salaried: net monthly income above ₹35,000 and age up to 40; self-employed: ITR above ₹6 lakh a year and age up to 40), and its eligibility section shows ₹26 lakh a year for self-employed applicants, so confirm with the bank. Approval at HDFC Bank's discretion.
Fees exclude GST. Reward rates are the value back you get at the bank's published redemption value; where a bank doesn't publish what a point is worth, we leave the rate blank rather than guess. See how we compare cards.
Compare it with other cards
Ready to apply for the HDFC Bank Millennia Credit Card?
Apply nowVia our referral partner. We may earn a commission.CreditParakh is not a bank or lender. Approval, limits and final terms are decided by HDFC Bank.
Related guides
- How to Choose a Credit Card by Your SpendingPick a credit card by what you spend: what a reward point is worth, caps, lifetime free vs paid fee maths, UPI, lounges and eligibility, with ₹ examples.
- CIBIL Score: Check Free, Improve in 90 DaysCheck your CIBIL score free with one full report a year from each bureau, dispute errors yourself, and build a better score with a 90-day checklist.
Questions people ask
Is the HDFC Bank Millennia Credit Card worth it in 2026?
Yes, if you spend about ₹3,300 or more a month on online shopping and use airport lounges. Below that, the CheQ AU Credit Card (AU Small Finance Bank) pays 2.5% for free. The catch: earns nothing on fuel, wallet loads, rent and government payments.
Is the HDFC Bank Millennia Credit Card lifetime free?
No. It costs ₹1,000 to join and ₹1,000 a year, plus GST. Renewal fee waived if you spend ₹1 lakh or more in the year before your renewal date. Paying the joining fee earns 1,000 CashPoints (worth ₹1,000 as statement credit). No joining fee waiver is offered.
Does the HDFC Bank Millennia Credit Card work on UPI?
No. Only RuPay credit cards can be linked to UPI, and this isn't one.
Does the HDFC Bank Millennia Credit Card give airport lounge access?
No free lounge access. Each calendar quarter you spend ₹1 lakh, you can choose one domestic airport lounge voucher instead of the ₹1,000 gift voucher, so up to 4 visits a year.
What earns no rewards on the HDFC Bank Millennia Credit Card?
No CashPoints on fuel, rent, government payments, wallet loads, EMI transactions (including purchases later converted to EMI, even if closed early), cash advances, card fees, online skill-gaming, and education fees paid through third-party apps such as CRED or Cheq (paying the school or college directly still earns). Only each full ₹100 spent earns. HDFC's current terms say in one place that gift card, prepaid card and voucher purchases earn 1% and in another that they don't, so don't count on cashback there.
Is there a limit on rewards with the HDFC Bank Millennia Credit Card?
5% at the 10 partner merchants is capped at 1,000 CashPoints (₹1,000) a calendar month, reached at ₹20,000 of spend there; online spends elsewhere earn 1%. 1% on all other spends is capped at 1,000 CashPoints (₹1,000) a calendar month, reached at ₹1 lakh of spend.
Who can get the HDFC Bank Millennia Credit Card?
The bank publishes a minimum income of ₹25,000 a month for salaried applicants. Salaried: age 21-60, gross monthly income above ₹25,000. Self-employed: age 21-65. HDFC Bank's FAQ for this card gives different figures (salaried: net monthly income above ₹35,000 and age up to 40; self-employed: ITR above ₹6 lakh a year and age up to 40), and its eligibility section shows ₹26 lakh a year for self-employed applicants, so confirm with the bank. Approval at HDFC Bank's discretion. Approval is at the bank's discretion.
How we checked this card: the CreditParakh team read HDFC Bank's own terms and product page on 19 Oct 2026. Every fee, rate and rule above comes from those pages; where they disagree, we say so. We re-check every card monthly and log changes on card changes. See our editorial standards.
Last verified 19 Oct 2026 on HDFC Bank's official page. Fees and rewards change; check the issuer's terms before you apply.