HDFC Bank Millennia Credit Card

HDFC Bank Millennia Credit Card

HDFC Bank Millennia Credit Card

Joining Fees

Renewal Fees

Best Suited For

Reward Type

Welcome Benefit

₹ 1,000 + GST

₹ 1,000 + GST


Reward Points

1,000 CashPoints.

Rewards and Benefits

Welcome Benefits

1,000 CashPoints.

Rewards Rate

  • 5% cashback (as CashPoints) at select partner online merchants.
  • 1% cashback (as CashPoints) on all other spends (except fuel, rental, and govt. related transactions)

Reward Redemption

Rewards processed as CashPoints, 1 CP = Re. 1 while redeeming against the statement balance of the credit card and 1 CP = Rs. 0.30 while redeeming against products and vouchers in the product catalog, and against flight/hotel booking.

Zero Liability Protection

Cardmembers are not liable for any unauthorized spends made on their card if loss of card reported within 3 days.

Spend Based Waiver

The renewal fee is waived off if the cardholder spends Rs. 1 Lakh or more in the previous year.

Movie & Dining

Up to 20% discount at partner restaurants with complimentary Swiggy


4 complimentary airport lounge access every year, 1 per quarter


Get 1% Fuel Surcharge Waiver on Fuel Purchase over ₹400

Domestic Lounge Access

1 Domestic Airport Lounge Access Every Quarter (4 Each Year)

International Lounge Access


Insurance Benefits


Fees & Charges

Rewards Redemption Fee

Rs. 99 per redemption request (plus applicable taxes)

Foreign Currency Markup

3.5% (plus applicable taxes)

Interest Rates

3.6% per month (or 43.2% per annum)

Fuel Surcharge

  • 1% Fuel surcharge which is waived if you spend minimum Rs 400 in single transaction.
  • The maximum CashBack is capped at Rs. 250 per payment cycle.

Cash Advance Charges

2.5% of the transaction amount, subject to a minimum fee of Rs. 500

Add-on Card Fee


Product Details

  • 1,000 CashPoints as a welcome benefit on card setup (subject to realization of the joining fee).
  • Gift vouchers worth Rs. 1000 on spending Rs. 1 Lakh or above in a quarter
  • 5% cashback at select partner online merchants, including popular e-commerce websites like Amazon and Flipkart.
  • 1% cashback on all other spends except fuel, rental, and government spends
  • Up to 20% discount on partner restaurants via Swiggy Dineout
  • 4 complimentary lounge visits every year at domestic airports across India.
  • Renewal fee waiver on spending Rs. 1,00,000 in the previous year.

Pros or Cons


  • Get high 5% cashback on partner merchants like Myntra, Amazon, Zomato, Swiggy, Uber, etc.
  • Get access to 4 complimentary domestic airport lounges with the card
  • Renewal fee waiver on spending Rs. 1 Lakh in the card anniversary year


  • You earn a low 1% cashback on offline/online spends at non-partner merchants
  • The accelerated Cashpoints are capped at 1000 per statement cycle and you can earn 1000 Cashpoints at the normal 1x rate.
  • Minimum 500 Cashpoints are needed to redeem against the card statement balance


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How to Apply

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Eligibility Criteria

  • Age of 18 and 70 years.
  • Resident of India or a Non-Resident Indian

Document Required

  • Color photograph
  • Identity Proof (Aadhaar Card / Driving License / Passport)
  • PAN Card
  • Residence Proof (Ration Card / Electricity Bill /  Telephone Bill / Passport)
  • Proof of income (latest Pay Slip / Form 16 / IT return Copy)

Card Limit

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Application Status

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Card Login

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Card Pin Generation

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Card Review

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