HDFC Millennia credit card

HDFC Millennia

HDFC Bank · Visa

HDFC Millennia is ideal for online shoppers with 5% cashback on Amazon, Flipkart, and other online spends.

Annual Fee

₹1,000

Waived at ₹1.0L spend

Joining Fee

₹1,000

Base Reward Rate

1X

₹0.5/pt

Min CIBIL

700

₹3L+ income

Key Features

5% CashPoints on Amazon, Flipkart, Myntra, BookMyShow, Tata CLiQ, Swiggy, Uber & Zomato
1% CashPoints on all other online and offline spends
CashPoints redeemable as statement credit at ₹0.30 per point
Quarterly milestone: 2,500 bonus CashPoints on ₹25,000 spend
Annual fee waived on ₹1 lakh spend in previous membership year
2 complimentary domestic lounge visits per quarter (on ₹50,000+ quarterly spend)
Zero fuel surcharge at HPCL petrol pumps
Contactless tap-and-pay enabled

Welcome Benefits

✓

1,000 Bonus CashPoints on First Spend

Earn 1,000 CashPoints (worth ₹300 as statement credit) on your first transaction within 90 days of card issuance

✓

5% Cashback for First 90 Days

Enjoy enhanced 5% CashPoints on all partner merchant spends during the first 3 months

Reward Rates by Category

Dining

1X

Travel

1X

Online

5X

Shopping

1X

Grocery

1X

Fuel

1X

Utilities

1X

Other

1X

Partner Earn Rates

PartnerCategoryEarn Rate
AmazonOnline Shopping5X
FlipkartOnline Shopping5X
MyntraFashion5X
BookMyShowEntertainment5X
Tata CLiQOnline Shopping5X
SwiggyFood Delivery5X
ZomatoFood Delivery5X
UberCab5X

Milestone Benefits

₹25,000

2,500 Bonus CashPoints

Spend ₹25,000 in a calendar quarter to earn 2,500 bonus CashPoints — worth ₹750 as statement credit

Quarterly

Airport Lounge Access

Domestic

4 visits/year

International

0 visits/year

Insurance & Protection

Credit Shield

Outstanding dues waived in case of accidental death of primary cardholder

Outstanding balance up to ₹9 Lakhs

Purchase Protection

Covers theft or accidental damage of items purchased with the card within 90 days

Up to ₹50,000

Pros

  • 5% cashback on online spends (Amazon, Flipkart, etc.)
  • 1% on other spends
  • 4 domestic lounge visits/year
  • Fuel surcharge waiver
  • Good for digital spenders

Cons

  • Low cap on cashback (Rs 750/month)
  • Low offline reward rate
  • No international lounge

Redemption Options

Cashback

Standard₹0.5/pt

Statement credit

Standard₹0.5/pt

Frequently Asked Questions

What is the annual fee for HDFC Millennia?+
₹1,000 per year. Waived if you spend ₹1 lakh or more in the previous membership year.
Which merchants give 5% CashPoints?+
Amazon, Flipkart, Myntra, BookMyShow, Tata CLiQ, Uber, Swiggy and Zomato. All other spends earn 1% CashPoints.
How are CashPoints redeemed?+
Redeem against your statement at ₹0.30 per point via HDFC NetBanking. Also redeemable for flights, hotels and vouchers on SmartBuy portal. Minimum 2,500 points.
Is there an airport lounge benefit?+
Yes — 2 complimentary domestic lounge visits per quarter if you spent ₹50,000+ in the previous quarter.
What is the quarterly milestone benefit?+
Spend ₹25,000 in a calendar quarter to earn 2,500 bonus CashPoints worth ₹750 as statement credit.

Ready to apply?

Apply on the HDFC Bank website. Usually takes 10 minutes.

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HDFC Millennia

₹1,000/yr · 1X rewards