HDFC Bank
HDFC Bank Millennia Credit Card
Best for online-shopping, cashback
₹1,000/yr annual fee · 5x rewards
By FinWiz24 Research Desk · Reviewed by FinWiz24 Research Desk · How we review
Annual fee
₹1,000/yr
Reward rate
5x
Min. income
₹6,00,000
Forex markup
Not published
Lounge access
Domestic + international
Eligibility
₹6 lakh/yr · CIBIL 750+
Reward cap
₹2,000/month
Welcome benefit
₹1,000 gift voucher OR 1 domestic lounge visit on quarterly spends of ₹1,00,000
Who is this for
- Online shopper
- Cashback seeker
What we like
- Unlimited international lounge access
- Milestone vouchers or extras
Watch out for
- ₹750 late-payment fee
- 2.5% cash-advance fee
Issuer
Headquarters
Mumbai, Maharashtra
Established 1994
Website
www.hdfcbank.comFees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Renewal fee | ₹1,000 | Waived on annual spends ≥ ₹1,00,000 |
| Joining fee | ₹1,000 | Not waivable |
| Annual fee | ₹1,000 | Spend ₹1,00,000 or more in the first year |
| Forex markup | Not published | Not waivable |
| Late payment | ₹750 | Not waivable |
| Cash advance | 2.5% of amount | Not waivable |
| Fuel surcharge | 1% | 1% surcharge waived on fuel between ₹400 and ₹5,000 |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| ONLINE | 5.00 | ₹2,000/month | 0.50 |
| All spends | 5% cashback on Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, Uber, BookMyShow, Sony LIV, Cult.fit; 1% on other… | Capped at 2,000 reward points per statement cycle on the accelerated 5% category (as per earlier T&C; current page only states 1% on other spends) | 1 CashPoint ≈ ₹0.25 value when redeemed via SmartBuy / statement credit / product catalogue |
| SHOPPING | 5.00 | ₹2,000/month | 0.50 |
Benefits
-
Domestic lounge access
Up to 4 domestic lounge visits per year (1 per quarter) via milestone-based lounge vouchers
-
International lounge access Highlight
None
-
Milestone benefits Highlight
₹1,000 gift voucher OR 1 domestic lounge visit on quarterly spends of ₹1,00,000
-
Fuel surcharge waiver
1% waiver on fuel transactions between ₹400 and ₹5,000; max ₹250 per statement cycle
Eligibility
- Age
- 21–60 years
- Min. income
- ₹6,00,000
- Min. credit score
- 750+
- Score note
- Good credit score preferred
- Employment
- Salaried, self-employed
- Documents
- PAN, Aadhaar, latest salary slips / ITR, bank statements, passport/utility bills for address
HDFC Bank Millennia Credit Card is a VISA credit card from HDFC Bank. It is best suited for online-shopping, cashback.
Fees and rewards
- Annual fee: ₹1000
- Joining fee: ₹1000
- Rewards: 5X rewards on Amazon/Flipkart/Myntra; 1X on others
Eligibility
PAN, Aadhaar, latest salary slips / ITR, bank statements, passport/utility bills for address
Card data is compiled from the issuer’s published fee schedules and is reviewed weekly. High-confidence record. Status: active.
Step-by-step application guide: Read the HDFC Bank Millennia Credit Card apply walkthrough →
Apply for HDFC Bank Millennia Credit Card
Last reviewed · How we review
FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.
← All credit cards · All HDFC Bank cards · All Visa cards
