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HDFC Millennia Credit Card
HDFC Bank

HDFC Millennia Credit Card

★ 4.2 / 5 ⓘ How we rate

5% cashback on Amazon, Flipkart, Swiggy, Zomato & more

✅ Verified Oct 2026 from HDFC Bank's official terms →

Joining: ₹1,000Annual: ₹1,000🎁 1% – 5% cashback
Apply Now — it's free → 🔒 You'll apply on HDFC Bank's secure page · takes ~5 minutes

✍️ Checked by Deepak Kumar, CardSwipe · updated Oct 2026

Why people love it

💸
5% cashbackon 10 popular brands
🛒
1% cashbackon all other spends
🎁
₹1,000 voucherevery ₹1L quarter
👤
Perfect for

Young professionals using popular shopping & food apps

Key benefits

  • 5% cashback on Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, Uber, BookMyShow, Sony LIV, Cult.fit
  • 1% cashback on all other spends
  • ₹1,000 gift voucher (or a lounge visit) every quarter you spend ₹1 lakh
  • Up to 10% extra cashback on 200+ brands via SmartBuy
  • 1% fuel surcharge waiver (up to ₹250 per bill)
Like these benefits?Apply online in about 5 minutes.
Apply Now →

What's great

  • Easy fee waiver at ₹1 lakh/year
  • 1 point = ₹1 as statement credit
  • Good first HDFC card

Good to know

  • Redemption capped at 3,000 points per month (min 500)
  • Lounge only via quarterly milestone
  • ₹50 fee per redemption

Quick facts

Fee waiverRenewal fee waived on ₹1 lakh yearly spend
Lounge access1 domestic/quarter via milestone
Min. income₹4 lakh/year
Age21 – 60 years
Credit score720+
NetworkVisa
Forex markup3.5%
Joining fee₹1,000 + GST

How to apply

1Pick a cardCompare benefits & fees in simple words
2Apply onlineOn the bank's secure page — about 5 minutes
3Get your cardInstant digital card on many, plastic by post

Keep these ready

  • 🪪 PAN card
  • 🆔 Aadhaar (for e-KYC / video KYC)
  • 📄 Income proof — salary slip or ITR (not needed for FD-backed cards)
Fees & charges (fine print)
Interest on unpaid bill3.75%/month (45% p.a.)
Foreign currency markup3.5%
Cash withdrawal fee2.5% (min ₹500)
Late payment fee₹0 – ₹1,300 by bill amount
  • 1% fee on rent payments
  • ₹50 reward redemption fee
  • 18% GST applies on all fees

💡 Pay your full bill before the due date and you pay zero interest.

Read official bank terms (MITC) ↗

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❓ HDFC Millennia — common questions

Is the HDFC Millennia Credit Card lifetime free?

No. It has a joining fee of ₹1,000 and an annual fee of ₹1,000 (plus 18% GST). Renewal fee waived on ₹1 lakh yearly spend.

What rewards does the HDFC Millennia Credit Card give?

1% – 5% cashback. 5% cashback on Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, Uber, BookMyShow, Sony LIV, Cult.fit.

Who is eligible for the HDFC Millennia Credit Card?

Minimum income: ₹4 lakh/year. Age: 21 – 60 years. Credit score: 720+. Final approval is decided by the bank.

Does the HDFC Millennia Credit Card give airport lounge access?

Yes — 1 domestic/quarter via milestone.

What is the forex markup on the HDFC Millennia Credit Card?

3.5% on foreign currency spends (plus GST).

Who should get the HDFC Millennia Credit Card?

Young professionals using popular shopping & food apps.

Explore💸 Cashback Cards🛍️ Shopping Cards🌱 First Credit Card🔷 HDFC Bank Cards

Approval is at the bank's discretion. Check final terms on the bank's page before applying.

HDFC Bank MillenniaApply in ~5 min
Apply Now →