HDFC Millennia Credit Card
A simple cashback card for people who shop online. You get 5% back at 10 popular apps like Amazon, Flipkart, Swiggy and Zomato, and 1% almost everywhere else, paid as CashPoints worth ₹1 each.
Rewards and cashback
| Where you spend | You earn | Limit |
|---|---|---|
| Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber (rides), BookMyShow, Cult.fit, SonyLIV, Tata CLiQ | 5% as CashPoints | 1,000 CashPoints a month |
| All other spends | 1% as CashPoints | 1,000 CashPoints a month |
| Fuel, rent | Nothing | – |
| EMI, wallet loads, government payments | Nothing | – |
- Buying from these 10 brands through PayZapp or SmartBuy earns only 1%, so pay on the brand’s own app or site.
- 1 CashPoint = ₹1 when you redeem against your statement. Minimum 500 CashPoints, up to 3,000 a month, with a ₹50 redemption fee.
- CashPoints expire after 2 years.
Benefits
Welcome benefit
- About ₹1,000 welcome benefit in the first year, usually after your first spends.
Milestones
- ₹1,000 voucher each quarter when you spend ₹1 lakh in that quarter (up to ₹4,000 a year).
Travel and lounges
- One domestic airport lounge visit per quarter after spending ₹1 lakh in the previous quarter.
- No international lounge access.
Fuel and forex
- 1% fuel surcharge waiver on ₹400 to ₹5,000 transactions, up to ₹250 per statement cycle.
- Forex markup 3.5%. From 15 May 2026, paying in rupees at foreign merchants adds a 1.75% currency conversion fee.
Fees and charges
| Joining fee | ₹1,000 + GST (₹1,180) |
|---|---|
| Annual fee | ₹1,000 + GST, waived on ₹1 lakh yearly spend |
| Interest | 3.75% a month |
| Forex markup | 3.5% |
| Rent and wallet loads | 1% fee on rent, and on wallet loads over ₹10,000 a month (from 1 Jul 2025) |
| Utility bills | 1% fee above ₹50,000 a month |
GST at 18% applies on fees. Banks change charges from time to time; the bank’s own terms are final.
Who can apply
- Age 21 to 40
- Salaried: ₹35,000 a month or more
- Self-employed: check with HDFC Bank
You will usually need PAN, Aadhaar or address proof, and income proof (salary slips or ITR). A credit score of 750 or more improves your chances.
Pros and cons
What we like
- 5% on the apps most people already use
- CashPoints are worth a full ₹1 against your bill
- Easy fee waiver at ₹1 lakh a year
Watch out for
- 5% is capped at ₹1,000 a month
- Fuel and rent earn nothing
- ₹50 fee each time you redeem
Recent changes
- 15 May 2026Currency conversion fee on rupee payments abroad raised from 1% to 1.75%.
- 1 Jul 2025New 1% fees on rent, large wallet loads and utility bills over ₹50,000 a month.
Frequently asked questions
Is HDFC Millennia lifetime free?
No. It costs ₹1,000 + GST a year, but the fee is waived when you spend ₹1 lakh in a card year.
Does HDFC Millennia give cashback on UPI?
No. The Visa Millennia card cannot be linked to UPI, so UPI payments are not covered.
How do I redeem Millennia CashPoints?
Through HDFC NetBanking or the MyCards portal, against your statement at ₹1 per CashPoint, once you have at least 500.
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Sources: CardAdvisor · HDFC Bank. Details checked on 22 Oct 2026. For information only, not financial advice; always read the bank’s most important terms (MITC) before applying.