CardsGurujiCompare · Choose · SaveCheck all categoriesCheck all issuers
⌘K
Card Categories
Pick a card that matches how you actually spend.
Card Issuers
Explore cards from India's leading banks.
Last updated: 8 November 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
Up to 5% Cashback
Earn 5% cashback (as CashPoints) on Amazon, Flipkart, Swiggy, Zomato, Uber, Myntra, BookMyShow, Cult.fit, Sony LIV, and Tata CLiQ (combined cap of 1,000 points/month). Earn 1% cashback on all other eligible spends (capped at 1,000 points/month). Excludes fuel, rent, wallet loads, EMI, government transactions, and education payments via third-party apps.
Redeem for
The privileges that come bundled in, beyond the reward points.
Quarterly Milestone: Spend ₹1,00,000 in a calendar quarter to choose either a ₹1,000 brand gift voucher OR an Airport Lounge Access voucher
Lounge Access: Standalone complimentary lounge access was discontinued in December 2023. You can only access the lounge by choosing the voucher upon hitting the ₹1 Lakh quarterly spend milestone
Annual Fee Waiver: The ₹1,000 + 18% GST renewal fee is waived upon achieving ₹1,00,000 in eligible spends in the preceding card anniversary year
Dining Discounts: Up to 20% discount at partner restaurants via Swiggy Dineout
Fuel Surcharge Waiver: 1% waiver on fuel transactions between ₹400 and ₹5,000 (maximum waiver of ₹250 per statement cycle)
An honest read on where this card earns its keep — and where it doesn't.
Excellent 5% cashback rate on major daily apps like Amazon
Flipkart, Swiggy, and Uber
CashPoints offer a straightforward 1:1 value (1 CP = ₹1) when redeemed for statement cashback or travel
Easily achievable annual fee waiver target of just ₹1 Lakh per year
Welcome bonus perfectly offsets the first year's joining fee
Strict monthly caps limit your maximum earnings to just ₹1,000 in the 5% category and ₹1,000 in the 1% category
Direct domestic airport lounge access was completely removed; it now requires hitting a steep ₹1 Lakh quarterly milestone
New redemption limits restrict statement cashback to a maximum of 3,000 points per month
Major expense categories like rent, wallets, education apps, and EMI are excluded from earning cashback
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with HDFC Bank before you apply.
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how HDFC Millennia stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
Stay informed with recent credit card news, policy updates, and expert guides for HDFC Millennia.
A roundup of credit card offers from HDFC, SBI, ICICI, Axis and others for Flipkart's Big Billion Sale 2026.
Unlock massive savings during the 2026 Amazon Great Indian Festival! Discover the top credit cards from ICICI, SBI, and HDFC that offer the best instant discounts, unlimited cashback, and ultimate shopping perks.
RBI's new rules from October 15, 2026 reshape fees, rewards and eligibility for UPI and credit cards in India.
Everything you need to know about HDFC Millennia fees, reward conversion, lounge access, and application eligibility.
HDFC Millennia has an annual fee of ₹1,000 plus 18% GST. Most cardholders can get subsequent annual renewal fees waived by reaching the bank's annual milestone spend threshold. Additionally, the initial fee is often offset by welcome privileges like "Welcome benefit of 1,000 CashPoints upon payment of the joining fee.".
HDFC Millennia earns CashPoints at a primary rate of Up to 5% Cashback. Specifically, Earn 5% cashback (as CashPoints) on Amazon, Flipkart, Swiggy, Zomato, Uber, Myntra, BookMyShow, Cult.fit, Sony LIV, and Tata CLiQ (combined cap of 1,000 points/month). Earn 1% cashback on all other eligible spends (capped at 1,000 points/month). Excludes fuel, rent, wallet loads, EMI, government transactions, and education payments via third-party apps.. Spends in Shopping, Cashback, Entry Level categories provide the maximum valueback per transaction on this card.
Rewards earned on HDFC Millennia can be redeemed for Statement Cashback (1 CashPoint = ₹1) [Max 3, 000 CP redemption per month], SmartBuy Flights & Hotels (1 CashPoint = ₹1) [Up to 50% of booking value], Product Catalog & Vouchers (1 CashPoint = up to ₹0.30) [Up to 70% of product value] via HDFC Bank's official rewards portal or mobile banking app. Points earned remain valid for 24 months from the transaction date before expiring.
Yes, HDFC Millennia features complimentary airport lounge privileges. Privileges include: "000 brand gift voucher OR an Airport Lounge Access voucher". Note that banks frequently require a minimum spend (typically ₹35,000 to ₹50,000) in the previous calendar quarter to unlock complimentary lounge access.
A CIBIL credit score of 700 or above is strongly recommended for approval of HDFC Millennia. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
HDFC Millennia is issued on the Visa or MasterCard or Diners Club network with worldwide acceptance at over 30 million merchant establishments and online portals. International transactions, contactless tap-to-pay (up to ₹5,000 without PIN), and tokenized payments are supported once enabled in your banking app.
HDFC Millennia levies a forex markup fee of 3.5% of the transaction amount + 18% GST on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
HDFC Millennia currently features a welcome offer: "Welcome benefit of 1,000 CashPoints upon payment of the joining fee.". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include Excellent 5% cashback rate on major daily apps like Amazon and Flipkart. However, keep in mind that Strict monthly caps limit your maximum earnings to just ₹1 and 000 in the 5% category and ₹1. Overall, HDFC Millennia delivers strong value if your regular spending aligns with Shopping, Cashback, Entry Level.
Yes, HDFC Millennia includes a 1% fuel surcharge waiver for fuel spends typically between ₹400 and ₹4,000 at all government and private fuel stations in India. (Fuel Surcharge Waiver: 1% waiver on fuel transactions between ₹400 and ₹5). The monthly waiver is subject to a cap, and GST charged on the surcharge is non-refundable.
