HDFC Millennia Credit Card
A balanced everyday cashback card with strong online, shopping & travel benefits.
Overview
The HDFC Millennia Credit Card from HDFC Bank is a popular choice for everyday spenders and frequent online shoppers. It offers accelerated rewards on online spends including Amazon, Swiggy, Zomato, travel bookings, and entertainment. The card carries an annual fee which can be waived on achieving a minimum annual spend.
Features & Benefits
Joining & Renewal Benefits
Bonus reward points on initial milestone spends, subject to prevailing HDFC Bank offers at the time of card issuance.
Annual fee waiver on meeting the defined annual spend threshold in the previous year.
Cashback & Rewards
- • 5% reward points on online spends (up to monthly cap)
- • 5% reward points on dining spends
- • 2% reward points on travel & utility spends
- • 1% reward points on other eligible spends
Reward points can be redeemed for statement credit, gift vouchers, or travel bookings via the HDFC rewards portal. No manual redemption is necessary when using eligible reward products, subject to HDFC Bank terms and conditions.
Lifestyle Benefits
- • Rewards on online, dining & travel spends
- • Access to HDFC SmartBuy partner offers
- • Digital transaction bonuses
1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, as per HDFC Bank terms.
Approximately 3.5% forex markup on international transactions.
Fees & Charges
- • Strong online rewards
- • Annual fee waiver possible
- • Good partner offers
- • Cashback / reward caps apply
- • Annual fee applicable
- • Benefits vary by variant
- • Wallet loads
- • Rent & certain government transactions
- • Cashback caps apply on select categories
Add-on cards available as per bank policy.
- • Indian residents
- • Age 18–65 years
- • Salaried or self-employed with valid income & credit profile
Reward slabs and partner categories may be updated periodically. Always verify the latest card terms via official HDFC Bank documentation before publishing.