HDFC Bank
HDFC Bank Millennia Credit Card
Annual Fee
₹1,180₹1,000 + GSTBase Reward
1% cashback
Foreign Markup
3.5% + GST
Welcome Benefits
1,000 CashPoints
Product Highlights
- 5% cashback at Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, Zomato
- ₹1,000 gift vouchers on ₹1L quarterly spend
- Renewal fee waiver on ₹1L annual spend
Category Rewards
Specialty
Prepaid/Gift Card load
1%
Specialty
Prepaid/Gift Card load
1%
Fee Waiver
Annual Charges Waived on Spends of ₹1 Lakh or More
Merchant-Specific Rewards
Amazon
5% on 10 Online Merchants(Cap ₹1,000/cycle)
BookMyShow
5% on 10 Online Merchants(Cap ₹1,000/cycle)
Cult.fit
5% on 10 Online Merchants(Cap ₹1,000/cycle)
Flipkart
5% on 10 Online Merchants(Cap ₹1,000/cycle)
Myntra
5% on 10 Online Merchants(Cap ₹1,000/cycle)
Sony LIV
5% on 10 Online Merchants(Cap ₹1,000/cycle)
Swiggy
5% on 10 Online Merchants(Cap ₹1,000/cycle)
Tata CLiQ
5% on 10 Online Merchants(Cap ₹1,000/cycle)
Uber
5% on 10 Online Merchants(Cap ₹1,000/cycle)
Zomato
5% on 10 Online Merchants(Cap ₹1,000/cycle)
Reward Calculator
Earns ₹2,180/year (net)
Modest gain. Solid hold if you like the perks.
₹16K
across all your buckets
3.4K
HDFC CashPoints
₹3.4K
via statement credit
Effective rate
1.75%
Annual fee
₹1,180
Year 1 net
+₹3,180
incl. welcome
Year 2+ net
+₹2,180
ongoing
Adjust your spend by reward bucket
3 bucketsRedemption channels
highest value = bestStatement credit
₹1/pt
Smartbuy flights
₹1/pt
Catalogue
₹0.3/pt
Milestone Rewards
Bonus rewards unlocked at spend thresholds. Use the slider to see what your spend pattern unlocks.
per quarter · You spend ≈ ₹1.5L
₹1,000 gift voucher
per year · You spend ≈ ₹6L
Renewal fee waiver (₹1,000)
Real Reward Ceiling
Headline %s are gated by caps. Here's how far each accelerator stretches before it falls back to the base rate.
5% on 10 Online Merchants
Headline: 5.00% effective
₹1,000/cycle ÷ 5.00% = ₹20,000 eligible spend/cycle
Surcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Excluded from rewards
fuel, rent, government, emi, cash advance, card fees, outstanding balance
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
5% Cashback Up to 1,000 CashPoints at Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, Zomato. 1% Cashback Up to 1,000 CashPoints on Other Eligible Spends.
Redemption
1 Cash Point = ₹1 When Redeemed Against Credit Card Statement
Benefits & Features
Domestic: N/A International: N/A
Pros & Cons
Pros
- High 5% cashback on partner merchants like Myntra, Amazon, Zomato, Swiggy, Uber
- Renewal fee waiver on spending ₹1 Lakh in the card anniversary year
Cons
- Low 1% cashback on offline/online spends at non-partner merchants
- Accelerated CashPoints capped at 1,000 per statement cycle
Additional Info
Max 1,000 CashPoints at 5x rate + 1,000 at 1x rate per cycle
Excluded Categories
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Min Age
21 yrs
Salaried
₹0.3L+
Self-Emp
₹6.0L+
Networks
Fee Waiver
Annual Charges Waived on Spends of ₹1 Lakh or More