HomeCredit CardsHDFC Bank Millennia Credit Card
HDFC Bank Millennia Credit Card

HDFC Bank

HDFC Bank Millennia Credit Card

visaselectcreditshoppingonline

Annual Fee

₹1,000

Base Reward

1% cashback

Foreign Markup

3.5% + GST

4.8/5

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

shopping

5% CashBack Online

5%

dining

5% CashBack

5%

Fee Waiver

Annual Charges Waived on Spends of ₹1 Lakh or More

Merchant-Specific Rewards

Amazon

Amazon

5% CashBack(1,000 CashPoints/cycle)

5%
BookMyShow

BookMyShow

5% CashBack(1,000 CashPoints/cycle)

5%
Cult.fit

Cult.fit

5% CashBack(1,000 CashPoints/cycle)

5%
Flipkart

Flipkart

5% CashBack(1,000 CashPoints/cycle)

5%
Myntra

Myntra

5% CashBack(1,000 CashPoints/cycle)

5%
Sony LIV

Sony LIV

5% CashBack(1,000 CashPoints/cycle)

5%
Swiggy

Swiggy

5% CashBack(1,000 CashPoints/cycle)

5%
Tata CLiQ

Tata CLiQ

5% CashBack(1,000 CashPoints/cycle)

5%
Uber

Uber

5% CashBack(1,000 CashPoints/cycle)

5%
Zomato

Zomato

5% CashBack(1,000 CashPoints/cycle)

5%

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

fuelrentgovteducationemiwallet

Partner Merchants

AmazonBookMyShowCult.fitFlipkartMyntraSony LIVSwiggyTata CLiQUberZomato

Fees & Charges

Annual Fee₹1,000
Joining Fee₹1,000 + GST
Fee WaiverAnnual Charges Waived on Spends of ₹1 Lakh or More
Foreign Markup3.5% + GST
Interest Rate3.75% per month (45% annually)
Cash Advance2.5% of amount, min ₹500
Redemption Fee₹50 + GST Per Cash Redemption Request. ₹99 + GST for Other Redemptions

Eligibility

Min Age

21 yrs

Salaried

₹0.3L+

Self-Emp

₹6.0L+

Networks

visamastercardrupay
HDFC Bank Millennia Credit Card — Benefits, Rewards & Fees | Ri8Lane | Ri8Lane