HDFC Bank
Classic · Millennia
HDFC Bank Millennia Credit Card
HDFC Bank
5% cashback on popular online shopping platforms
Annual Fee
₹1,000
Joining Fee
₹1,000
Reward Rate
5.0%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹13,820
Total Annual Benefits
₹15,000
Total Annual Charges
₹1,180
ROI
1171%
Fee Waiver Available
Annual fee waived on spending ₹1 Lakh in the previous year — ₹1,00,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Cashback Benefits (2)
5% Cashback on Online Platforms
5% cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber & Zomato
- • Max 1,000 CashPoints per statement cycle
- • 1 CashPoint = ₹1 on statement balance
5% cashback
₹12,000/yr
1% Cashback on All Other Spends
1% cashback on all other online and offline spends
- • Max 1,000 CashPoints per statement cycle
1% cashback
₹12,000/yr
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹400–₹5,000
- • Max ₹250 per statement cycle
1% waiver
₹3,000/yr
Dining Benefits (1)
Swiggy Dineout Discount
Up to 10% off on dining via Swiggy Dineout
Up to 10% off
Reward Program
Program
HDFC CashPoints
5% on partners, 1% on others
Effective cashback: 5.00%
Points expire: 2 years from date of accrual
Redemption Options
- → Statement balance (1 CashPoint = ₹1)
- → Flights & Hotels via SmartBuy (1 CashPoint = ₹0.30)
- → Products & Vouchers
- → Air Miles
Bonus Categories
Online Shopping
5x multiplier
5% on Amazon, Flipkart, Myntra, etc.
Food Delivery
5x multiplier
5% on Swiggy, Zomato
Milestone Bonuses
Choice of 1 domestic lounge access OR ₹1,000 gift voucher on spending ₹1 Lakh per quarter
Spend ₹1,00,000 quarterly
1 Lounge Visit or ₹1,000 voucher
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹1,000 Excluding GST |
| Annual Fee | ₹1,000 Excluding GST |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.75%
- Late Payment Fee
- ₹1,300
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 2.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹400 – ₹5,000. Max waiver: ₹250/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹35,000
- Min. Annual Income
- ₹4,20,000
- Min. Credit Score
- 700
- Age Range
- 21 – 40 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Net Monthly Income > ₹35,000
- • Self-Employed: ITR > ₹6 Lakh p.a.
- • Age 21–40
Transaction Limits
ATM Withdrawal / Day
₹40,000
POS & E-Commerce / Day
₹3,00,000
Features
Contactless payments EMI conversion facility Auto CashPoints redemption SmartBuy platform for 10X rewards
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12 months
Processing Fee
1%
Ready to Apply?
The HDFC Millennia Credit Card is designed for online shoppers, offering 5% cashback on 10+ popular online platforms including Amazon, Flipkart, Myntr...
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