Credit Cards · Honest Review
HDFC Millennia Credit Card
HDFC Bank · Visa
Your Verdict
- ✓5% CashPoints on Amazon, Flipkart, Swiggy, Zomato, BookMyShow, Cult.fit, Tata CLiQ and Myntra
- ✓1% CashPoints on all other spends
- ✓8 complimentary domestic lounge visits/year (2/quarter)
- ✓1% fuel surcharge waiver up to ₹250/month
- ✓Annual fee waived on ₹1L annual spend
What HDFC Millennia Credit Card costs you
HDFC Millennia Credit Card carries a ₹1,000 annual fee and a ₹1,000 one-time joining fee. The annual fee is waivable: Spend ₹1L/year.
| Fee | Amount |
|---|---|
| Annual fee (year 2+) | ₹1,000 |
| Joining fee (one-time) | ₹1,000 |
| Fee waiver condition | Spend ₹1L/year |
| Spend required for waiver | ₹1,00,000 / year |
| Foreign transaction fee (forex markup) | Not disclosed / standard rates apply |
What you earn on every rupee spent
HDFC Millennia Credit Card earns 1.00% on all eligible spends as a base reward rate, with accelerated rates on online shopping, dining & food and other bonus categories listed below. Each reward point is worth ₹0.3 when redeemed, giving a clear rupee value for your earnings.
| Category | Reward rate |
|---|---|
| All other spends (base rate) | 1.00% |
| 🛒 Online Shopping | 5% |
| 🍽️ Dining & Food | 5% |
1,000 CashPoints on spend of ₹1,000 within 90 days of card issuance
Reward types: Cashback
Beyond the reward rate
The non-reward benefits on HDFC Millennia Credit Card are meaningful for frequent users. Here is what you get with the card.
Who can apply for HDFC Millennia Credit Card
HDFC Millennia Credit Card requires a minimum net monthly income of ₹35,000 for salaried applicants and a CIBIL score of 720 or above. It is open to salaried and self-employed applicants.
| Requirement | Detail |
|---|---|
| Minimum monthly income | ₹35,000 |
| CIBIL score | 720+ (good to excellent) |
| Age range | 21–60 years |
| Employment type | Salaried & self-employed |
| Typical approval time | 7–10 working days |
Who should (and shouldn't) get HDFC Millennia Credit Card
- → Heavy spenders on online shopping who want 5% back
- → Heavy spenders on dining & food who want 5% back
- → Frequent travelers who value airport lounge access
- → Moderate spenders who can clear the fee waiver condition
HDFC Millennia Credit Card — Questions answered
What is the annual fee for HDFC Millennia Credit Card?
What is the minimum income required for HDFC Millennia Credit Card?
What is the reward rate on HDFC Millennia Credit Card for online shopping?
Does HDFC Millennia Credit Card provide airport lounge access?
How do I get the annual fee waived on HDFC Millennia Credit Card?
How long does it take to get HDFC Millennia Credit Card approved?
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Get My Personalised Verdict →Information on this page is gathered from public sources and the card issuer's official website. Fees and reward rates may change — verify the current terms on the issuer's website before applying. SingleVerdict may earn a referral fee if you apply through our links, which does not affect our scoring or editorial decisions.