Credit Cards · Honest Review

HDFC Bank Millennia Credit Card

HDFC Bank · Visa

₹1,000Annual fee
1.00%Base rate
4Lounge visits/yr
1%Forex markup
₹35KMin income/mo
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Your Verdict

HDFC Bank Millennia Credit Card
HDFC Bank · Visa
  • ✓5% cashback on Amazon, Flipkart, Swiggy, Myntra, Zomato and other top brands
  • ✓1% cashback on all other spends
  • ✓Quarterly spend milestone of 1L unlocks lounge access or 1,000 voucher
  • ✓Low 1% forex markup, unusual for this fee tier
  • ✓50 redemption fee applies on CashPoints redemption for statement credit
₹1,000/yrAnnual fee
₹1,000
Annual fee
1.00%
Base reward rate
4/yr
Lounge access
750+
CIBIL score
Our verdict
HDFC Millennia is best for young professionals and online shoppers who want straightforward 5% cashback on popular e-commerce and food delivery brands without a steep income bar. Its low 1% forex markup is a standout for occasional international spenders, though monthly capping limits cashback at higher spend levels.
Fees & charges

What HDFC Bank Millennia Credit Card costs you

HDFC Bank Millennia Credit Card carries a ₹1,000 annual fee and a ₹1,000 one-time joining fee. The annual fee is waivable: Spend 1,00,000 or more in a year.

FeeAmount
Annual fee (year 2+)₹1,000
Joining fee (one-time)₹1,000
Fee waiver conditionSpend 1,00,000 or more in a year
Spend required for waiver₹1,00,000 / year
Foreign transaction fee (forex markup)1% per transaction
Rewards & cashback

What you earn on every rupee spent

HDFC Bank Millennia Credit Card earns 1.00% on all eligible spends as a base reward rate, with accelerated rates on online shopping and other bonus categories listed below. Each reward point is worth ₹0.15 when redeemed, giving a clear rupee value for your earnings.

CategoryReward rate
All other spends (base rate)1.00%
🛒 Online Shopping5% (cap ₹1,000/mo)
5%
Online Shopping
Cap ₹1,000/mo
Welcome bonus

1,000 bonus CashPoints on payment of joining fee, plus a gift voucher equivalent to the membership fee

Reward types: Cashback · Lounge

Benefits & perks

Beyond the reward rate

The non-reward benefits on HDFC Bank Millennia Credit Card are meaningful for frequent users. Here is what you get with the card.

🛫
Airport lounge access
Domestic lounges — 4 visits/year.
⛽
Fuel surcharge waiver
1% fuel surcharge waiver on petrol pump transactions (standard terms apply).
🌏
Low forex markup
1% foreign transaction fee — below the industry average of 3.5%, good for international spends.
Eligibility

Who can apply for HDFC Bank Millennia Credit Card

HDFC Bank Millennia Credit Card requires a minimum net monthly income of ₹35,000 for salaried applicants and a CIBIL score of 750 or above. It is open to salaried employees and self-employed professionals.

₹35,000
Min monthly income
750+
CIBIL score
21–60
Age (years)
RequirementDetail
Minimum monthly income₹35,000
CIBIL score750+ (good to excellent)
Age range21–60 years
Employment typeSalaried, Self-employed
Typical approval time5-7 working days

Salaried need net monthly income above 35,000; self-employed need ITR above 6 lakh per annum.

Verdict

Who should (and shouldn't) get HDFC Bank Millennia Credit Card

✅ Best for
  • → Heavy spenders on online shopping who want 5% back
  • → Frequent travelers who value airport lounge access
  • → International spenders benefiting from low forex markup
  • → Moderate spenders who can clear the fee waiver condition
⚠️ Not ideal for
    Frequently asked questions

    HDFC Bank Millennia Credit Card — Questions answered

    What is the annual fee for HDFC Bank Millennia Credit Card?
    The annual fee is ₹1,000 from year 2 onwards, with a one-time joining fee of ₹1,000. The fee is waivable: Spend 1,00,000 or more in a year.
    What is the minimum income required for HDFC Bank Millennia Credit Card?
    Salaried applicants need a minimum net monthly income of ₹35,000 and a CIBIL score of at least 750. Self-employed applicants typically need equivalent annual income proof. Salaried need net monthly income above 35,000; self-employed need ITR above 6 lakh per annum.
    What is the reward rate on HDFC Bank Millennia Credit Card for online shopping?
    HDFC Bank Millennia Credit Card earns 5% on online shopping, capped at ₹1,000 per statement cycle. On all other spends, the base reward rate is 1.00%.
    Does HDFC Bank Millennia Credit Card provide airport lounge access?
    Yes — HDFC Bank Millennia Credit Card includes domestic airport lounge access, with 4 complimentary visits per year.
    How do I get the annual fee waived on HDFC Bank Millennia Credit Card?
    The annual fee on HDFC Bank Millennia Credit Card is automatically waived when you meet the spend threshold: Spend 1,00,000 or more in a year. You do not need to call the bank — the waiver is applied to the next billing cycle once the condition is met.
    How long does it take to get HDFC Bank Millennia Credit Card approved?
    Most applications for HDFC Bank Millennia Credit Card are processed within 5-7 working days. Pre-approved customers may receive instant digital approval. Physical card delivery typically takes 3–5 business days after approval.
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    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.