HDFC Bank Millennia credit card review: fees, rewards and eligibility
The HDFC Bank Millennia has a recorded annual fee of ₹1,000 and a base earn of 1% in CashPoints. CardMasters checked its issuer terms on 2026-07-16. Affiliate commission never changes ranking; confirm final terms and approval with HDFC Bank.
HDFC Bank Millennia: short answer
The HDFC Bank Millennia is in the entry tier of HDFC Bank credit cards, with a joining fee of ₹1,000, an annual fee of ₹1,000 (waived on ₹1,00,000 of eligible annual spend), a base earn of 1% in CashPoints and a 3.5% forex markup. Rewards are not earned on fuel, rent, wallet load, emi, government. It suits online shopping, first card, young professional spending; whether it beats a card you already hold depends on your own spend mix and redemption choices.
Source: CardMasters issuer-evidence catalogue, release 2026-07-16. Confirm final terms with the issuer.
Reward structure
1% base rewards in CashPoints.
- 5 points per ₹100 on Amazon/BookMyShow/Cult.fit/Flipkart/Myntra/Sony LIV/Swiggy/Tata CLiQ/Uber/Zomato (1,000 points monthly cap)
Eligibility and important limits
published monthly income floor ₹35,000 Approval remains solely at the issuer’s discretion.
Does not earn: fuel, rent, wallet load, emi, government.
Important limit: 1 Jul 2025: 1% fee on rent, utility >₹50k/mo and gaming/wallet-loads >₹10k/mo (cap ₹4,999/mo); no reward points on gaming/wallet-load spends.
Frequently asked questions
What is the annual fee for the HDFC Bank Millennia?
The published annual fee in our current record is ₹1,000. It can be waived after ₹1,00,000 of eligible annual spend, subject to issuer terms.
How do rewards work on the HDFC Bank Millennia?
1% base rewards in CashPoints. Accelerated routes include 5 points per ₹100 on Amazon/BookMyShow/Cult.fit/Flipkart/Myntra/Sony LIV/Swiggy/Tata CLiQ/Uber/Zomato (1,000 points monthly cap). Reward value depends on the eligible transaction route and redemption method.
Which transactions do not earn rewards on the HDFC Bank Millennia?
The current issuer-sourced exclusions recorded by CardMasters include fuel, rent, wallet load, emi, government. Merchant category coding and issuer terms determine final eligibility.
Who should consider the HDFC Bank Millennia?
It is most relevant for people focused on online shopping, first card, young professional. Whether it improves your wallet still depends on your actual spending, existing cards, fees and redemption choices.
Is the HDFC Bank Millennia worth it?
It is worth holding only when the rewards and benefits you will genuinely use exceed ₹1,000 each year. The fee is waived at ₹1,00,000 of eligible annual spend, so check whether you reach that without forcing spend. Value the rewards at a realistic redemption rate, not the issuer's best-case example.
What is the eligibility for the HDFC Bank Millennia?
The published monthly income floor is ₹35,000. Approval, credit limit and final pricing are decided solely by the issuer.
What is the forex markup on the HDFC Bank Millennia?
The recorded foreign-currency markup is 3.5% before GST. On ₹1,00,000 of international spend that is about ₹3,500 in markup, so compare it against any rewards earned on overseas transactions.
Does the HDFC Bank Millennia offer airport lounge access?
Domestic lounge access: up to 4/yr as an alternative to the ₹1,000 quarterly milestone voucher (₹1L/quarter spend). International lounge access: none. Spend conditions and guest charges are set by the issuer and can change.