HDFC
Millennia
Mid-tier card · fee waiver achievable around ₹1L annual spend · 2% forex markup.
Strong for lounge access (0/year) · Weak for high forex (2%)
3 pts/₹150 base earn
Good for
- Airport lounge users
Not ideal for
- International spenders
Spend context
- Estimated monthly rewards: ~₹1,000/month (base rewards)
- Fee waiver achievable at this spend
- Forex cost ~₹1,000 per ₹50k international spend
Approximate, based on base rates and current snapshot.
Annual fee
₹1,000
Lounge
None (domestic)
Forex
2%
Limited support — verify with issuer
Reward rate
3 pts/₹150
Above median base earn (2% vs ~1%).
Verified with issuer
View official source (opens in new tab)Lounge Access
- Domestic visits
- None
- International visits
- Not included
International Use
- Forex markup
- 2%
- Product tier
- Mid-tier
Fees
- Annual fee
- ₹1,000
- Joining fee
- ₹1,000
- Fee waiver spend
- ₹1,00,000 Below catalog median waiver (₹3,00,000 vs ₹1,00,000).
Rewards
- Points per ₹150
- 3 pts
- Point value
- ₹1
- Effective earn
- 2% (at stated point value)
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