HDFC

HDFC Bank Millennia Credit Card

Good for online shopping across multiple brands.

Should you get this?

Conditional fit

Verified

Why this card

  • 5% on eligible amazon, bookMyShow, cult.fit, flipkart, myntra, sonyLIV, swiggy, tata CLiQ, uber, and zomato
  • 5% cashback on eligible Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, SonyLIV, Swiggy, Tata CLiQ, Uber, and Zomato, subject to caps.
  • 1% on other eligible spending.
Issuer evidence · 3 sources →

Trade-off

The annual fee (₹1,000) is waived only when eligible annual spend exceeds ₹1,00,000.

Annual fee ₹1,000 from second year
Base cashback 1%
Lounge milestone ₹1,00,000 spend / quarter → voucher option
Forex markup 3.5% high
Compare with Axis Bank IndiGo →

Similar tier comparison

Rewards

Earning rules

Detail · from the summary above
ScopeRateEligibilityLimit
General spend1%₹1,000 per calendar month
Amazon (domestic)5%Calendar-month cap: ₹1,000 shared across Amazon (domestic), BookMyShow (domestic), Cult.fit (domestic), Flipkart (domestic), Myntra (domestic), SonyLIV (domestic), Swiggy (domestic), Tata CLiQ (domestic), Uber (domestic) & Zomato (domestic)
BookMyShow (domestic)Cult.fit (domestic)Flipkart (domestic)Myntra (domestic) and more — issuer list applies
  • SonyLIV (domestic)
  • Swiggy (domestic)
  • Tata CLiQ (domestic)
  • Uber (domestic)
  • Zomato (domestic)
5%Shared across Amazon (domestic), BookMyShow (domestic), Cult.fit (domestic), Flipkart (domestic), Myntra (domestic), SonyLIV (domestic), Swiggy (domestic), Tata CLiQ (domestic), Uber (domestic) & Zomato (domestic)

One shared ceiling applies across 10 of these categories — they draw from the same cap pool.

Redemption value

What a Cashback is worth

  1. Cashback₹1 / pt
  2. Catalogue₹0.3 / pt
  3. Travel₹0.3 / pt

When does this card pay for itself?

Rewards break-even estimate
₹1L

Conservative yearly spend needed at base cashback rates.

Reward reality — the earning-rate detail behind the numbers above

Reward reality

Conclusion · what you actually get

Verified value

₹1 per point

Cashback

Base earn

1% base cashback

Caps

  • Amazon (domestic)Calendar-month cap: ₹1,000 shared across Amazon (domestic), BookMyShow (domestic), Cult.fit (domestic), Flipkart (domestic), Myntra (domestic), SonyLIV (domestic), Swiggy (domestic), Tata CLiQ (domestic), Uber (domestic) & Zomato (domestic)
  • General spend₹1,000 per calendar month
View full earning rules →

No reward on

  • These spends do not earn cashback: Rent
  • Government payments
  • Fuel
  • EMI
  • +1 more
See earning rules →

Costs & fees

Eligibility

Applicant class · age · income

Reported criteria · as stated by sources

Salaried applicant

Net monthly income
Above ₹35,000
Minimum age
21 years or older
Gross monthly income
Above ₹35,000

Reported by secondary sources · verify with issuer1 other source

Self-employed applicant

Annual ITR
Above ₹6,00,000
Minimum age
21 years or older

Reported by secondary sources · verify with issuer2 other sources · 1 other source

Evidence only · excluded from decisions

Spending requirements

Spend gates · caps · milestone thresholds
RequirementAmountPeriodUnlocks
Annual fee waiver₹1,00,000yearAnnual fee waiver
Domestic lounge spend gate₹1,00,000quarterLounge eligibility

Watch outs

Before choosing this card
  • Forex markup is 3.5%, so frequent international spends may be costly.

Estimated usage

Example usage at this monthly spend

₹
  • At this monthly spend, you'd earn: Up to ₹500 base cashback if the entire ₹50,000 qualifies for the general-spend lane · uses base/general earn rate; partner and category bonuses not included
  • ~₹6,000/year base cashback · renewal annual fee waived at this spend (joining fee may still apply in year 1)
  • Fee waiver achievable at this spend
  • Forex cost ~₹1,750 per ₹50k international spend

Illustrative only, using current base rates and snapshot data.

Benefits & charges

Side-by-side facts
Benefits

Lounge Access

Domestic (cardholder)
1 per quarter — via HDFC Bank lounge programme Condition: ₹1,00,000 spend in the previous calendar quarter (unlocks the following quarter)
International (cardholder)
Not included on base card No international lounge access.

Issuer documented · corroborating sources · verify issuer terms before applying

Where to verify

Rewards

Base earn
1% base cashback
Reward type
Cashback
Point validity
Points expire 2 years after earning · verified 7 Jul 2026
Fees & charges

Fees

Monthly interest rate
3.75% / month
First-year cost
₹1,000 · verified 4 Sept 2026
Annual fee
₹1,000 from second year
Fee waiver spend
Above ₹1,00,000 · verified 20 Jun 2026 Annual fee waived on eligible anniversary-year spend above ₹1,00,000.
Interest-free period
Up to 50 days · verified 7 Jul 2026
Late-payment charge
₹100–₹1,300 depending on outstanding balance Exact charge depends on your outstanding balance per issuer tiers.

International Use

Forex markup
3.5%

Issuer documented · corroborating sources · verify issuer terms before applying

Where to verify
Product tier
Mid-tier

Travel & perks

Fuel Benefits

At the pump
  • 1% fuel surcharge waived on transactions ₹400–₹5,000.
  • Maximum waiver ₹250 per month.
  • Fuel-surcharge waiver capped at ₹1,00,000 per anniversary year.
  • Fuel transactions do not earn cashback.

Fine print & compare

Compare with similar cards

Similar tier · similar benefits
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The fine print

Caps · exclusions · earning · redemption · last refresh

Caps & limits

  • General cashback cap: ₹1,000 per calendar month.
  • Calendar-month cap: Calendar-month cap: ₹1,000 shared across Amazon (domestic), BookMyShow (domestic), Cult.fit (domestic), Flipkart (domestic), Myntra (domestic), SonyLIV (domestic), Swiggy (domestic), Tata CLiQ (domestic), Uber (domestic) & Zomato (domestic).
  • After the General cashback cap is reached, further spending in that lane earns no rewards.
  • After the shared cashback cap is reached, further spending in that lane earns no rewards.

Exclusions

These spends do not earn cashback.

Payments

  • Rent
  • Government payments

Financial

  • Fuel
  • EMI
  • Wallet loads

Latest update

  • First-year cost: ₹1,000.
  • Annual fee from second year: ₹1,000.
  • Forex markup currently listed at 3.5%.
  • 1 per quarter domestic lounge · ₹1,00,000 spend in the previous calendar quarter.

Common questions

From verified card facts

Is this good for lounge access?

1 per quarter domestic lounge. Check current spend criteria, guest rules, visit caps, and airport acceptance before relying on it.

Is this good for international spends?

Forex markup is 3.5%, so frequent international spends may be costly.

Is the annual fee easy to recover?

Fee waiver applies above ₹1,00,000 annual spend. Verify eligible spend exclusions before counting on it.

When do welcome benefits arrive?

A welcome benefit is listed. Included items: Reward points — joining fee required. Timing may depend on joining fee payment, card activation, first eligible transaction, or issuer processing.

Learn

Learn more

Guides matched to this card — not a random syllabus.

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Last refreshed 6 Sept 2026 moneymatters.cards Change look saved in this browser only
Important

Data compiled from issuer and public information. Details may change — verify with issuer. Reference data, not financial advice.

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