HDFC

HDFC Bank Millennia Credit Card

Good for online shopping across multiple brands.

HDFC VISA

Millennia

Should you get this?

Conditional fit

Verified

Why this card

Up to 5% on Amazon
You spend on amazon.

Issuer evidence · 3 sources →

Trade-off

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

Annual fee ₹1,000 per 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

General spend1%₹1,000 per month

Amazon (domestic)BookMyShow (domestic)Cult.fit (domestic)Flipkart (domestic) and more — issuer list applies

Myntra (domestic)
SonyLIV (domestic)
Swiggy (domestic)
Tata CLiQ (domestic)
Uber (domestic)
Zomato (domestic)

5%₹1,000 per month

Redemption value

What a Cashback is worth

Cashback₹1 / pt
Catalogue₹0.3 / pt
Travel₹0.3 / pt

Annual fee break-even math

When does this card pay for itself

₹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

Best verified lane

Amazon (domestic), BookMyShow (domestic), Cult.fit (domestic), Flipkart (domestic)

View bonus categories →

Caps

Amazon (domestic), BookMyShow (domestic), Cult.fit (domestic), Flipkart (domestic)₹1,000 per month
General spend₹1,000 per 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

Spending requirements

Spend gates · caps · milestone thresholds

Annual fee waiver₹1,00,000yearAnnual fee waiverreasonablestrong

Lounge access spend gate₹1,00,000quarterLounge eligibilityreasonablestrong

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: ~₹500/month back (base earn · uses base/general earn rate; partner and category bonuses not included)
~₹6,000/year back · net +₹5,000 after ₹1,000 fee
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 calendar quarter

4 sources agree · verify issuer terms before applying

Where to verify

PaisaBazaar
Issuer site (verified manually) , opens external site
HDFC Millennia Lounge Voucher Pdf
Operator config (Millennia)
International (cardholder): Not included International details not available.

4 sources agree · verify issuer terms before applying

Where to verify

PaisaBazaar
Issuer site (verified manually) , opens external site
HDFC Millennia Lounge Voucher Pdf
Operator config (Millennia)

Rewards

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

Fees & charges

Fees

Monthly interest rate: 3.6% / month
Annual fee: ₹1,000
Joining fee: ₹1,000
Fee waiver spend: ₹1,00,000 · verified 20 Jun 2026 Below catalog median waiver (₹2,00,000 vs ₹1,00,000).
Interest-free period: Up to 50 days · verified 7 Jul 2026

International Use

Forex markup: 3.5%

2 sources agree · verify issuer terms before applying

Where to verify

PaisaBazaar
Shared HDFC Bank In
Issuer site (verify current terms) , opens external site
Product tier: Mid-tier

Travel & perks

Fuel Benefits

At the pump

1% fuel surcharge waived on transactions ₹400–₹5,000.
Maximum waiver ₹250 per statement cycle.
Eligible fuel spend capped at ₹1,00,000 per year.
Fuel transactions do not earn cashback.

Fine print & compare

Compare with similar cards

Similar tier · similar benefits

ICICI Bank Coral RuPay

The fine print

Caps · exclusions · earning · redemption · last refresh

Caps & limits

Monthly cap:₹1,000 per month.
After a category cap is reached, further spends earn nothing in that category.

Exclusions

These spends do not earn cashback.

Payments

Rent
Government payments

Financial

Fuel
EMI
Wallet loads

Latest update

Annual fee: ₹1,000.
Forex markup currently listed at 3.5%.
1 per quarter domestic lounge.

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 at ₹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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