HDFC Bank Millennia Credit Card
HDFC Bank · Cashback card · ₹1,000 annual fee
Fees & benefits
| Annual fee | ₹1,000 + GST — waived at ₹1,00,000/yr spend |
| Welcome benefit | ~₹1,000 value |
| Airport lounges | 4 domestic · 0 international / year |
| No rewards on | fuel, rent, government, wallet, emi |
Reward rates (with caps — the part that actually matters)
| Rule | Effective rate | Monthly cap | Applies to |
|---|---|---|---|
| 5% partner cashback | 5% | ₹1,000 | amazon, flipkart, myntra, swiggy, zomato, uber, bookmyshow, tatacliq, sonyliv, cultfit |
| 1% other eligible cashback | 1% | ₹1,000 | all eligible spend |
Milestones
Quarterly voucher proxy: ₹4,000 at ₹4,00,000/yr spend
What it's worth at your spend
Net annual value on a typical Indian urban spend mix (shopping-heavy, incl. groceries, dining, fuel, travel, bills), after caps and fees. Rank is out of all 50 cards we track.
Caveats & recent changes
5% cashback (as CashPoints) on 10 partner merchants — Amazon, Flipkart, Myntra, Swiggy, Zomato, BookMyShow, Cult.fit, Sony LIV, Tata CLiQ, Uber — capped at 1,000 CashPoints/month; 1% on other spends capped at 1,000/month (₹2,000/month combined).
Free domestic lounge access was withdrawn in Dec 2023; lounge is now milestone-tied — ₹1,00,000 spend in a calendar quarter unlocks a ₹1,000 voucher OR 1 domestic lounge visit. Modeled as 4/year (max 1 per quarter); choosing the lounge visit forfeits that quarter's ₹1,000 voucher. Corrected 2026-07-16 to 4 (was 8) against independent verification.
Verified 2026-07-13 against official issuer sources (agent verification pass; manual human review unavailable).
Quick answers
Is the HDFC Bank Millennia Credit Card lifetime free?
No, the annual fee is ₹1,000 (plus GST), waived on spending ₹1,00,000 a year.
What is the highest reward rate on the HDFC Bank Millennia Credit Card?
5% — 5% partner cashback. Effective value depends on monthly caps; see the caveats on this page.
Does the HDFC Bank Millennia Credit Card give airport lounge access?
Yes — 4 domestic visits/year.
Where the HDFC Bank Millennia Credit Card fits
Ranks in our: Cashback credit cards in India (#4).
Best cards by spend: ₹15,000/month · ₹30,000/month · ₹60,000/month. Check if this card's fee is worth it.