“HDFC Millenia is one of HDFC's most popular entry-level cards. Best value from 5% cashback on 10 online merchants (non-EMI only). 1,000 CashPoints/cycle cap means max benefit on ₹20K spend per category per cycle. Good first credit card for online-heavy spenders. Not ideal for travel or premium lounge access (lounge removed Dec 2023). Be mindful of surcharges on fuel >₹15K, utility >₹50K, education/rent via third-party apps.”
Fee Waiver: Spend ₹1,00,000 or more in the preceding year
Best suited for
Welcome & Onboarding Perks
- •1,000 CashPoints on paying joining membership fee (no CashPoints for renewal fee)
Spend Milestone Rewards
- 🎯 Spend: ₹1,00,000 net spends (spends minus reversals) in a calendar quarter₹1,000 gift voucher (choose from: BigBasket, BookMyShow, Pizza Hut, PVR, Uber, or more at gyftr.com/hdfcbankmillennia/)
Only transactions settled within the quarter count. EMI principal paid in the quarter counts. SmartEMI/Dial an EMI does NOT count. Voucher SMS sent within 30 working days. Voucher valid 120 days from issue. Once issued, cannot be changed/reissued. Queries after 90 days of quarter end won't be entertained.
Airport Lounge Privileges
Dining Offers
- •Up to 20% discount at partner restaurants via Swiggy Dineout
- •Additional 10% discount with coupon code HDFCCARDS on Swiggy Dineout
Reward Rates
Surcharges & Waivers
Eligibility Requirements
Salaried
Self-Employed / Business
Key Highlights
Frequently Asked Questions
Ready to apply for HDFC Millenia?
Annual fee: ₹1,000 + GST