Card & Reward
Annual fee
Renewal fee waived on spends of ₹1,00,000 in 12 months
Rewards
Up to 5% cashback
CashBack as Reward Points (1 point = ₹1 on statement)
Lounges
None
No airport lounge access
Best for
Cashback on popular shopping and food apps

Tap or click any underlined figure to see its source, check date and history.

Earning

CashBack is credited as Reward Points. Caps apply per month.

SpendRateCap
Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato
Other spends

Earns nothing on:

Milestone benefits

Quarterly spend milestoneGift voucher, or a domestic lounge access voucher instead, on spends of ₹1,00,000 in a calendar quarter

Redeeming

Points go into HDFC Bank Millennia CashBack points. What one point is worth in rupees for each use: Bank values come from the bank’s catalogue.

Statement balance Bank

Fees and charges

Joining feeNot available
Annual feeFirst year membership fee; applicable taxes extra
Welcome benefitNot available
Foreign currency markupNot available
Interest
Late payment fee
Cash withdrawal fee
Fuel surcharge waiverNot available
Fee on rent payments
Fee on utility payments
Fee on wallet loads
Fee on education payments via apps

Every credit card side by side: annual fees, waivers and markup

Eligibility

As published by the bank. Banks may ask for more.

Income neededNot available
AgeNot available
Other conditionsNot available

History

Every change recorded for this page since we started tracking it.

  1. 1 Dec 2023Lounge rule
    Complimentary lounge access replaced by a lounge voucher option within the ₹1,00,000 quarterly spend milestone
    HDFC Bank Millennia Credit Card lounge access (6 Feb 2026)PDF (opens in a new tab)

Sources

The documents behind every figure on this page.

Spotted something out of date?Tell us which figure changed and where you saw it.

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