HDFC Bank Millennia Credit Card Review: 5% on 10 Apps, Capped Monthly

The HDFC Bank Millennia Credit Card pays 5% back on ten popular apps and 1% on most other spends, each capped at 1,000 CashPoints (₹1,000) a calendar month. It costs ₹1,000 plus GST a year, waived if you spend ₹1 lakh in the year before renewal, so it suits online shoppers who stay within those caps.

By Pankaj Pandey · Content Writer Updated 5 November 2026 Reviewed by BankCreds Financial Experts

Key facts

Joining fee: ₹1,000 + GST
Annual fee: ₹1,000 + GST. Renewal fee waived on spending ₹1 lakh or more in a year before renewal date.
Base reward: 1% CashBack on other spends... (about 1% value)
Best category: Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato, non-EMI spends: about 5% value
Lounge: Domestic: No standing complimentary lounge access since 1 Dec 2023; 1 domestic lounge access can be chosen instead of the ₹1,000 voucher on the quarterly milestone International: None
Forex markup: 3.5% of the amount
Network: Not stated by the bank

Apply on HDFC Bank's site

Opens the bank's own page for this card. Approval and the credit limit are the bank's decision.

In short

A sound first HDFC card for people whose spending runs through Amazon, Flipkart, Swiggy and similar apps, provided they redeem in large lots and stay within the monthly caps.

Best for

Online shoppers spending up to ₹20,000 a month across the ten 5% merchants
Salaried first-time applicants earning more than ₹25,000 a month
People who reach ₹1 lakh of spends in a quarter for the milestone voucher

Skip it if

You want airport lounge access without a spend target
You often spend in foreign currency, where the markup is 3.5%
Most of your spending is rent, fuel or wallet loads, which earn nothing

Highlights

Joining and renewal fee ₹1,000 plus GST
5% on 10 merchants, up to 1,000 CashPoints a month
1% on other spends, up to 1,000 CashPoints a month
1 CashPoint is worth ₹1 against the statement
₹1,000 voucher or a lounge visit on ₹1 lakh a quarter

What the HDFC Millennia card is, and who it is for

Millennia is HDFC Bank's everyday cashback card for people who buy most things on their phone. It pays 5% on ten named merchants (Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato) and 1% on other eligible spends. The cashback come as CashPoints, and one CashPoint is worth ₹1 against your bill. The card is active and HDFC is taking applications. Its pages don't name the card network or list any insurance cover.

Three things decide its value

The caps. Each bucket stops at 1,000 CashPoints a calendar month, so only the first ₹20,000 of merchant spend count at 5% (₹20,000 at 5% is ₹1,000).
The redemption fee. HDFC charge ₹50 plus GST each time you take CashPoints as statement credit.
The quarterly milestone. ₹1 lakh of net spends in a calendar quarter earns a ₹1,000 gift voucher or one domestic lounge visit. It is the only lounge route left.

What changed from 2024 to 2026

1 August 2024: the ₹50 redemption fee begin, with new 1% charges on rent, big fuel and utility bills and app-paid education. From 1 September 2024 wallet loads, EMI and app-paid education stopped earning.
1 July 2025: the rent fee cap moved to ₹4,999 a transaction, and 1% fees arrived on wallet loads and online gaming above ₹10,000 a month.
15 May 2026: most HDFC points cards switched to earning per ₹200 instead of per ₹150, but Millennia's cashback rates was left as they were. The 1.75% markup on rupee payments abroad and the ₹199 reissue fee did apply to it.

Millennia fees and charges, with GST added

The joining fee and the renewal fee are ₹1,000 each, and GST is extra. At 18% that adds ₹180, so you pay ₹1,180 in any year the fee applies. HDFC levies the first-year fee on the 120th day after issue, and paying it bring 1,000 welcome CashPoints, which roughly cancels the fee but not the tax.

The waiver. Spend ₹1 lakh in the year before renewal and the next fee goes. That is about ₹8,334 a month, since ₹1,00,000 divided by 12 is ₹8,333.33. Anybody using it as main card crosses that easily, groceries and two bills does it alone.

Interest and late fee. Revolving costs 3.75% a month, or 45% a year, plus GST. Carry ₹20,000 for 30 days and the interest is about ₹740 (30 times ₹20,000 times 45%, divided by 365). The late fee runs from nil on bills up to ₹100 to ₹1,300 on bills above ₹50,000, GST extra, and it is charged only if the minimum due stay unpaid 3 days past the due date.

Cash advance: 2.5% of the amount or ₹500, whichever is higher, with interest from the day of withdrawal.
Forex: 3.5% plus GST. Rupee payments abroad or to merchants registered overseas carry a 1.75% markup since 15 May 2026.
Rent: 1% a payment. Wallet loads (not PayZapp) and online gaming: 1% once the month crosses ₹10,000. Utilities: 1% when the calendar month tops ₹50,000. Each is capped at ₹4,999.
Fuel: 1% on a single fill above ₹15,000, capped at ₹4,999. Fills of ₹400 to ₹5,000 get a 1% surcharge waiver, up to ₹250 a statement cycle.
Education through apps such as CRED: 1%, capped at ₹4,999; paying the school directly is free.
Add-on cards are free. Over-limit use costs 2.5%, minimum ₹550, only with your consent. A replacement card is ₹199.

Millennia: fees and charges

Joining fee	₹1,000 + GST
Annual or renewal fee	₹1,000 + GST
Annual fee waiver	Renewal fee waived on spending ₹1 lakh or more in a year before renewal date.
Add-on card fee	Nil
GST	Charged on top of the fees and charges listed
In the bank’s words	Joining/renewal membership fee: ₹1,000 plus applicable taxes.
Interest on unpaid balances	Up to 3.75% a month (45% a year)
Late payment fee	Late payment charges (excl. GST), basis the bill amount, w.e.f. 1 Aug 2024: nil up to ₹100; ₹100 for ₹101 to ₹500; ₹500 for ₹501 to ₹1,000; ₹600 for ₹1,001 to ₹5,000; ₹750 for ₹5,001 to ₹10,000; ₹900 for ₹10,001 to ₹25,000; ₹1,100 for ₹25,001 to ₹50,000; ₹1,300 above ₹50,000. Charged when the Minimum Amount Due is not paid; account is reported past due and late fee levied only after 3 grace days from the due date.
Cash withdrawal	2.5% of the amount withdrawn or ₹500, whichever is higher, plus finance charges at the revolving rate from the date of withdrawal until full payment.
Over-limit fee	2.5% of the over-limit amount, minimum ₹550, only with the cardholder's explicit consent.
Forex markup	3.5% of the amount
Other fees	Rent payments: 1% of the transaction amount on any applicable merchant, capped at ₹4,999 per transaction (w.e.f. 1 Jul 2025). Fuel: 1% on the whole amount of a fuel transaction above ₹15,000 (consumer cards), capped at ₹4,999 per transaction. Utilities: 1% on total utility spends when they exceed ₹50,000 in a calendar month, capped at ₹4,999 per month (insurance is not treated as utility). Education: 1% on payments through third-party apps such as CRED, NoBroker, Cheq, capped at ₹4,999 per transaction; direct payments to the school or college website or POS and international education are not charged. Wallet loading (excluding PayZapp): 1% on total wallet loads when they exceed ₹10,000 in a calendar month, capped at ₹4,999 per month (w.e.f. 1 Jul 2025). Online skill-based gaming: 1% on total gaming spends when they exceed ₹10,000 in a calendar month, capped at ₹4,999 per month (w.e.f. 1 Jul 2025). Railway ticket purchases: 1% of the transaction amount + GST (all cards other than IRCTC). Dynamic currency conversion markup: 1.75% on transactions in Indian rupees at an international location or with merchants located in India but registered overseas (w.e.f. 15 May 2026). Card reissue (lost, stolen, damaged or network change): ₹199 for non-metal cards; ₹3,500 for metal cards (w.e.f. 15 May 2026). Payment return: 2% of the payment amount, minimum ₹450. Cash processing fee: ₹100 for card payments deposited in cash at HDFC Bank branches or ATMs. Balance transfer processing: 1% of the amount or ₹250, whichever is higher. EasyEMI processing fee at merchants: up to ₹299 (w.e.f. 1 Aug 2024).

How Millennia earns, and what a CashPoint is worth

It is 5% at the ten merchants and 1% elsewhere, each capped at 1,000 CashPoints a calendar month and counted in multiples of ₹100. So a ₹99 coffee earn nothing and a ₹350 order earns on ₹300. Small print: SmartBuy or PayZapp payments get only 1% even at the ten merchants, Uber gets 5% only on MCC 4121, and gift cards or vouchers never get 5%. Fuel, rent, government, wallet loads, EMI, gaming and app-paid education earn zero.

Against the statement, 1 CashPoint is ₹1, with a minimum of 500 and a maximum of 3,000 a month. On SmartBuy flights, hotels or the catalogue the same point fetch only ₹0.30. Every cashback redemption costs ₹59 (₹50 plus 18% GST), which is 11.8% of a 500-point redemption but under 2% of a 3,000-point one. Points lapse after 2 years.

Per month	Light	Typical	Heavy
10 merchants at 5%	₹5,000 earns ₹250	₹12,000 earns ₹600	₹25,000 earns ₹1,000 (capped)
Other spends at 1%	₹10,000 earns ₹100	₹24,000 earns ₹240	₹55,000 earns ₹550
Yearly cashback plus vouchers	₹4,200	₹14,080	₹22,600

Light, ₹15,000 a month. ₹250 plus ₹100 is ₹350 a month, or ₹4,200 a year. Quarters of ₹45,000 (₹15,000 times 3) miss the milestone, but ₹1,80,000 of yearly spend (₹15,000 times 12) clear the waiver easily. Two redemptions a year cost 2 times ₹59, or ₹118, leaving ₹4,082.

Typical, ₹36,000 a month. ₹600 plus ₹240 is ₹840 a month, or ₹10,080 a year. Each quarter is ₹1,08,000 (₹36,000 times 3), so four ₹1,000 vouchers add ₹4,000, making ₹14,080 with the fee waived.

Heavy, ₹80,000 a month. 5% of ₹25,000 would be ₹1,250, but the cap stop it at ₹1,000, so the last ₹5,000 belongs on another card. Add ₹550 from the 1% bucket: ₹1,550 a month, ₹18,600 a year, ₹22,600 with vouchers. The 3,000-a-month redemption limit forces about 7 redemptions (18,600 divided by 3,000 is 6.2), so ₹413 in fees (7 times ₹59).

Millennia: higher-reward categories

Category	Rate	Cap
Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber (MCC 4121 only) and Zomato, non-EMI spends	5% CashBack, about 5% value	up to 1,000 CashPoints under the 5% CashBack on 10 online merchants in a calendar month, ₹1,000, calendar month

Millennia: how rewards work

Earned as	CashPoints (cashback posted as CashPoints; 1 CashPoint = ₹1 against the statement)
Base rate	1% CashBack on other spends (except fuel, EMI, wallet, rent and government transactions), up to 1,000 CashPoints in a calendar month. About 1% value back
Minimum spend rules	CashPoints are earned on transaction amounts in multiples of ₹100; transactions below ₹100 earn none.
No rewards on	Fuel Rent payments Government related transactions Wallet loads and gift or prepaid card loads (MCC 6540) EasyEMI transactions; points reversed if a purchase is converted to SmartEMI Education payments through third-party apps (from 1 Sep 2024) Online skill-based gaming (from 1 Jul 2025) Cash advances Payment of outstanding balance Card fees and charges All EMI transactions, including Smart EMI and Dial an EMI (even if preclosed)
Lower rewards on	Prepaid or gift card loads and voucher purchases (MCC 6540) never earn the 5% rate, even at the 10 merchants Transactions through SmartBuy or PayZapp, including at the 10 merchants, earn 1% Uber earns 5% only on MCC 4121 (travel/commute)
Value of a point	Cashback against statement balance: 1 CashPoint = ₹1; minimum 500 CashPoints; max 3,000 points per calendar month SmartBuy flights, hotels and rewards catalogue: 1 CashPoint = ₹0.30; up to 50% of a flight or hotel booking
Redemption fee	₹50 + GST per cashback (statement credit) redemption (w.e.f. 1 Aug 2024); ₹99 + GST per catalogue redemption request
Expiry	Unredeemed CashPoints lapse 2 years after accumulation
Welcome benefits	1,000 CashPoints if the joining membership fee is paid
Milestone benefits	₹1,000 gift voucher or 1 domestic lounge access on net spends of ₹1 lakh in each calendar quarter (Jan–Mar, Apr–Jun, Jul–Sep, Oct–Dec)
Lounge access	Domestic: No standing complimentary lounge access since 1 Dec 2023; 1 domestic lounge access can be chosen instead of the ₹1,000 voucher on the quarterly milestone International: None Condition: Net spends of ₹1,00,000 in a calendar quarter (milestone)
Fuel surcharge waiver	1% fuel surcharge waiver on transactions of ₹400 to ₹5,000; maximum waiver ₹250 per statement cycle
Insurance cover	Not published by the bank

Who can get the Millennia card and how to apply

Salaried applicants need to be 21 to 60 with gross monthly income above ₹25,000. Self-employed applicants should be 21 to 65 with an income tax return above ₹6 lakh a year. The eligibility section of the page show a different and much higher figure for the self-employed, but the card FAQ says ₹6 lakh. You must be an Indian national.

A second FAQ, for a 'Millennia Credit Card New', gives 21 to 40 years and ₹35,000 net monthly income, so fresh applications may face a tighter filter than the main table suggest.

HDFC does not publish a separate document list for this card. Its general guidance is identity, address and income proof; existing customers may not need them again. Apply online from the card page or at a branch; the bank's FAQ say a branch visit is not mandatory. Before you sign, ask for the one-page Key Fact Statement with the rate and charges.

What the bank looks at

Your own income and the limits you already hold with other lenders, which the RBI's 2025 card Directions require a bank to weigh.
Your credit score. Experian calls above 750 generally good on its 300 to 900 scale.
No RBI rule fixes a minimum age or income. The decision is HDFC's alone, and a rejection must come with specific reasons in writing.

Millennia: eligibility and documents

Age (salaried)	21 to 60 years
Age (self-employed)	21 to 65 years
Income (salaried)	Gross Monthly Income > ₹25,000
Income (self-employed)	Page reads 'Income: ₹26 lakh per annum' (probably a page error); the page FAQ says ITR > ₹6 lakh per annum
Other conditions	Indian nationals. The page FAQ for 'Millennia Credit Card New' gives age 21 to 40 and net monthly income > ₹35,000 (salaried) or ITR > ₹6 lakh (self-employed).
Documents	Identity proof, address proof and income proof (HDFC Bank general guidance; the card page's document list could not be read) Existing HDFC Bank customers may not need to submit them again
How to apply	Online at applyonline.hdfc.bank.in (Apply Now on each card page), or at an HDFC Bank branch; FD-backed Pixel cards can be applied for in the PayZapp app. HDFC's FAQ says a branch visit is not mandatory.
Card customer care	1800 1600 / 1800 2600 (toll-free in India); +91 22 6160 6161 from outside India

These are the bank's published conditions. Meeting them does not guarantee a card: approval and the credit limit are the bank's decision.

Millennia against three similar cashback cards

All three pay about 5% online. Where it applies and how big is the cap, that is the thing which differs.

CASHBACK SBI Card

The CASHBACK SBI Card costs ₹999 plus GST and pays 5% on any online spend, capped at ₹2,000 a statement cycle, plus 1% offline capped at another ₹2,000, so ₹4,000 in all since 1 April 2026. Filling the online cap takes ₹40,000, because ₹2,000 divided by 5% is ₹40,000. Renewal is reversed on ₹2 lakh a year.

Flipkart Axis Bank Credit Card

The Flipkart Axis Bank card costs ₹500 plus GST. It pays 7.5% on Myntra and 5% on Flipkart and Cleartrip, each capped at ₹4,000 a statement quarter, and 4% at Swiggy, Uber and PVR uncapped. The waiver needs ₹3.5 lakh, and its lounge visits ended on 20 June 2025.

Swiggy Ornge HDFC Bank Credit Card

HDFC's own Swiggy Ornge card costs ₹500 plus GST and has a wider 5% list, the Swiggy app plus many online stores and categories, capped at ₹1,500 a billing cycle. Its 1% is capped at ₹1,000. Cashback lands on the statement with no redemption fee stated.

Who should pick which

Millennia, if your spends sits on its ten merchants and you want the quarterly voucher.
SBI CASHBACK, if you shop across many sites and would outrun Millennia's cap.
Flipkart Axis, if Flipkart and Myntra are your main stores and ₹3.5 lakh a year is realistic.
Swiggy Ornge, if food delivery and Instamart lead your month.

See the HDFC Bank cards page, our card comparison guide, HDFC Bank customer care or all credit cards.

Millennia against similar cards

Term	Millennia Credit Card This card	Swiggy Ornge HDFC Bank Credit Card	CASHBACK SBI Card	Flipkart Axis Bank Credit Card
Bank	HDFC Bank	HDFC Bank	SBI Card	Axis Bank
Joining fee	₹1,000 + GST	₹500 + GST	₹999 + GST	₹500 + GST
Annual fee and waiver	₹1,000 + GST. Renewal fee waived on spending ₹1 lakh or more in a year before renewal date.	₹500 + GST. Annual Fee starting second Year waived off on spending ₹1.5 lakh / Annum	₹999 + GST. Renewal Fee is reversed if annual spends for last year >= Rs. 2,00,000.	₹500 + GST. Annual fee (2nd year onward) waived on spends of INR 3,50,000 in the preceding card anniversary year; rent and wallet loads (Key Fact Sheet: also gift cards) do not count; spends counted by posting date.
Base reward	1% CashBack on other spends... (about 1% value)	1% cashback on other eligible spends, capped at ₹1,000 per billing cycle (about 1% value)	1% cashback on offline (POS at merchant outlets) spends, max Rs (about 1% value)	1% cashback on other eligible spends, no cap (about 1% value)
Best category	Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato, non-EMI spends: about 5% value	Swiggy app and eligible online merchants and MCCs: Amazon, Flipkart, Myntra, Nykaa, Cleartrip, BookMyShow, Uber, PharmEasy, Croma, Vijay Sales, Reliance Digital, Netflix, SonyLIV, Prime, Hotstar, Paytm Travel, Ixigo, Yatra, EaseMyTrip, ibibo; apparel, pharmacy, pet, personal care, travel and hotel, electronics MCCs: about 5% value	Online spends: about 5% value	Myntra: about 7.5% value
Lounges	Domestic: No standing complimentary lounge access since 1 Dec 2023; 1 domestic lounge access can be chosen instead of the ₹1,000 voucher on the quarterly milestone International: None	Domestic: None stated International: None stated	Domestic: None listed on card page International: None listed on card page	Domestic: None (4 complimentary domestic lounge visits discontinued from 20 June 2025) International: None
Forex markup	3.5% of the amount	3.5% of the amount	3.5% of the amount	3.5% of the amount
Network	Not stated by the bank	Mastercard	Visa	Not stated by the bank
Published minimum income	₹25,000 a month	₹20,000 a month	Stable income; SBI Card says the specific minimum varies by card and does not...	Not stated on the card page
Status	Taking applications	Taking applications	Taking applications	Taking applications

Frequently asked questions

Is the HDFC Millennia annual fee waived?

Yes, if you spend ₹1 lakh or more in the year before your renewal date, which is about ₹8,334 a month. The fee is ₹1,000 plus GST, or ₹1,180 at 18%. The 1,000 welcome CashPoints given when the joining fee is paid roughly offset the first year's fee, though not the GST on it.

How much is one Millennia CashPoint worth?

One CashPoint is worth ₹1 when redeemed against your statement, with a minimum of 500 and a maximum of 3,000 a calendar month. On SmartBuy flights, hotels or the rewards catalogue it is worth only ₹0.30. Each statement redemption carries a ₹50 plus GST fee, so redeeming in larger lots keeps more of your cashback.

What income do I need for the HDFC Millennia card?

Salaried applicants need gross monthly income above ₹25,000 and an age of 21 to 60. Self-employed applicants need an income tax return above ₹6 lakh a year and an age of 21 to 65. A FAQ on HDFC's page gives stricter salaried terms of 21 to 40 years and ₹35,000 net monthly income. Approval is the bank's decision.

Does the Millennia card give airport lounge access?

Not as a standing benefit. HDFC withdrew complimentary domestic lounge access on 1 December 2023. You can now choose one domestic lounge visit instead of the ₹1,000 gift voucher when net spends reach ₹1 lakh in a calendar quarter. There is no international lounge benefit, and foreign currency spends carry a 3.5% markup plus GST.

Did HDFC's 15 May 2026 changes affect Millennia?

Millennia's cashback rates did not change. HDFC's switch from earning per ₹150 to per ₹200 applied to most of its points cards, while Millennia counts CashPoints in multiples of ₹100. The same date brought a 1.75% markup on rupee payments made abroad or to overseas-registered merchants, and a ₹199 fee for reissuing a card.

Do Amazon or Swiggy payments through SmartBuy earn 5% on Millennia?

No. Transactions made through SmartBuy or PayZapp earn 1%, even at the ten 5% merchants, so pay on the merchant's own app or website. Gift card and voucher purchases never earn the 5% rate, and Uber earns 5% only on its travel code, MCC 4121. EMI purchases earn no CashPoints at all.

Sources

HDFC Bank: Part I Key Fact Statement cum Most Important Terms and Conditions (MITC), English, Version 4.18; Terms & Conditions – HDFC Bank Millennia Credit Card; Millennia Credit Card Fees & Charges; Millennia Credit Card (product page); Millennia Credit Card Eligibility; Millennia Credit Card Eligibility (FAQ); How to Get a Credit Card in 3 Easy Steps (HDFC Bank blog); Credit Card Customer Care Number & Support

Last verified: 5 November 2026

Written by Pankaj Pandey, reviewed by BankCreds Financial Experts

BankCreds does not sell cards or take applications. Fees and rewards change; the bank's own terms on the day you apply are what count, and approval is the bank's decision.