HDFC Millennia
HDFC Bank · Visa — Popular young-professional card with CashPoints on select brands.
Last Updated: 2026-07-19
Annual Fee
₹1000
Joining Fee
₹1000
Forex Markup
3.5%
Reward Type
cashback
Overview
Popular young-professional card with CashPoints on select brands.
CashPoints on Amazon, Swiggy, Zomato & more
Features & Benefits
- Welcome: Welcome CashPoints / vouchers
- Milestones: Fee waiver + bonus points
- Lounge: Limited domestic lounge (offer-dependent)
- Railway lounge: No
- Golf: No
- Insurance: Standard
- Concierge: No
- Fuel: Fuel surcharge waiver
- Dining: Strong partner dining
- Movies: Partner movie offers
- Travel: Standard
- EMI: SmartEMI available
Reward Structure
| Category | Reward % | Notes |
|---|---|---|
| Online Shopping | 2.5% | — |
| Grocery | 1% | — |
| Dining | 2.5% | — |
| Fuel | 1% | — |
| Travel | 1% | — |
| Utility Bills | 1% | — |
| Entertainment | 2% | — |
| UPI | Excluded | — |
| Insurance | 1% | — |
| Rent (Optional) | Excluded | — |
Excluded: Rent, Fuel beyond waiver, Wallet loads
Fees & Charges
- Renewal waiver: Waived on spend criteria
- Interest: ~3.6% per month
- Cash advance: 2.5%
- Late fee: As per HDFC
- Over-limit: As per HDFC
Eligibility
- Credit score: 720+
- Min income: ₹25,000/mo
- Employment: salaried
- Age: 21–60
Pros
- ✓ Good brand cashbacks
- ✓ HDFC acceptance
- ✓ Lifestyle offers
Cons
- • Fee unless waived
- • Complex partner list
- • Average travel benefits
About HDFC Millennia
Credit-card detail or category comparison to match rewards with your spending.
How it works
Scan fees, rewards and eligibility, then compare against alternatives on the cards hub.
Practical tips
Check milestone and welcome benefit timelines before you switch.
Important to know
Issuer terms change — verify on the bank site.
Frequently Asked Questions
- What are the key benefits of HDFC Millennia?
- Popular young-professional card with CashPoints on select brands. Highlights: CashPoints on Amazon, Swiggy, Zomato & more. Lounge: Limited domestic lounge (offer-dependent).
- What is the annual fee for HDFC Millennia?
- Joining fee ₹1000 and annual fee ₹1000. Waiver: Waived on spend criteria.
- Who is eligible for HDFC Millennia?
- Typical guide: credit score 720+, income from ₹25,000/mo, age 21–60, employment: salaried. Final approval is with the issuer.
- Does HDFC Millennia have forex markup?
- Indicative forex markup is 3.5%. Always confirm current markup on the issuer site.
- How do I apply for HDFC Millennia?
- Use the official apply link on this page and complete KYC with the issuer. EnrichReturns does not process applications.