HDFC Millennia
Online shoppers spending ₹15K–50K/month
External link to HDFC Bank’s own application page.
The HDFC Millennia costs ₹1,000 a year, waived at ₹1,00,000 annual spend. It earns 5% on shopping and 1% on everything else. Forex markup is 3.5%. These figures are from our catalog and have not yet been re-verified against the issuer.
5-year value calculator
How much HDFC Millennia actually pays you over time, net of annual fees.
Includes 40% in this card's boost category, 60% general spend.
Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.
What does the HDFC Millennia earn?
What you earn back, by category.
1,000 CashPoints on ₹1,000 spend in first 90 days
What do you get with the HDFC Millennia?
- 5% cashback on Amazon, Flipkart, Myntra, Swiggy, Zomato, BookMyShow, Cult.fit, Sony LIV, Tata CLiQ, Uber
- 1% cashback on all other retail spends
- 8 complimentary domestic airport lounge visits per year
- 1% fuel surcharge waiver (₹400 cap/month)
- Up to 20% off on partner restaurants via Smart EMI
Who qualifies for the HDFC Millennia?
These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.
What 1 HDFC Millennia point is actually worth
Same points, wildly different values depending on redemption. Most cardholders default to the boring option and never see the upside. Here's the full ladder for HDFC Millennia:
CashPoints (statement credit)Best
CashPoints redeem 1:1 as statement credit, flat 1%/5% effective.
SmartBuy vouchers
Welcome bonus, the under-priced lever
1,000 CashPoints on joining + first transaction.
Sweet spots & gotchas
- ✓Simple card, CashPoints are 1:1 INR. No transfer-partner shenanigans. Best for cashback-only users.
HDFC Millennia FAQ
›What is the HDFC Millennia annual fee?
The annual fee is ₹1,000. It is waived if you spend ₹1,00,000 in a year.
›What does the HDFC Millennia earn?
It earns 5% on shopping and 1% on everything else.
›What is the HDFC Millennia forex markup?
The HDFC Millennia charges 3.5% forex markup on foreign-currency spends.
›What income do you need for the HDFC Millennia?
The stated minimum income is ₹4,20,000 a year. Banks treat this as a guideline, not a hard cutoff.
›What is the HDFC Millennia welcome bonus?
1,000 CashPoints on ₹1,000 spend in first 90 days.
›Are these HDFC Millennia figures verified?
These figures are from our catalog and have not yet been re-verified against the issuer.
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