HDFC Bank Millennia Credit Card
VisaHDFC Millennia offers 5% cashback on 10 listed online merchants and 1% on other eligible spends, subject to separate statement-cycle caps.
Verify final terms before applying
Last editorial review: July 19, 2026. Fees, reward caps, and eligibility can change on issuer sites.
Welcome Benefit
1,000 CashBack on first transaction within 90 days of card issuance.
Estimated value: ₹1,000
Condition: Welcome benefit is credited within 30–45 days of first transaction or after spending ₹1,000 within 90 days of card issuance.
Fees & Charges
Rewards & Earn Rates
Program: HDFC Reward Points (SmartBuy) (cashback) · 1 point = ₹1
| Category | Earn Rate |
|---|---|
| Amazon/Flipkart/Swiggy/Uber/Zomato/Myntra/BookMyShow/Cult.fit/SonyLIV/TataCLiQ | 5% CashBack on 10 listed online merchants, capped at ₹1,000 per statement cycle. |
| All Other Spends | 1% CashBack on all other spends |
5% cashback on the listed online merchants is capped at ₹1,000 per statement cycle; 1% cashback on other eligible spends is separately capped at ₹1,000 per statement cycle.
Points expire after 24 months
Lounge Access
8 complimentary domestic lounge visits per year (2 per quarter) via Dreamfolks.
Lifestyle Benefits
E-commerce Partner Offers
Exclusive discounts and cashback offers on partner e-commerce platforms (Flipkart, Amazon, Myntra, Nykaa etc.) throughout the year.
via Flipkart / Amazon / Myntra
Value: ₹1,200
Insurance Cover
lost_card_liability
In case of card loss or theft, you are not liable for any fraudulent transactions if you report the incident to the bank immediately. Zero liability protection applies 7 days prior to reporting.
Zero liability on fraudulent transactions reported within 7 days
Zero LiabilityForex & Fuel
Foreign currency markup of 3.5% is levied on all international transactions. DCC charges of 1% apply when merchant opts to charge in INR.
Eligibility
Salaried: Minimum ₹35,000 per month net income. Self-employed: ₹6,00,000+ p.a. ITR. Age: 21–60 years (salaried), 21–65 years (self-employed).
Editor Rating
Pros
- + No points conversion – direct cashback
- + Simple and transparent earning structure
- + Wide partner acceptance
Cons
- – Monthly cashback cap limits earnings for high spenders
- – Benefit may reduce over time with offer changes
The HDFC Bank Millennia Credit Card is a mid-range credit card from HDFC Bank offering direct cashback on everyday spends. At ₹1,000/year, the card is easily justified through fee waivers and regular usage benefits.