HDFC Bank

Core

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HDFC Millennia

lifestyle

HDFC Bank · Core

HDFC Millennia

lifestyle 5% on Online Shopping 8 lounge visits

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The bottom line

First-year value

+₹23,288.00

incl. joining fee

Ongoing / yr

+₹23,288.00

after ₹1,000.00 fee

Fee payback

~1 mo

rewards cover the fee

Why it fits: your spend is 36% in this card's accelerated categories — strongest on Dining, worth about 6 restaurant dinners a year.

Estimated on an illustrative spend profile. Use the calculator below to match your own.

What would this card earn you?

Monthly spend₹82,400

₹32,960Your spend₹1,64,800

Annual reward

₹24,288

Annual fee

₹1,000

Net value

+₹23,288

View category breakdown

Travel & Lifestyle₹2,940/yr@ 1%

Dining₹9,120/yr@ 5%

Online Shopping₹8,880/yr@ 5%

Groceries₹1,356/yr@ 1%

Bills & Utilities₹864/yr@ 1%

Fuel₹768/yr@ 1%

Entertainment₹360/yr@ 1%

Reward rates

Online Shoppingcapped ₹1,000.00/mo5 %

Diningcapped ₹1,000.00/mo5 %

General1 %

Key facts

Annual fee

₹1,000.00

Joining fee

₹1,000.00

Interest (p.m.)

3.49%

Forex markup

3.5%

Domestic lounge

8/yr

Intl lounge

None

Fuel waiver

1% (₹250/mo cap)

Min CIBIL

720+

Welcome benefit

1,000 CashPoints on ₹1k spend in 30 days

Key Fact Statement

As required by RBI circular RBI/2023-24/53 · auto-generated from live issuer data

RBI KFS

Parameter	Value	Note
Loan/credit product	HDFC Bank HDFC Millennia Credit Card	Product name
Annual Percentage Rate (APR)	41.88% p.a.	Effective cost of credit on outstanding balance
Monthly finance charge	3.49% per month on outstanding	Applied after interest-free period lapses
Interest-free period	Up to 50 days (if full due paid by due date)	No interest when bill settled in full each cycle
Annual fee / joining fee	₹1,000 joining · ₹1,000 annual	Charged on first statement and each anniversary
Minimum amount due (MAD)	5% of total outstanding or ₹200 (whichever is higher)	Paying only MAD incurs finance charge on remaining balance
Late payment charge	₹100–₹1,300 depending on outstanding amount	Levied if MAD not paid by due date
Cash advance fee	2.5% of amount or ₹500 (whichever is higher)	Plus finance charge from day of withdrawal
Forex markup fee	3.50% on international / foreign-currency transactions	Over and above the card network exchange rate
Over-limit fee	2.5% of over-limit amount or ₹550 (whichever is higher)	If spend exceeds sanctioned credit limit
Representative example	₹10,000 outstanding for 12 months at 3.49%/month = total repayable ₹12,411 (APR 41.88%)

Rates and charges are indicative and sourced from the issuing bank's Schedule of Charges. Actual charges are determined solely by the issuing bank at the time of sanction. This KFS is auto-generated by Naxelona and does not constitute an offer of credit. Credit is subject to the issuing bank's credit assessment and eligibility criteria.

All cards

Soft check via the RBI Account Aggregator framework — no impact on your CIBIL score.

Overview

The HDFC Millennia Credit Card is a lifestyle-focused card from HDFC Bank designed for digitally active Indians who shop online and dine out regularly. With a competitive 5% CashPoints reward rate on online and dining spends, it delivers strong everyday value at an accessible annual fee of just ₹1,000. Whether you are a young professional or a digital-first spender, the Millennia card is built to reward your modern lifestyle.

Key benefits

Key Benefits

8 Complimentary Domestic Lounge Visits per year across participating airports in India
Welcome Benefit: Earn 1,000 CashPoints when you spend ₹1,000 within the first 30 days of card issuance
Fuel Surcharge Waiver: 1% waiver on fuel transactions, capped at ₹250 per statement cycle
Accepted on the Visa / Mastercard network at millions of outlets across India and abroad

Rewards

Rewards & CashPoints

| Spend Category | CashPoints Earned |
|---|---|
| Online Shopping | 5% |
| Dining | 5% |
| General / All Other Spends | 1% |

5% CashPoints are earned on eligible online shopping transactions (e.g., popular e-commerce platforms) and dining spends at restaurants
1% CashPoints are earned on all other eligible retail transactions
CashPoints can be redeemed against your card statement, for products, or travel bookings as per HDFC Bank's redemption programme
CashPoints earnings and redemption are subject to HDFC Bank's SmartBuy and rewards programme terms

Fees & charges

Fees & Charges

| Charge | Amount |
|---|---|
| Joining Fee | ₹1,000 + applicable taxes |
| Annual Fee | ₹1,000 + applicable taxes |
| Finance Charge (Interest Rate) | 3.49% per month (approx. 41.88% per annum) |
| Foreign Currency Markup | 3.5% on international transactions |
| Fuel Surcharge Waiver Cap | ₹250 per statement cycle |

> Note: The finance charge of 3.49% per month applies on revolving balances and cash advances. Paying your full outstanding balance by the due date helps you avoid interest charges entirely.

Features

Card Features

Lifestyle Positioning: Tailored for millennials and digitally savvy consumers
Domestic Airport Lounges: 8 complimentary visits per year at select domestic lounges
No International Lounge Access is included with this card
Fuel Surcharge Waiver: 1% waiver on fuel purchases at petrol stations across India (capped at ₹250/month)
Contactless Payments: Enabled for quick and secure tap-to-pay transactions
EMI Conversion: Eligible large purchases can be converted to EMIs (subject to HDFC Bank terms)
Online Account Management: Manage your card via HDFC Bank's NetBanking portal and mobile app

Eligibility

Eligibility Criteria

To apply for the HDFC Millennia Credit Card, you generally need to meet the following criteria:

Minimum Annual Income: ₹4,20,000 (₹35,000 per month)
Minimum CIBIL Score: 720 or above
Age: Typically 21–60 years (salaried); up to 65 years (self-employed) — as per HDFC Bank's standard policy
Residency: Indian resident
Employment: Salaried or self-employed individuals with a stable income history

> Meeting the minimum criteria does not guarantee card approval. HDFC Bank conducts its own credit assessment and may request additional documentation.

Terms

Terms & Conditions

All fees, charges, and rewards mentioned on this page are based on information available at the time of publication and are subject to change at HDFC Bank's discretion.
CashPoints accrual and redemption are governed exclusively by HDFC Bank's SmartBuy rewards programme terms and conditions.
The fuel surcharge waiver applies only to eligible fuel transactions at designated fuel stations and is capped at ₹250 per statement cycle; certain transaction sizes may be excluded.
The welcome benefit of 1,000 CashPoints is credited only upon meeting the qualifying spend of ₹1,000 within 30 days of card issuance.
Lounge access is subject to the terms of the lounge access programme and participating lounge availability; visit limits reset annually.
Foreign currency transactions attract a markup of 3.5% and may be subject to additional charges by the card network.
Finance charges of 3.49% per month apply on revolving balances and cash advances from the date of transaction.
GST and other applicable taxes are levied on fees and charges as per prevailing government regulations.
Terms and conditions apply. Naxelona is a financial products marketplace and not affiliated with HDFC Bank. Information provided is for reference purposes only. Please refer to HDFC Bank's official website and most current Schedule of Charges before applying.

Frequently asked questions

What is the annual fee for the HDFC Millennia Credit Card?

The HDFC Millennia Credit Card has a joining fee of ₹1,000 and an annual renewal fee of ₹1,000 (plus applicable taxes). Some fee waivers or offers may be available based on annual spend milestones — check HDFC Bank's current terms for details.

How many domestic airport lounge visits do I get with the HDFC Millennia Card?

The HDFC Millennia Credit Card provides 8 complimentary domestic airport lounge visits per year at participating lounges across India. There are no complimentary international lounge visits included with this card.

What is the minimum income required to apply for the HDFC Millennia Credit Card?

You need a minimum annual income of ₹4,20,000 (approximately ₹35,000 per month) to be eligible for the HDFC Millennia Credit Card. A minimum CIBIL score of 720 is also generally required. Final approval is at HDFC Bank's discretion based on a full credit assessment.

How does the 5% cashback work on the HDFC Millennia Credit Card?

The HDFC Millennia Card rewards you with 5% CashPoints on eligible online shopping and dining transactions. These CashPoints can be redeemed against your card statement balance, merchandise, or travel bookings through HDFC Bank's SmartBuy portal. Note that CashPoints are not the same as direct cashback — they must be actively redeemed and are subject to the bank's rewards programme terms.

What is the interest rate on the HDFC Millennia Credit Card?

The finance charge (interest rate) on the HDFC Millennia Credit Card is 3.49% per month, which works out to approximately 41.88% per annum. This applies on any outstanding revolving balance or cash advances. To avoid interest charges, it is advisable to pay your full statement balance before the payment due date each month.

Is the HDFC Millennia Credit Card suitable for international travel?

The HDFC Millennia Card can be used internationally wherever Visa/Mastercard is accepted, but it does attract a foreign currency markup of 3.5% on overseas transactions. Additionally, there are no complimentary international lounge visits. If you travel abroad frequently, you may want to compare cards with lower forex markups or international lounge benefits.