✓ Verified Mar 2026Fees: T1Rewards: T1
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HDFC Bank

HDFC Millennia

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Annual Fee

₹1,000

Reward Type

Points

Forex

3.5%

Lounge

8 dom · 2 intl

Full Spec Sheet

Multi-source Verified

Fees

Joining Fee₹1,000
Annual Fee₹1,000(waived ≥ ₹1,00,000)
Min Monthly Income₹35,000

Rewards

Reward TypePoints
Base Rate1%
Point Value₹0.25/point

Category Multipliers

uber5%(cap ₹1,000)amazon5%(cap ₹1,000)swiggy5%(cap ₹1,000)zomato5%(cap ₹1,000)flipkart5%(cap ₹1,000)

Redemption Values

statement credit₹1/pt

Travel & Global

Forex Markup3.5%
Domestic Lounge8 visits/yr
Intl. Lounge2 visits/yr
Lounge NetworkDreamfolks
Lounge Spend Req.₹1,00,000 Quarterly

India-Specific

Fuel Surcharge✓ 1% waiver

Similar Cards

Amex MRCC (94%) →Axis Bank Neo (94%) →IDFC First Classic Credit Card (94%) →IDFC First Millennia Credit Card (94%) →Paytm SBI Credit Card (93%) →

💡 Fee Waiver Strategy

Spend ₹1L to waive renewal fee.

⚖️ Breakeven Analysis

To recover the ₹1,000 annual fee at the base reward rate of 1%, you need to spend ₹1,00,000 annually.

🎯 Pro Tips

  • ▸Great starter card for cashback lovers
  • ▸5% cashback directly on Amazon/Flipkart is huge

📊 Spend Profile Simulator

Spend Profile Simulator

Net Annual Value

+₹2,000

Effective Rate

0.2%

Ranked #140 of 173 cards#140

₹1,000 annual fee deducted from gross rewards value.

🏷️ Best For

shoppingcashbacklifestylefirst-card