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1st Year Fee: ₹1,000* Plus Applicable Taxes
Cashback
5% cashback on popular everyday brands
CashPoints
1,000 bonus points on card activation
Dining
Up to 10% off on partner restaurants
Author: Megha Khanna
Save 5% on Myntra, Zomato & Others
Get HDFC Millennia Credit Card to save on top platforms!
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HDFC Millennia is one of the most popular cashback credit cards in India, offering 5% value-back across leading brands like Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, and Zomato. With coverage across shopping, dining, entertainment, and commute, it fits seamlessly into everyday spending. There is no minimum transaction requirement to earn cashback, though monthly earnings are capped.
Positioned as an entry-level card with a moderate annual fee, HDFC Millennia is a strong choice for millennials who frequently shop and spend with these partner brands. You can also do a free credit score check before applying to understand your approval chances better. Read on to know the key features and benefits of this card along with a detailed review.
Explore Similar Cards
If you are not eligible for HDFC Millennia Credit Card, you can explore other entry-level cards such as:
Suggested Read: Best credit cards in India 2026


Some other features and benefits offered by this HDFC Credit Card are as follows:
For a better understanding of value offerings, it is important to compare the features of credit cards before choosing the right one.
Also Read: International Lounge Access Credit Cards
HDFC Millennia Credit Card offers complimentary domestic lounge visits which are linked to meeting certain spending milestones. Here are the details you need to know about HDFC Millennia Credit Card lounge access.
Follow the steps given below to avail lounge access via HDFC Millennia Credit Card:
At the airport lounge, simply show the voucher QR code or voucher code to access the lounge. The lounge access would be valid for 3 months, so it must be used within the period. However, it is to be noted that access to the lounge can still be done directly using the HDFC Millennia credit card, but this will be charged as per lounge rates if no voucher is used.
| Fee Type | Amount | ||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Rs. 1,000 | ||||||||||||||||||
| Annual Fee | Rs. 1,000 (Waived off on spending Rs. 1 lakh in the previous year) | ||||||||||||||||||
| Finance Charges | 3.75% p.m. | 45% p.a. | ||||||||||||||||||
| Late Payment Charges |
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HDFC Millennia and HDFC Regalia Gold Credit Card are among the most popular cards from HDFC Bank. Here is a quick comparison of these two cards to understand their individual strengths and drawbacks.
| Feature | HDFC Millennia Credit Card | HDFC Regalia Gold Credit Card |
|---|---|---|
| Card Type | Cashback Credit Card | Travel & Lifestyle Credit Card |
| Best For | Online shopping & cashback | Travel, lounge access & lifestyle benefits |
| Joining/Annual Fee | Rs. 1,000 + GST | Rs. 2,500 + GST |
| Fee Waiver Spend | Rs. 1 lakh/year | Rs. 4 lakh/year |
| Reward Structure | Accelerated (5%) cashback on select brands like Amazon, Flipkart, Swiggy, Uber, Myntra etc. | Accelerated (5X) reward points on select brands like Nykaa, Myntra, Marks and Spencer and Reliance Digital |
| Base Rewards | 1% cashback on other spends | 4 Reward Points per ₹200 spent |
| Reward Redemption | Cashback statement credit | Flights, hotels, vouchers, SmartBuy |
| Lounge Access | 1 complimentary domestic lounge access per quarter | 3 Domestic lounge access per quarter + 6 international lounge access per year |
| Travel Benefits | Basic | MMT Black Gold Membership + Travel Vouchers as milestone benefit |
| Forex Markup | ~3.5% | ~2% |
| Recommended User | Young professionals, cashback seekers | Frequent travellers with moderately high monthly spends |
Most of your monthly spends are online
You want a card that offers accelerated value-back on multiple brand and platforms
You would be able to spend Rs. 1 Lakh in every quarter to utilise the milestone benefits
Age: Min 21 yrs & Max 40 Yrs
Income for salaried: Net Monthly Income > Rs. 35,000
Income for self-employed: ITR > Rs. 6 Lakhs per annum
Cashback3.5/5
Welcome Benefits3.0/5
Milestone Benefits3.0/5
Rewards Flexibility3.5/5
Though the card charges a comparatively higher fee than most entry-level cards, HDFC Millennia stands out as a worthy option in this list. Many other cards offer co-branded benefits with multiple brands, but the actual value-back there is too low. In comparison, HDFC Millennia offers multiple redemption options with value as good as 1:1. Additionally, the association with top 10 brands for exclusive rewards is too good to be true.
Though the card excels due to its multiple brand benefits and great redemption options, the benefits on the card can be utilised only to a certain threshold and not beyond that. Both accelerated (5%) and non-accelerated (1%) categories come with a reward capping of 1,000 points each, every month. That way, users spending a value beyond Rs. 20,000 collectively on all 10 brands can earn only 1000 points in a month. Though the value is decent for moderate spenders, heavy spenders might be slightly disappointed. But, this is compensated well via quarterly milestone benefits offered on the card. If utilised well, the card can be a good option for those who majorly spend around the partnered brands and can utilise the 1:1 redemption.
Everything you need to know about this credit card
The HDFC Millennia credit card comes with a joining and annual fee of Rs. 1,000 + applicable taxes. However, if you spends Rs. 1,00,000 in the previous year, the renewal fee will be waived.
Cashback on UPI can only be availed on Rupay variant. However, HDFC Millennia Credit Card is currently not available on RuPay variant. Hence, you cannot avail cashback benefits on the same.
A good credit score cannot be the only factor to get a credit card. There are other eligibility criteria that you need to meet for the application to be approved. Your application might have been rejected due to other reasons like insufficient income, a high-debt to income ratio, too many credit card applications among others.
For credit card related queries, cardholders can call HDFC Bank’s toll-free number 1800 1600 or 1800 2600. If you are travelling abroad, you can call at 022-61606160. To contact the team via email, you can write to the bank at customerservices.cards@hdfc.bank.in.
Yes. You can use both the channels.
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Megha is an experienced writer with a specialization in credit cards and personal finance. With a keen eye for detail and a passion for helping readers make informed financial choices, she creates engaging content that demystifies the complexities of credit cards, from rewards and benefits to interest rates and fees.
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