M16S / HDFC Bank / HDFC Millennia Credit Card
entry · cashback, shopping
HDFC Millennia Credit Card
The HDFC Millennia Credit Card costs Rs 1,000 a year, waived if you spend Rs 1,00,000 in a year. Its base return is 1% (1% CashBack (as Reward Points/CashPoints) on other spends). The forex markup is 3.5%. Read from the issuer's documents and an aggregator on 12 Oct 2026.
- Annual fee
- Rs 1,000+ GST
- Fee waived at
- Rs 1,00,000annual spend
- Base return
- 1%
- Forex markup
- 3.5%
- Interest
- 3.75%a month
What changed on this card
- HDFC Bank adds 1.75% markup on INR spends at overseas merchants, May 2026
From 15 May 2026, a markup fee of 1.75% applies on all transactions in Indian currency at an international location, or at merchants located in India but registered overseas. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
- HDFC Bank adds 1% fee on wallet loads and gaming above Rs 10,000, Jul 2025
A 1% fee applies on wallet loading (excluding PayZapp) and on online skill-based gaming spends above Rs 10,000 in a calendar month. Each fee is capped at Rs 4,999 per month. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
- HDFC Bank stops rewards on online skill-based gaming from Jul 2025
Online skill-based gaming transactions no longer earn Reward Points or CashPoints on any HDFC Bank credit card from 1 July 2025. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
- HDFC Bank charges 1% on rent payments, capped at Rs 4,999, from Jul 2025
A 1% fee on the transaction amount applies on rental transactions on any applicable merchant. The fee is capped at Rs 4,999 per transaction. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
- HDFC Bank caps insurance reward points per month from Jul 2025
Reward Points on insurance transactions are capped at 10,000 a month for Infinia and Infinia (Metal Edition), 5,000 a month for Diners Black Metal Edition and Diners Black, and 2,000 a month for all other credit cards. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
- HDFC Millennia stops reward points on wallet loads and Easy EMI, Sep 2024
Wallet loading (MCC 6540) and Easy EMI transactions no longer earn Reward Points on Millennia cards. Source: HDFC Bank, v.hdfcbank.com, read 28 Oct 2026
- HDFC Bank stops reward points on education payments via apps, Sep 2024
Education payments made through third-party apps like CRED, Cheq and MobiKwik no longer earn Reward Points on consumer cards. Payments made directly on college or school websites or their POS machines still earn points. Source: HDFC Bank, v.hdfcbank.com, read 28 Oct 2026
- HDFC Millennia adds 1% fees on fuel, utility, rent and education, Aug 2024
A 1% fee applies on fuel spends above Rs 15,000 per transaction and utility spends above Rs 50,000 per transaction, on the full amount. Rent and third-party-app education payments also carry 1%. Each fee is capped at Rs 3,000 per transaction. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
- HDFC Millennia charges Rs 50 to redeem CashPoints for statement credit, Aug 2024
From 1 August 2024, redeeming rewards towards statement credit (CashBack) on the Millennia card carries a Rs 50 redemption fee. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
- HDFC Bank sets late payment fee slabs on credit cards from Aug 2024
Late payment charges by statement amount: nil up to Rs 100, Rs 100 for Rs 101 to 500, Rs 500 for Rs 501 to 1,000, Rs 600 for Rs 1,001 to 5,000, Rs 750 for Rs 5,001 to 10,000, Rs 900 for Rs 10,001 to 25,000, Rs 1,100 for Rs 25,001 to 50,000 and Rs 1,300 above Rs 50,000. Infinia (Metal Edition) is excluded. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
Each change is read from the bank's own notice or terms document, linked above. Every card's changes are on the change log.
Fees
| Joining fee | Rs 1,000 |
|---|---|
| Annual fee | Rs 1,000 |
| Annual spend that waives the fee | Rs 1,00,000 |
| Fee notes | Joining/renewal Rs 1,000 + taxes. Renewal fee waived on Rs 1 lakh spend in the year before renewal (product page; MITC). |
Rewards
| Welcome benefit | Reward Points equal to the fee amount (1,000) on paying the membership fee |
|---|---|
| Reward currency | CashPoints |
| Base earn | 1% CashBack (as Reward Points/CashPoints) on other spends |
| Base return | 1% |
| Point value | 1 point = Re 1 against statement balance; Rs 0.30 on SmartBuy flights/hotels; Rs 0.30 airmiles; up to Rs 0.30 rewards catalogue |
| Accelerated earn | 5% on Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, Uber, BookMyShow, Sony LIV, Cult.fit; up to 10% extra cashback on 200+ brands via SmartBuy / PayZapp Shop |
| Capsunverified | Accrual (earlier data, not on product page): 1,000 points per month on the 5% category, 1,000 per month on the 1% category, grocery 1,000 points/month. Redemption (product page): cashback redemption capped at 3,000 points per calendar month; flight/hotel redemption capped at 50,000 points per calendar month and 50% of the booking; up to 70% of value on select vouchers/products |
| Spends that earn nothing | Fuel, rent, government, EMI, cash advances, card fees (earlier data); from 1 Sep 2024 wallet loading, Easy EMI and education payments earn nothing (product page) |
| Points expiry | 2 years |
| Milestone benefits | Either a Rs 1,000 gift voucher or 1 domestic lounge access on Rs 1 lakh spend in each calendar quarter |
| Reward notes | CashBack is credited as Reward Points and redeemed against the statement on request; min 500 points for statement redemption (product page). Redemption fee Rs 50 + GST per statement-credit request, Rs 99 + GST catalogue (MITC). base_return_pct = 1% earn x Re 1 per point; both stated by the issuer. |
Transfers
| Ratio | 1 point = 0.30 airmile (product page); partner programmes not named |
|---|
Travel and perks
| Domestic lounge | 1 visit per calendar quarter, only if chosen instead of the Rs 1,000 milestone voucher |
|---|---|
| International lounge | None |
| Lounge conditions | Rs 1 lakh spend in the calendar quarter; the lounge voucher and the Rs 1,000 gift voucher are alternatives, not both |
| Forex markupunverified | 3.5% |
| Fuel surcharge waiver | 1% on txns Rs 400-5,000, cap Rs 250 per statement cycle |
| Other freebies | Extra 10% Swiggy Dineout discount with coupon HDFCCARDS (earlier data: Rs 200 off on Rs 2,000 bill, twice a month) |
Charges and eligibility
| Interest per month | 3.75% |
|---|---|
| Late payment fee | On outstanding balance: up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 (MITC) |
| Cash advance fee | 2.5% of amount, min Rs 500 |
| Eligibility | Salaried: age 21-40, net monthly income above Rs 35,000. Self-employed: ITR above Rs 6 lakh a year (the page shows the same 21-40 age band) |
| Fine-print notes | CashPoints, not direct cashback: redemption must be requested, costs Rs 50 + GST each time (MITC) and is capped at 3,000 points a month. Lounge access is not a standing benefit: it is one visit a quarter taken in place of the Rs 1,000 milestone voucher. HDFC's own lifestyle category page (fetched 2026-10-12) still advertises '8 complimentary domestic lounge access' for Millennia, which the product page does not support. Product page read 2026-10-12; forex markup, networks and accrual caps are not on it. Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days. |
Questions
- What is the annual fee of the HDFC Millennia Credit Card?
- Rs 1,000 a year, before GST. It is waived if you spend Rs 1,00,000 in a year.
- Does the HDFC Millennia Credit Card give airport lounge access?
- Yes. In India: 1 visit per calendar quarter, only if chosen instead of the Rs 1,000 milestone voucher. Outside India: none listed. Conditions: Rs 1 lakh spend in the calendar quarter; the lounge voucher and the Rs 1,000 gift voucher are alternatives, not both
- What is the forex markup on the HDFC Millennia Credit Card?
- 3.5% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the HDFC Millennia Credit Card?
- Fuel, rent, government, EMI, cash advances, card fees (earlier data); from 1 Sep 2024 wallet loading, Easy EMI and education payments earn nothing (product page)