HDFC · Credit Card
HDFC Millennia Credit Card
Official product: HDFC Bank Millennia Credit Card
- Cashback-style rewards on online spends
- Popular starter card for digital shoppers
- Accelerated reward points on popular spend categories
Fees, rewards and eligibility shown below are decided solely by HDFC and can change without notice — always confirm current terms on the official page before applying.
Fees & Charges
- Joining Fee
- ₹1,000 + taxes
- Annual / Renewal Fee
- ₹1,000 + taxes
- Annual Fee Waiver Condition
- Renewal fee waived on ₹1,00,000 retail spends in preceding 12 months.
- Interest Rate / Finance Charge
- 3.6% per month (43.2% p.a.) on many current HDFC consumer cards; card-specific MITC/product terms prevail.
- Late Payment Charges
- As per current HDFC Bank MITC / statement balance slab; see official MITC for current slabs.
- Forex Markup Fee
- Not disclosed by issuer — check official card page
Rewards, Travel & Lifestyle
- Reward / Cashback Rate
- 5% CashPoints on select online merchants/categories and 1% on other eligible spends per current product terms.
- Reward / Cashback Cap
- CashPoints redemption as statement cashback capped at 3,000 Reward Points per calendar month.
- Welcome Benefits
- Not disclosed by issuer — check official card page
- Domestic Lounge Access
- Not disclosed by issuer — check official card page
- International Lounge Access
- Not disclosed by issuer — check official card page
- Lounge Unlock / Spend Condition
- Not disclosed by issuer — check official card page
- Fuel Surcharge Waiver
- Not disclosed by issuer — check official card page
Eligibility & Documents
- Minimum Income / Eligibility
- Not disclosed by issuer — check official card page
- Age Eligibility
- Generally 18+; exact upper age / income is product and underwriting dependent.
- Employment Type
- Salaried / self-employed, subject to bank underwriting.
- Documents Required
- PAN, identity proof, address proof and income proof such as salary slips/Form 16/ITR/bank statements, as applicable.
Official Sources & Verification
Last verified: 2026-09-12. Verified from official source(s); undisclosed fields explicitly marked
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Before you apply
Frequently asked questions
What are the joining and annual fees for the HDFC Millennia credit card? ▾
Joining fee: ₹1,000 + taxes. Annual fee: ₹1,000 + taxes. Fee waiver: Renewal fee waived on ₹1,00,000 retail spends in preceding 12 months..
What rewards or cashback does the HDFC Millennia credit card offer? ▾
5% CashPoints on select online merchants/categories and 1% on other eligible spends per current product terms. Cap: CashPoints redemption as statement cashback capped at 3,000 Reward Points per calendar month.
Who is eligible for the HDFC Millennia credit card? ▾
Generally 18+; exact upper age / income is product and underwriting dependent. Salaried / self-employed, subject to bank underwriting.