What are the main benefits of the HDFC Bank Millennia Credit Card?

The HDFC Bank Millennia Credit Card offers 5% cashback on popular online merchants like Amazon and Flipkart, 1% on other spends, and gift vouchers on quarterly milestones.

What is the joining fee for the HDFC Bank Millennia Credit Card?

The HDFC Bank Millennia Credit Card has a joining fee of ₹1,000 + Applicable Taxes, often waived through special offers.

How can I waive the renewal fee for my HDFC Bank Millennia Credit Card?

The renewal fee for the HDFC Bank Millennia Credit Card is waived if you spend ₹1,00,000 or more in the preceding 12 months.

How do I earn CashPoints with the HDFC Bank Millennia Credit Card?

You earn 5% CashPoints on select online merchants and 1% on other eligible online and offline spends with the HDFC Bank Millennia Credit Card.

What is the foreign currency markup on the HDFC Bank Millennia Credit Card?

The HDFC Bank Millennia Credit Card has a foreign currency markup of 3.5% + GST on international transactions.

Can I get lounge access with the HDFC Bank Millennia Credit Card?

Yes, the HDFC Bank Millennia Credit Card offers airport lounge access vouchers upon achieving quarterly spend milestones.

What is the redemption value of CashPoints for the HDFC Bank Millennia Credit Card?

CashPoints from the HDFC Bank Millennia Credit Card can be redeemed at 1 CashPoint = ₹1 for statement balance or ₹0.30 for travel/catalogue.

Are there any charges for redeeming CashPoints from the HDFC Bank Millennia Credit Card?

Yes, the HDFC Bank Millennia Credit Card charges ₹50 + GST for cash redemption and ₹99 + GST for other redemption requests, effective August 2024.

Is the HDFC Bank Millennia Credit Card suitable for online shopping?

Absolutely, the HDFC Bank Millennia Credit Card is ideal for online shopping, offering high cashback on major e-commerce platforms like Amazon and Flipkart.

What are the interest rates for the HDFC Bank Millennia Credit Card?

The HDFC Bank Millennia Credit Card has an interest rate of 3.75% per month, equating to 45% annually.

HDFC Bank

HDFC Bank Millennia Credit Card

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Last updated: 26 October 2025

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Welcome Offer

Receive 1,000 bonus CashPoints upon successful realization of the joining fee.

Rewards Rate

Earn 5% cashback on select online merchants & 1% on other eligible online/offline spends.

Reward Type

Cashback

Reward Redemption

Redeem CashPoints against statement balance (1:1), travel, catalogue (1:0.30), or airmiles.

Domestic Lounge Access

Complimentary airport lounge access voucher upon achieving quarterly spend milestones.

International Lounge Access

Not Applicable

Premium Benefits

Not Applicable

Insurance Coverage

Zero liability on fraudulent transactions if lost card is reported immediately.

Movie

5% cashback on BookMyShow and Sony LIV, capped at 1,000 CashPoints per cycle.

Dining

10% additional discount on Swiggy Dineout, flat ₹200 off (min ₹2000), twice monthly.

Travel Benefits

Redeem CashPoints for up to 50% of flight & hotel bookings via SmartBuy Rewards Portal.

What matters, explained clearly

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Frequently Asked Questions

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