HDFC Bank

Millennia

HDFC Bank Millennia

Mastercard variant of HDFC's Millennia cashback card with 5% rewards at 10 online brands and an annual fee waived on ₹1,00,000+ yearly spend.

cashbackonline-shoppingfirst-timerslifestyle

Also available on Visa

HDFC Bank Millennia is issued on more than one network — each has different rewards and lounge access.

HDFC Bank
VISA
Millennia
Visa variant
HDFC issues Millennia on Visa (Signature), Mastercard (World), and Diners Club, with the specific network typically determined by sourcing channel rather than customer choice. Fees, eligibility, and the core 5%/1% CashPoints cashback structure are identical across variants; a few small perks differ, such as a BookMyShow Buy-1-Get-1 offer available on this Visa track.

Last reviewed 25 July 2026

Fees

Joining fee

₹1,000

Annual fee

₹1,000

Waiver: Waived on annual spend of ₹1,00,000 or more in the preceding cardmembership year

Eligibility

Min. monthly income: ₹35,000

Min. CIBIL Score: 700+

Age: 21–60 yrs

Employment: salaried, self employed

Rewards

online shopping5% cashback(cap ₹1,000 cashback/1mo)

all other1% cashback(cap ₹1,000 cashback/1mo)

Welcome benefits

• 1,000 CashPoints (worth ₹1,000) credited on payment of joining fee

Perks

✓Fuel surcharge waiver: 1%Capped at ₹250/month
✓Forex markup: 3.5%
✓5% cashback (as CashPoints) at 10 partner brands: Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, Zomato
✓Gift voucher worth ₹1,000 or an airport lounge access voucher on quarterly spend of ₹1,00,000+
✓10% discount at partner restaurants via Swiggy Dineout, up to twice a month (minimum bill ₹2,000)
✓50-day interest-free credit period

Common questions

What is the annual fee on the HDFC Bank Millennia?: The joining fee is ₹1,000. The annual fee is ₹1,000. Waived on annual spend of ₹1,00,000 or more in the preceding cardmembership year
What are the reward rates on the HDFC Bank Millennia?: HDFC Bank Millennia earns 5% cashback on online shopping, 1% cashback on all other spends.
Does the HDFC Bank Millennia offer airport lounge access?: No, the HDFC Bank Millennia does not include complimentary airport lounge access.
Who is eligible for the HDFC Bank Millennia?: Applicants typically need a minimum monthly income of ₹35,000, a CIBIL Score of 700+, a minimum age of 21, and must be salaried or self employed. Exact criteria are set by HDFC Bank and can vary by application.
Is the HDFC Bank Millennia available on other networks?: Yes, it's also issued on Visa. HDFC issues Millennia on Visa (Signature), Mastercard (World), and Diners Club, with the specific network typically determined by sourcing channel rather than customer choice. Fees, eligibility, and the core 5%/1% CashPoints cashback structure are identical across variants; a few small perks differ, such as a BookMyShow Buy-1-Get-1 offer available on this Visa track.

What you’d earn

Enter your monthly spend in this card’s reward categories for an estimated annual value.

Online shoppingBest rate

₹

5% cashback· cap ₹1,000 cashback/1mo

Everything else

₹

1% cashback· cap ₹1,000 cashback/1mo

Estimated annual value—

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Annual fee

₹4,500

Up to

2x points

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Annual fee

₹10,000

Up to

2x points

CompareView details →

Annual fee

₹5,000

Up to

2x points

CompareView details →

Perks

✓Fuel surcharge waiver: 1%Capped at ₹250/month

✓Forex markup: 3.5%

✓5% cashback (as CashPoints) at 10 partner brands: Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, Zomato

✓Gift voucher worth ₹1,000 or an airport lounge access voucher on quarterly spend of ₹1,00,000+

✓10% discount at partner restaurants via Swiggy Dineout, up to twice a month (minimum bill ₹2,000)

✓50-day interest-free credit period

Common questions

What is the annual fee on the HDFC Bank Millennia?

The joining fee is ₹1,000. The annual fee is ₹1,000. Waived on annual spend of ₹1,00,000 or more in the preceding cardmembership year

What are the reward rates on the HDFC Bank Millennia?

HDFC Bank Millennia earns 5% cashback on online shopping, 1% cashback on all other spends.

Does the HDFC Bank Millennia offer airport lounge access?

No, the HDFC Bank Millennia does not include complimentary airport lounge access.

Who is eligible for the HDFC Bank Millennia?

Applicants typically need a minimum monthly income of ₹35,000, a CIBIL Score of 700+, a minimum age of 21, and must be salaried or self employed. Exact criteria are set by HDFC Bank and can vary by application.

Is the HDFC Bank Millennia available on other networks?

Yes, it's also issued on Visa. HDFC issues Millennia on Visa (Signature), Mastercard (World), and Diners Club, with the specific network typically determined by sourcing channel rather than customer choice. Fees, eligibility, and the core 5%/1% CashPoints cashback structure are identical across variants; a few small perks differ, such as a BookMyShow Buy-1-Get-1 offer available on this Visa track.

HDFC Bank Millennia

Also available on Visa

Fees

Eligibility

Rewards

Perks

Common questions

What you’d earn

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