HDFC Bank Millennia Credit Card

HDFC Bank Millennia Credit Card

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Joining Fee

Rs. 1,000 (plus applicable taxes)

Rewards and Benefits
Welcome Benefits

1,000 CashPoints as a Welcome Benefit.

Rewards Rate

5% cashback (as CashPoints) at select partner online merchants and 1% cashback (as CashPoints) on all other spends (except fuel)

Movie & Dining

Up to 20% discount at partner restaurants with complimentary Dineout Passport membership

Reward Redemption

Rewards processed as CashPoints, 1 CP = Re. 1 while redeeming against statement balance of credit card and 1 CP = Rs. 0.30 while redeeming against products and vouchers in the product catalogue, and against flight/hotel booking.


Complimentary airport lounge access every year.



Domestic Lounge

2 complimentary visits per quarter. (8 in a year)

International Lounge


Insurance Benefits


Zero Liability Protection

Zero liability of the credit cardholder in case of fraudulent transactions after you have reported about the loss or theft of the card to the bank.

Fees & Charges
Joining Fees

Rs. 1,000 (plus taxes)

Renewal Fee

Rs. 1,000 (plus taxes).

Spend based Waiver

The renewal fee is waived off if the cardholder spends Rs. 1 Lakh or more in the previous year.

Rewards Redemption Fee

Rs. 99 per redemption request (plus applicable taxes)

Foreign Currency Markup

3.5% (plus applicable taxes)

Interest Rates

3.6% per month (or 43.2% per annum)

Fuel Surcharge

1% Fuel surcharge which is waived if you spend minimum Rs 400 in single transaction. The maximum CashBack is capped at Rs. 250 per payment cycle.

Cash Advance Charge

2.5% of the transaction amount, subject to a minimum fee of Rs. 500

Add-on Card Fee


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