HDFC Bank Millennia Credit Card

HDFC Bank Millennia Credit Card

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HDFC Bank MoneyBack Plus Credit Card

HDFC Bank MoneyBack Plus Credit Card

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HDFC Bank Freedom Credit Card

HDFC Bank Freedom Credit Card

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Joining Fee

Rs. 1,000 + GST

Joining Fee

Rs. 500 + GST

Joining Fee

Rs. 500 + GST
Rewards and Benefits

Welcome Benefits

1,000 CashPoints as a Welcome Benefit.

Welcome Benefits

500 CashPoints

Welcome Benefits

500 CashPoints

Rewards Rate

5% cashback (as CashPoints) at select partner online merchants and 1% cashback (as CashPoints) on all other spends (except fuel, rental, and govt. related transactions)

Rewards Rate

2 CashPoints for every Rs. 150 you spend on retail purchases, 5X CashPoints per EMI spends at select merchants, 10X CashPoints on partner brands.

Rewards Rate

Get 1 CashPoint for every Rs. 150 spent on all purchases, earn 5x CashPoints on EMI transactions at merchant outlets, and 10x CashPoints on Big Basket, Swiggy, BookMyShow, Oyo, Uber, and more.

Movie & Dining

Up to 20% discount at partner restaurants with Swiggy Dineout

Movie & Dining

Up to 15% off on dining at over 2,000 premium restaurants.

Movie & Dining

Up to 20% off via Swiggy Dineout

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.

Reward Redemption

CashPoints redeemable for cashback, purchasing products, flight/hotel bookings via SmartBuy and partner airlines' AirMiles

Reward Redemption

1 CashPoint = Re. 0.15 for redemption on SmartBuy or cashback.

Travel

One free airport lounge visit on spending Rs. 1 lakh in a quarter (Milestone Benefit)

Travel

N/A

Travel

N/A

Golf

N/A

Golf

N/A

Golf

N/A

Domestic Lounge

N/A

Domestic Lounge

N/A

Domestic Lounge

N/A

International Lounge

N/A

International Lounge

N/A

International Lounge

N/A

Insurance Benefits

N/A

Insurance Benefits

N/A

Insurance Benefits

N/A

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.

Zero Liability Protection

No liability for the cardholder towards the transactions done on a lost/stolen card if the issue is reported to the bank in a timely manner.

Zero Liability Protection

Cardholders shall not be liable for any fraudulent transaction made with the card post reporting the loss of the card to the bank.
Fees & Charges

Renewal Fee

Rs. 1,000 + GST

Renewal Fee

Rs. 500 + GST

Renewal Fee

Rs. 500 + GST

Spend-Based Waiver

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

Spend-Based Waiver

Renewal fee waived off on spending Rs. 50,000 or more in the previous year

Spend-Based Waiver

Rs. 50,000 spent in the previous year

Rewards Redemption Fee

Rs. 99 per redemption request (plus applicable taxes)

Rewards Redemption Fee

Rs. 99 per redemption request

Rewards Redemption Fee

Rs. 99 per redemption request (plus applicable taxes)

Foreign Currency Markup

3.5% (plus applicable taxes)

Foreign Currency Markup

3.5 % of the transacted amount

Foreign Currency Markup

3.5% on the conversion amount (plus applicable taxes)

Interest Rates

3.6% per month (or 43.2% per annum)

Interest Rates

3.6% per month (or 43.2% annually)

Interest Rates

3.6% per month (or 43.2% per annum), 0.99% for the first 90 days.

Fuel Surcharge

A 1% Fuel surcharge is waived if you spend between Rs. 400 and Rs. 5,000 on fuel (Max Rs. 250 per statement cycle)

Fuel Surcharge

1% fuel surcharge waiver applicable on all fuel transactions

Fuel Surcharge

1% fuel surcharge waived off at all filling stations across India for transactions between Rs. 400 and Rs. 5,000

Cash Advance Charges

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

Cash Advance Charges

2.5% of the withdrawn amount (subject to a minimum charge of Rs. 500)

Cash Advance Charges

2.50% of the withdrawn amount (subject to a minimum charge of Rs. 500)

Add-on Card Fee

Nil

Add-on Card Fee

Nil

Add-on Card Fee

Nil

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