HDFC Bank Millennia Credit Card

HDFC Bank Millennia Credit Card

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HDFC Bank UPI RuPay Credit Card

HDFC Bank UPI RuPay Credit Card

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Joining Fee

Rs. 1,000 + GST

Joining Fee

Rs. 99 + GST
Rewards and Benefits

Welcome Benefits

1,000 CashPoints as a Welcome Benefit.

Welcome Benefits

NA

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

3% Cashpoints on groceries, dining, and supermarket spends2% Cashpoints on utility spends1% Cashpoints on other spends, with some exclusions

Movie & Dining

Up to 20% discount at partner restaurants with Swiggy Dineout

Movie & Dining

3% Cashpoints on Dining spends

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

The Cashpoints can be redeemed against card statement balance, hotel and flight ticket bookings, on the Smartbuy rewards portal, where 1 Cashpoints = Rs. 0.25

Travel

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

Travel

NA

Golf

N/A

Golf

NA

Domestic Lounge

N/A

Domestic Lounge

NA

International Lounge

N/A

International Lounge

NA

Insurance Benefits

N/A

Insurance Benefits

NA

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

Cardholders are not liable for fraud transactions if they report about the card loss or theft in a timely manner
Fees & Charges

Renewal Fee

Rs. 1,000 + GST

Renewal Fee

Rs. 99 + 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 is waived off on spending Rs.25,000 or more in the previous year

Rewards Redemption Fee

Rs. 99 per redemption request (plus applicable taxes)

Rewards Redemption Fee

Rs. 99 plus taxes

Foreign Currency Markup

3.5% (plus applicable taxes)

Foreign Currency Markup

3.5% of the transactions amount

Interest Rates

3.6% per month (or 43.2% per annum)

Interest Rates

3.6% per month or 43.2% per annum

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

NA

Cash Advance Charges

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

Cash Advance Charges

2.5% of the withdrawal amount or Rs. 500, whichever is higher

Add-on Card Fee

Nil

Add-on Card Fee

Nil

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