HDFC Bank Millennia Credit Card

HDFC Bank · Credit cards

Value over 3 years: ₹17,360

Facts read on 2 Nov 2026 · Source

Rating

4.3 out of 5 · Good

Value over three years (75% of the rating): 100/100
Simplicity (25% of the rating): 33/100

Worked out by method version 1 against the 3 cards listed, from the facts on this page. How products are rated

The facts

Annual fee: ₹1,000
Forex markup: 3.50%
Kind: Cashback
Joining fee: ₹1,000
Annual fee waived at: ₹1,00,000
Interest a month: 3.75%
Lounge access: One domestic lounge visit as a choice against the quarterly milestone

Worth knowing

5% cashback as CashPoints at ten online brands (Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato) and 1% on other spends, each capped at 1,000 CashPoints a month, so ₹2,000 a month in all; a CashPoint is worth ₹1 against the statement. No cashback on fuel, EMI, wallet loads, rent or government payments. Online shopping is counted at the ten brands. A ₹1,000 voucher or one lounge visit on ₹1 lakh of spends in a calendar quarter; the spending pattern reaches ₹90,000 a quarter, so it is not counted. Fee waived on ₹1 lakh of spends in a year. Caps from the card's terms; forex markup and interest from HDFC Bank's key fact statement and most important terms (December 2025 version).

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