HDFC Millennia Review 2026
Last reviewed:
Quick verdict
The go-to card for online shoppers who split purchases across Amazon, Flipkart, and Swiggy. The 5% cashback on these platforms is hard to beat at this price point. Quarterly milestone rewards of ₹1,000 effectively offset the annual fee if you spend consistently.
Pros
- Airport lounge access: 8 domestic per year
- Welcome benefit: 1000 Cash Points on first txn
Cons
- 3.5% + GST forex markup makes it expensive abroad
- Interest of 3.49% per month (41.88% p.a.) if you carry a balance
Key benefits
- 1% cashback on all offline spends
- 8 complimentary domestic lounge visits per year
- Welcome benefit of 1000 Cash Points
- Quarterly milestone rewards of ₹1000
Fees & charges at a glance
| Joining Fee | ₹1,000 + GST |
|---|---|
| Annual Fee | ₹1,000 + GST |
| Rewards | 5% Cashback on Amazon, Flipkart, Swiggy |
| Welcome Benefit | 1000 Cash Points on first txn |
| Lounge Access | 8 domestic per year |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST |
| Interest Rate | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹50,000 - ₹5,00,000 |
| Add-On Card Fee | Free |
| Min Income | ₹25,000/month |
| Network | Mastercard |
| Contactless | Yes |
| EMI Conversion | Yes |
Who should get this card?
The HDFC Millennia is best suited for online shopping. It is a cashback card on the Mastercard network, and HDFC Bank generally looks for a minimum income of ₹25,000/month. If your spending matches its reward categories (5% cashback on amazon, flipkart, swiggy), the card can pay for its annual fee of ₹1,000 + GST. If not, a lifetime-free card may give you better net value.
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HDFC Millennia: frequently asked questions
What is the annual fee of the HDFC Millennia?
The HDFC Millennia has a joining fee of ₹1,000 + GST and an annual fee of ₹1,000 + GST. Many banks waive the renewal fee when you cross a yearly spend milestone — check the latest waiver condition with HDFC Bank.
What rewards does the HDFC Millennia give?
5% Cashback on Amazon, Flipkart, Swiggy. 1% cashback on all offline spends. 8 complimentary domestic lounge visits per year.
Does the HDFC Millennia offer airport lounge access?
Yes. The HDFC Millennia offers 8 domestic per year. Lounge programmes are often linked to a minimum spend in the previous quarter, so confirm the current rule with HDFC Bank.
What is the eligibility and minimum income for the HDFC Millennia?
HDFC Bank typically requires a minimum income of ₹25,000/month for the HDFC Millennia, along with a good credit score (750+ improves approval chances), age of 21 or above, and valid KYC documents (PAN and Aadhaar).
What is the interest rate on the HDFC Millennia?
The HDFC Millennia charges 3.49% per month (41.88% p.a.) on unpaid balances. Interest is avoided completely if you pay the full statement amount by the due date every month.
What is the forex markup on the HDFC Millennia?
The foreign currency markup on the HDFC Millennia is 3.5% + GST. Cards with a 2% or lower markup are better for frequent international travel and foreign-currency online shopping.
Can I link the HDFC Millennia to UPI?
No. The HDFC Millennia runs on the Mastercard network. Only RuPay credit cards can be linked to UPI in India at present.
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