The HDFC Millennia Credit Card is designed mainly for people who spend regularly on online shopping, food, entertainment and other everyday purchases. Its biggest attraction is cashback on selected online merchants, while the annual fee can be recovered through regular eligible spending.
But the card is not automatically the best choice for everyone. The value depends on where you spend, how much you spend and whether you can make use of its cashback benefits.
HDFC Millennia Credit Card at a Glance
| Key Detail | Information |
|---|---|
| Card Type | Cashback Credit Card |
| Joining Fee | ₹1,000 + applicable taxes |
| Renewal Fee | ₹1,000 + applicable taxes |
| Fee Waiver | ₹1 lakh annual spending |
| Cashback | 5% on selected online merchants |
| Other Cashback | 1% on other eligible spends |
| Quarterly Milestone | ₹1,000 voucher or 1 domestic lounge access |
| Fuel Surcharge | 1% waiver |
| Best For | Online shoppers & everyday spending |
Fees and benefits can change. Check HDFC Bank’s latest terms before applying.
Annual Fee & Charges
The HDFC Millennia Credit Card carries a membership fee of ₹1,000 plus applicable taxes. The renewal fee can be waived when eligible annual spending reaches ₹1 lakh.
For someone who spends regularly on eligible purchases, the fee may be reasonable. However, low spenders should compare the annual fee with the cashback they are likely to earn before applying.
Key Benefits
5% Cashback on Selected Online Merchants
The card offers 5% cashback on eligible non-EMI spending at selected merchants, including Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato.
The cashback is subject to a maximum of 1,000 CashPoints per billing cycle for this category.
1% Cashback on Other Eligible Spending
Eligible other spending can earn 1% cashback, subject to the applicable exclusions and cashback limits.
Fuel, EMI, wallet, rent and government-related transactions are among the excluded categories under the current terms.
Cashback Redemption
The cashback is provided through CashPoints. Cardholders can redeem eligible CashPoints against the outstanding amount on the Millennia Credit Card.
Fuel Surcharge Waiver
The card also provides a fuel surcharge waiver subject to the applicable transaction conditions and limits.
What We Like
- Strong cashback potential for regular online shoppers.
- Cashback is focused on popular everyday merchants.
- ₹1,000 annual fee is relatively manageable for regular spenders.
- Renewal fee waiver can make the card more attractive for higher annual spending.
Things to Keep in Mind
- Cashback comes with category limits and conditions.
- Not every transaction earns cashback.
- Fuel, EMI, wallet, rent and certain other transactions are excluded from the relevant cashback category.
- The annual fee may not be worthwhile for people with low eligible spending.
- Domestic airport lounge access should not be considered a current Millennia benefit based on HDFC’s current terms.
Who Should Consider It?
The HDFC Millennia Credit Card can be a good fit if you regularly shop online and spend on merchants covered by its cashback programme.
It may be particularly useful for people who frequently use platforms such as Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber and other eligible merchants.
If your spending is low or mostly falls outside the eligible cashback categories, another card with a different reward structure may provide better value.
Apply Online
Before applying, check HDFC Bank’s latest fees, eligibility requirements, cashback limits, exclusions and other terms, as card features and conditions can change.
Our Verdict
The HDFC Millennia Credit Card is worth considering for regular online shoppers who can make good use of its selected-merchant cashback.
It is not simply about having a high cashback percentage. The real value comes from matching the card with your actual spending pattern.
Choose the card that fits your spending — not just the card with the biggest advertised reward.
Want to understand how secured cards compare with other credit card types? Read our Types of Credit Cards: Which One Is Right for You? (2026 Complete Guide) to explore the different options and find one that may suit your needs.