HDFC Bank Millennia Credit Card

HDFC Bank · Open to apply

HDFC's everyday cashback card: 5% on ten online brands (Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber and others) and 1% on everything else, each capped at 1,000 CashPoints a month, with ₹1,000 of vouchers for every ₹1 lakh spent in a quarter. The ₹1,000 fee is waived at ₹1 lakh a year.

Annual fee
₹1,000 + GST a year
Joining fee
₹1,000 + GST
Fee waiver
Annual fee waived on ₹1,00,000 spend per card year
Base rate
1% CashBack on other spends: 1 CashPoints per ₹100 (about 1% at cash value)
Lounges
Domestic: 1 visit a calendar quarter after ₹1,00,000 spend
Forex markup
3.5%
Data
From bank documents, checked 6 Nov 2026

Main earn rates

  • SmartBuy at IGP, Jockey and PharmEasy, 10% CashBack: 10% in CashPoints on top of the base rate (about 10% at cash value)
  • 5% CashBack on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato: 5 CashPoints per ₹100 (about 5% at cash value)
  • SmartBuy flights and hotels, 5% CashBack on top of the base: 5% in CashPoints on top of the base rate (about 5% at cash value)
  • SmartBuy at Nykaa, redBus, Zoomcar, Apple (Imagine Tresor) and MakeMyTrip holiday packages, 5% CashBack: 5% in CashPoints on top of the base rate (about 5% at cash value)
  • SmartBuy instant brand vouchers, 5% CashBack: 5% in CashPoints on top of the base rate (about 5% at cash value)

Earns nothing on

  • No CashPoints on fuel
  • No CashPoints on rent or government-related payments (from 1 January 2023)
  • No CashPoints on wallet loads (from 1 September 2024)
  • No CashPoints on EMI (from 1 September 2024), including Smart EMI and Dial an EMI
  • No CashPoints on online skill-based gaming (from 1 July 2025)
  • No CashPoints on education fees paid through third-party apps (from 1 September 2024)

Where the sources disagree

  • prepaid card, gift card, wallet load and voucher purchases: The 20 July 2026 T&C says in its table footnote and its 5% section that gift card, prepaid card and voucher purchases earn 1% (never 5%), and in its 1% section that prepaid card, gift card, wallet load and voucher purchases earn nothing, defining them as MCC 6540 transactions. The 27 February 2026 version said they earn 1%. Entered as 1% for gift cards and vouchers (two of the three statements, and the earlier version) and nothing for MCC 6540 wallet and prepaid loads; SmartBuy voucher cashback is entered separately.
  • eligibility: Two sections of the same eligibility page give different age, income and ITR tests (see eligibility note).
  • rent payment fee: The T&C says 1% capped at ₹3,000 on rent paid through third-party apps (from 1 August 2024). The MITC v4.15 says 1% on rent at any applicable merchant, capped at ₹4,999 a transaction from 1 July 2025. The MITC is used (issuer file).

Terms the calculator does not value

  • The ₹50 + GST fee on each statement-credit redemption (at most 3,000 CashPoints a month, minimum 500) is not charged in the calculator; a cardholder redeeming every month pays about ₹600 a year before GST.
  • SmartBuy cashback applies only to purchases made through the SmartBuy portal and only if the calculator's portal option is on. Millennia is assumed to sit in the table's "Other credit card" column; the card's own T&C only says SmartBuy and PayZapp offers apply as per their terms. PayZapp Shop offers are not entered.
  • Swiggy Instamart is not named in the 5% list, so it is valued at 1%. Uber at 5% is not applied to the calculator's cab line because that line has no merchant.
  • The quarterly milestone gives either the ₹1,000 voucher or one domestic lounge voucher, not both. The milestone is valued as the voucher; if lounge visits are also set in the calculator, the lounge line counts the same quarter twice.
  • CashPoints post in the first week of the month after settlement, not the month they are earned.
  • Utilities and telecom: the MITC's clause n caps (utility and telecom Reward Points "capped at 2000 Reward Points per calendar month", from 1 September 2024) do not apply to Millennia: "Please note: For Millennia, UPI, BIZ UPI, Swiggy, BIZ First, Paytm, Paytm Business, Easy EMI Millennia, Best Price Save Smart and Bharat credit cards, the capping as per the product feature will continue to be applicable." The product capping is the T&C's: utility and telecom bills earn the 1% on other spends, where "The Cardholder can earn up to 1,000 CashPoints under the 1% CashBack on other spends in a calendar month".
  • Insurance and groceries: no separate cap is applied. The MITC caps "Reward Points accrued for insurance transactions" at "2000 per month for all other credit cards" (clause e, from 1 July 2025) and "Reward Points earned on Grocery transactions" at "1000 reward points for the rest of the cards" (clause m, from 1 January 2023). Both speak of Reward Points, where the MITC writes "Reward Points/CashPoints" for terms that cover the cashback cards (clauses g and l), and Millennia's T&C sets no insurance or grocery cap. Either way neither cap can bind: insurance and grocery spend earn the 1% on other spends, whose 1,000 CashPoints a calendar month cap already limits them together with all other 1% spend.

Sources

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