HDFC Bank Millennia Credit Card

HDFC Bank Millennia Credit Card


Joining Fee: Rs 1000+GST
Annual Fee: Rs 1000+GST




1% to 6%



Payment Network

Visa, Mastercard, Diners Club International


Milestone Rewards, Domestic Airport Lounge Access, Fuel Surcharge Waiver

If you prefer cashback over rewards, HDFC Bank Millennia credit card is a much better choice. Millennia comes with a joining and annual fee of Rs 1000+GST. The annual fee is waived on spends of Rs 1 Lakh in a membership year. Millennia credit card’s USP is its 5% cashback on partner merchants including Amazon, Flipkart, Myntra, Swiggy, Uber and more. All other retail spends get 1% cashback. Among Millennia’s benefits are complimentary domestic airport lounge access and a fuel surcharge waiver.


Card Maven Tip

If you do not get an LTF offer for Millennia when you apply online, try applying at the branch on C2C basis. You may get a LTF offer.

LTF IndusInd Bank Credit Cards
Joining FeeRs 1000+GST/LTF
Welcome BenefitsRs 1000 Gift Voucher (if joining fee is paid)
Annual FeeRs 1000+GST/LTF
Annual Fee WaiverOn spends of Rs 1 Lakh in a membership year
Payment NetworkVisa, Mastercard and Diners
HDFC Bank Millennia Credit Card Review – Overview

HDFC Bank Millennia Credit Card Cashback

CategoryCashbackMaximum Cashback
Spends on Amazon, BookMyShow,, Flipkart,
Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber & Zomato

Rs 1000/calendar month
All other transactions (except fuel, govt. transactions and rent)1%Rs 1000/calendar month
Fuel, Government Transactions, Rent0%Not Applicable
HDFC Bank Millennia Credit Card – Cashback
  • There is no minimum transaction size to be eligible for cashback.
  • You can earn a maximum cashback of Rs 2000 every month with Millennia. This cap is only for regular cashback. SmartBuy cashback cap is separate.

Card Maven Info

Millennia is the only credit card from HDFC Bank to offer rewards for loading digital wallets like PayZapp and Mobikwik.

Milestone Rewards

We get gift vouchers worth Rs 1000 on spends of Rs 1 Lakh and above in each calendar quarter. This translates to an average spend of Rs 25000 each month, which is achievable. The milestone benefit increases the cashback rate by another 1% return.

SmartBuy Rewards

Millennia is also eligible for SmartBuy platform. Cashback on SmartBuy transactions is capped at Rs 1000/calendar month for HDFC Bank Millennia credit card.

LTF IDFC First Bank Credit Cards
Shopping CategoryCashback
Instant Voucher5%
Apple Tresor5%
MMT Holiday Packages5%
HDFC Bank Millennia Credit Card – SmartBuy Cashback

Rewards Redemption

The eligible cashback for Millennia credit card transactions is given in the form of cashback points. We need a minimum of 500 cash points for redemption. The cash points are valid for 2 years from the accumulation date.

There are two options for redemption – statement credit or flights/hotel booking on SmartBuy. Redemption for flights/hotels on SmartBuy is not worth going for as we can get cashback at 1:1 value.

Redemption Option Value
Statement Credit1 Cashpoint = Rs 1
Flights/Hotels on Smartbuy1 Cashpoint = 30 paise
HDFC Bank Millennia Credit Card – Redemption Options

Complimentary Airport Lounge Access

Millennia’s complimentary airport lounge access program has changed now. We now get 1 domestic lounge visit per quarter but it is now bundled into the milestone benefit. This means, you now have to choose one option between the Rs 1000 GV or airport lounge access once you are eligible for the milestone benefit.

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For example in the January to March quarter, you spend more than Rs 1 Lakh. HDFC Bank will send you a SMS that you are eligible for milestone benefits. Upon logging in, you will need to choose one from the airport lounge access voucher or the gift voucher. It is highly likely everyone will choose the Rs 1000 GV as we can get airport lounge access on other credit/debit cards.

If you choose the airport lounge access voucher, you will receive a digital DreamFolks QR code over email. This code is valid for 90 days and can be used at the below airport lounges.

DelhiNew DelhiEncalm LoungeInternational T3
DelhiNew DelhiEncalm LoungeDomestic T3
MaharashtraMumbai(MALS) Travel club loungeDomestic T2
MaharashtraMumbaiLoyalty Lounge (Clipper)International T2
Tamil NaduChennaiTravel Club Lounge BDomestic T1
Tamil NaduChennaiTravel Club Lounge ADomestic T1
Tamil NaduChennaiTravel Club LoungeInternational T2
Tamil NaduChennaiTravel Club LoungeDomestic T4
West BengalKolkataTravel Club LoungeDomestic T1
KarnatakaBangaloreBLR Domestic LoungeDomestic T1
TelanganaHyderabadEncalm LoungeDomestic T1
TelanganaHyderabadEncalm LoungeDomestic T1
HDFC Bank Millennia Credit Card – List of eligible airport lounges for complimentary access

Other Key Benefits & Charges

  • Fuel Surcharge Waiver: 1% waiver on transactions from Rs 400 to Rs 5000. Maximum waiver of Rs 250/statement cycle.
  • Foreign Currency Markup: 3.5%+GST ~4.1%
  • Interest Rate: 3.6% per month

Final Thoughts

With the new changes, Millennia is now in the same league as Flipkart Axis and Amazon Pay ICICI credit cards. The key difference is that Millennia has a cap on cashback rewards. But, if your transactions are not going to hit the cashback cap then this is now a good card for shopping.

Another better alternative for the HDFC Bank Millennia credit card is the newly launched SBI Cashback card. It offers 5% cashback on all online transactions except few categories like education, utilities and wallets. So, do check it out too.

HDFC Bank Millennia Credit Card


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6 thoughts on “HDFC Bank Millennia Credit Card”

  1. Is there any LTF offer still running?
    I don’t see any such offer, any suggestions how to get the same?

    1. Card Maven

      The offer to get LTF with Smartpay or add-ons is paused for now.

      Now, you can get LTF based on your employer or pre-approved offer.


    Flipkart CB is also 5% right?

    From Website: “5% Cashback on Amazon, BookMyShow,, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato”

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