HDFC Bank Millennia Credit Card
CardCheck Score
Excellent Choice
Joining Fee
₹1,000 + GST
Annual Fee
₹1,000 + GST
Fee Waiver
Waived @ ₹1L
Reward Rate
Up to 5% Cashback
CardCheck Rating & Category Breakdown
Reward Value
88/100
Fee Score
82/100
Lounge Access
70/100
Forex Value
65/100
Rewards & Top Benefits
Earn 5% cashback on top partner platforms with direct statement credit.
Accelerated 4% cashback across dining, rides, food delivery & entertainment.
Unlimited 1.5% base reward rate on all other online and offline retail transactions.
Complimentary lounge visits per year across major domestic airport terminals in India.
Waiver on fuel transactions between ₹400 and ₹4,000 across all petrol pumps in India.
Exclusive dining offers and discount privileges at over 10,000 partner restaurants.
Fees & Charges Breakdown
| Joining Fee | ₹1,000 + GST |
| Annual Fee | ₹1,000 + GST |
| Annual Fee Waiver | Waived @ ₹1L |
| Finance Charges | 3.6% per month (43.2% p.a.) |
| Forex Markup Fee | 3.5% + GST on international spends |
| Cash Advance Fee | 2.5% of amount withdrawn (Min ₹500) |
Compare HDFC Bank Millennia Credit Card vs Top Competitors
| Feature | HDFC Bank Millennia Credit Card | Flipkart Axis Bank Credit Card | IDFC FIRST Classic Credit Card |
|---|---|---|---|
| Joining Fee | ₹1,000 + GST | ₹500 + GST | Lifetime Free |
| Annual Fee | ₹1,000 + GST | ₹500 + GST | Lifetime Free |
| Fee Waiver | Waived @ ₹1L | Waived @ ₹3.5L | Lifetime free |
| Rating | ★ 4.8 | ★ 4.6 | ★ 4.5 |
Frequently Asked Questions
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Pros & Cons
✓ Pros
- ✓High cashback rate on top online partner platforms
- ✓Achievable annual spend threshold for fee waiver
- ✓Complimentary domestic airport lounge access
✗ Cons
- ✗Spends on fuel and wallet loading are excluded from rewards
- ✗Forex markup fee applies on international transactions
Ready to Apply?
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