HDFC Bank Millennia Credit Card
CardIQ
Fair
Overall score, out of 100 · How this works
- Cashback86
- Rewards23
Customer reviews
No reviews yet. Be the first to review the HDFC Bank Millennia Credit Card.
Pros & cons
What's good
- 1,000 bonus points to start, worth around ₹250 at our ₹0.25-per-point valuation.
- Earns cashback on eligible spending.
- No fee to add an additional cardholder.
Worth noting
- Plus GST. Same joining and renewal fee; renewal waived if you spend over ₹1,00,000 a year.
- Requires a minimum income of ₹4,20,000 a year.
- 3.5% foreign transaction fee on overseas spending, at the high end of the market.
- Earns no rewards points on spending.
Card details
The basics
- Additional cardholder fee
- ₹0 p.a.
- Card tier
- Not published
- Card type
- Not published
- Card use
- Personal
- Credit limit
- Not published
- Credit rating
- Not published
- Rewards program
- None
Eligibility
- Instant approval
- Not published
- Joint application
- Not published
- Minimum age
- 21 years old
- Minimum income
- ₹4,20,000 p.a.
- Residency
- Indian nationality; aged 21 to 40; salaried (net monthly income above ₹35,000) or self-employed (ITR above ₹6 lakh a year)
- Temporary residents
- Not published
Rates & fees
Ongoing interest rates
- Cash advances
- 45.00% p.a.
- Purchases
- 45.00% p.a.
Fees
- Additional cardholder fee
- ₹0
- Annual fee
- ₹1,000 p.a.
- Cash advance fee
- 2.5% of the amount
- Foreign transaction fee
- 3.5%
- Late payment fee
- ₹1,300
- Over limit fee
- ₹550
Repayments
- Interest-free period
- Up to 50 days on purchases
- Minimum repayment
- 5% of (retail spends + cash advance + finance charge) plus GST, EMI amounts, 100% of fees and charges and any over-limit amount; where 5% is less than the finance charge, 100% of the finance charge plus 5% of retail spends and cash advance (HDFC Bank MITC, from June 2025)
Balance transfers
This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.
Introductory purchase offer
This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.
Rewards
Cashback
- Ongoing cashback
- 1% on eligible spend
5% CashBack on ten online merchants (Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, Zomato; non-EMI spends only) and 1% on other spends except fuel, EMI, wallet, rent and government-related spends; paid as CashPoints worth ₹1 each against the statement; the terms table caps each of the two rows at 1,000 CashPoints per cycle (the 5% merchant terms say per calendar month).
Where this card sits vs similar cards
Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.
Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.
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Browse by card type
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Questions and answers
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Sources
- Credit Card Compare
- How CardIQ scores cards
- Issuer
- HDFC Bank