Credit card

HDFC Bank Millennia Credit Card

Cash back

MASTERCARD

Apply for HDFC Bank Millennia Credit Card

On HDFC Bank's secure site

Compare similar cards

Credit card HDFC Bank Mastercard

Card review

HDFC Bank Millennia Credit Card

3.9 7.8/10 DebitCue Score Verified Jun 20, 2026

Best-value digital-first cashback card for online shoppers

Fee: ₹1,000 INR/yr (≈ $12); Waived on ₹1 lakh annual spend
Purchase APR: from 43.2%
Interest-free: 50 days
Foreign fee: 3.5%

Rewards

5% cashback on Amazon, Flipkart, BookMyShow, Cult.fit, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, Zomato; 1% on all other spends; cashback capped at 3,000 CashPoints/month

Welcome offer

1,000 CashPoints on card activation

Our verdict

What stands out, and where it falls short.

What we like

5% cashback on Amazon, Flipkart, BookMyShow, Cult.fit, Myntra, Sony…
Welcome bonus
50-day interest-free period

Worth weighing

₹1,000 INR/yr (≈ $12) card fee
3.5% foreign transaction fee
High interest if you carry a balance

Who It Is For

Whether the HDFC Bank Millennia Credit Card fits how you actually spend.

Pick it if you are

People who want rewards on their spending

Skip it if you are

Light spenders who won't beat the ₹1,000 INR/yr (≈ $12) fee
Frequent international travelers

Rates and fees

As of June 20, 2026

All amounts shown in INR.

Card fee: ₹1,000 INR/yr (≈ $12)
Purchase APR: from 43.2%
Interest-free period: 50 days
Foreign transaction fee: 3.5%
Monthly Interest Rate: 3.6% per month (43.2% p.a.)
Cash Advance Fee: 2.5% (min ₹500)

Rewards and features

Rewards: 5% cashback on Amazon, Flipkart, BookMyShow, Cult.fit, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, Zomato; 1% on all other spends; cashback capped at 3,000 CashPoints/month
Welcome offer: 1,000 CashPoints on card activation
Pay with: Contactless
Cashback Cap: 5% cashback capped at 3,000 CashPoints per calendar month across partner brands

Benefits and perks

Extras that come bundled with the card.

₹1,000 gift voucher on ₹1 lakh quarterly spend milestone

Eligibility

What you need before you apply.

Minimum Income (Salaried): ₹35,000/month (indicative)

HDFC Bank Millennia Credit Card: your questions answered

How much does the HDFC Bank Millennia Credit Card cost?

The HDFC Bank Millennia Credit Card costs ₹1,000 INR/yr (≈ $12). Waived on ₹1 lakh annual spend.

What rewards does the HDFC Bank Millennia Credit Card earn?

The HDFC Bank Millennia Credit Card earns 5% cashback on Amazon, Flipkart, BookMyShow, Cult.fit, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, Zomato; 1% on all other spends; cashback capped at 3,000 CashPoints/month.

Does the HDFC Bank Millennia Credit Card charge foreign transaction fees?

Yes - the HDFC Bank Millennia Credit Card charges a 3.5% foreign transaction fee.

Is there an interest-free period on the HDFC Bank Millennia Credit Card?

Yes - up to 50 days interest-free when you pay your balance in full by the due date.

What is the interest rate on the HDFC Bank Millennia Credit Card?

The HDFC Bank Millennia Credit Card has a purchase APR of from 43.2%.

Does the HDFC Bank Millennia Credit Card have a welcome offer?

Yes - 1,000 CashPoints on card activation.

Is the HDFC Bank Millennia Credit Card a credit, debit or prepaid card?

The HDFC Bank Millennia Credit Card is a credit card issued by HDFC Bank on the Mastercard network.

Does the HDFC Bank Millennia Credit Card support Apple Pay and Google Pay?

The HDFC Bank Millennia Credit Card does not list Apple Pay or Google Pay support.

Where can I get the HDFC Bank Millennia Credit Card?

The HDFC Bank Millennia Credit Card is currently offered in India, Indonesia, Japan, Malaysia, Philippines, Singapore, South Korea, Taiwan and 2 more.

How does DebitCue rate the HDFC Bank Millennia Credit Card?

DebitCue rates the HDFC Bank Millennia Credit Card 3.9 out of 5 (7.8/10), scored on the same factors as every card - fees, rewards, perks and ease of use.