What is the Millennia Credit Card?

The Millennia Credit Card is an HDFC Bank credit card that offers a range of benefits and rewards on your everyday spending. It provides CashBack on online and offline purchases, lounge access privileges, fuel surcharge waivers, and much more. Apply for the Millennia Credit Card to enjoy a world of exclusive benefits and rewards.

What is the minimum credit score required for the Millennia Credit Card?

The minimum credit score required for the Millennia Credit Card is subject to HDFC Bank's internal policies. We recommend you check your eligibility to determine if you meet the requirements.

Is the Millennia Credit Card free?

The Millennia Credit Card comes with an annual membership fee of ₹1000 plus applicable taxes. However, you can get the renewal fee waived by spending ₹1,00,000 and above within the first year.

Credit Cards

CashbackEntryVisa

HDFC Millennia Credit Card

Everyday cashback for young professionals building credit

Annual fee₹1,000Waived on ₹1.0L spend

Rewards1%Cashback

Forex markup—

Apply Now Check Eligibility →

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Welcome benefits

worth ₹1,000

Reward Points equivalent to Fee Amount

Type: Reward Points
Trigger: Fee Payment

Rewards

Base earn rate

1% CashBack on other spends

Excludes: Wallet Loading, Easy Emi, Education Payments

Category	Rate	Cap
Online Shopping	—	—
Food Delivery	—	—
Ride Hailing	—	—
Entertainment	—	—
Fitness	—	—
Smartbuy Payzapp	—	—

• Unredeemed Reward Points expire/lapse after 2 years.
• Minimum redemption: 500 points

Milestone benefits

Get either ₹1,000 worth gift voucher or 1 domestic lounge access on spends of ₹1,00,000 and above in each calendar quarter. Quarterly spend-based Domestic Airport Lounge Access. Please Note: Lounge access is integrated into quarterly spends milestone program. Upon achieving quarterly spends milestone, users can either opt for HOI airport lounge access voucher (Or) Rs. 1000 voucher from the available list of Brands

Fees & charges

Joining fee: ₹1,000/- + Applicable Taxes
Annual / renewal fee: ₹1,000/- + Applicable Taxes
Annual fee waiver: Spend over ₹1,00,000 in a year before renewal to get your Credit Card fee waived.
Interest-free period: 50 days
Fuel surcharge: 1% waiver, on ₹400–₹5000 txns, max ₹250/cycle

View official MITC →

Insurance covers

Fraud liability

Zero lost card liability : In the unfortunate event of losing your HDFC Bank Millennia Credit Card, on reporting it immediately to our 24-hour call centre (Toll free numbers 1800 1600/1800 2600. Customers traveling overseas can reach us at 022-61606160, you have zero liability on any fraudulent transactions made on your Credit Card.

Eligibility

Income (salaried): Salaried: Net Monthly Income > ₹35,000. Self Employed: ITR > ₹6 Lakh per annum
Income (self-employed): ₹6L/year
Age: 21–40 years

Employment types

SalariedSelf-Employed

Features

✓ Contactless✓ Chip & PIN✓ International usage

Additional features

MyCards mobile-based service platform
Credit Card Registration and Activation
Set up Card PIN
Manage card controls like online spends, contactless transactions
View Transactions/Download e-statements
Check Reward Points
Block/Re-issue card
Single Interface for Credit Cards, Debit Cards, FASTag and Consumer Durable Loans
Spends tracking
Smart EMI facility

No rewards on

Wallet Loading · Easy Emi · Education Payments

Card management via MyCards.

Is this card worth it for you?

Your monthly spend

₹10,000₹5,00,000

Smartbuy payzapp — 5% back

0% of spend100% of spend

Online spends — 2.5% back

0% of spend100% of spend

Remaining 65% of spend earns the 1% base rate.

Rewards / year

₹9,000

≈ 1.50% effective

Annual fee

₹0 (waived)

waived at ₹1,00,000/yr spend

Net steady-state return

+₹9,000/year

Strong fit at this spend

At ₹50,000/month, rewards outrun the fee by ₹9,000 a year.

Apply Now Check Eligibility →

One-time joining fee (year 1 only): ₹1,000

One-time welcome benefit: ~₹1,000 — 1000 CashPoints applicable only on payment of membership fee (valued at 1 CashPoint = Re.1).

Based on published rates as of 2026-08-07; assumes 1 CashPoint = Re.1 when redeemed against statement balance (min 500 CashPoints, request only); 1 CashPoint = Rs.0.30 for SmartBuy travel/catalogue redemption. This is a cashback card; CashPoints are the cashback vehicle.. Rewards estimates, not guarantees.