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HDFC Bank · Mastercard / Visa / Diners Club (subject to issuance)

HDFC Millennia

CashPoints on ten named online merchants and eligible everyday spending, with separate monthly caps and statement-credit redemption.

HDFC Millennia original issuer card artwork

Online

5% at 10 merchants; 1,000 CP/month cap

Other eligible

1%; separate 1,000 CP/month cap

Redemption

₹1/CP statement credit; fee and limits apply

Milestone

₹1,000 voucher at ₹1 lakh/quarter

Ten online merchants

5% CashPoints on eligible non-EMI purchases at Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato. Shared cap 1,000 CashPoints/calendar month.

Everyday CashPoints

1% on other eligible purchases, capped separately at 1,000 CashPoints/calendar month. Redeem toward statement credit at ₹1/point; minimum 500, maximum 3,000 points/month, redemption fee applies.

Quarterly milestone

₹1,000 voucher on ₹1 lakh qualifying spend in a calendar quarter. Joining/renewal ₹1,000 + GST; renewal waived on annual spend over ₹1 lakh. Do not assume routine complimentary lounge access.

HDFC Millennia: fees & key facts

HDFC Millennia credit card fees and key facts
FeesJoining and renewal ₹1,000 + applicable taxes. Renewal waived when annual spend before renewal exceeds ₹1 lakh; confirm eligible spend in your accepted card terms.
5% merchantsAmazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato; eligible non-EMI online transactions only. Shared 1,000 CashPoints/calendar-month cap; merchant IDs matter.
Base & channelsOther eligible purchases earn 1%, capped separately at 1,000 CashPoints/calendar month. SmartPay and purchases routed via SmartBuy/PayZapp use base treatment; separate portal promotions have their own rules.
Statement redemption1 CashPoint = ₹1 statement credit, minimum 500 points, maximum 3,000/month. ₹50 redemption fee plus applicable tax under current terms. Points expire after 2 years.
Other redemptionCurrent product page and July terms list ₹0.30/point for travel, with a maximum 50% booking payment using points. An older FAQ inconsistently says ₹1 for travel; do not use that older valuation.
Milestone & welcome₹1,000 voucher at ₹1 lakh qualifying calendar-quarter spend; redemption invitation validity 120 days. Welcome 1,000 CashPoints only after paying the joining fee; renewal-fee payment earns no equivalent bonus.
Exclusions & educationFuel, rent, government, wallets, cash, fees and EMI earn no points. Education via third-party apps is excluded; direct school/college website or POS payments remain eligible under July terms.
Lounge source conflictProduct page says ₹1,000 voucher OR one domestic lounge visit at ₹1 lakh quarterly spend. July 2026 terms state complimentary domestic access ended 1 December 2023 and describe the voucher. No lounge category recommendation without issuer confirmation.
Fuel waiverSeparate 1% surcharge waiver on ₹400–₹5,000 transactions, maximum ₹250/statement cycle. Fuel itself earns no CashPoints.
Gift-card ambiguityThe July terms conflict internally: the table treats gift/voucher purchases as base spend while a later clause excludes prepaid/gift/voucher loads under MCC 6540. Wallet loads excluded; no guaranteed reward claim for gift-card purchases.

Public issuer terms checked 15 October 2026.

Checked public issuer product and linked terms on 15 October 2026. Product/FAQ/detailed-term conflicts on lounges, travel value and gift cards are explicitly identified; no unconfirmed lounge promise. No signed-in application, real reward credit or redemption transaction was performed. Accepted offer, merchant coding and current account-specific terms apply.

HDFC Millennia current product and feesMillennia detailed terms — 20 July 2026Millennia FAQ — February 2026; conflicts identified

Who should get it

A practical cashback card for the named online merchants when monthly caps fit your spending. Statement credit offers a better published point value than travel or catalogue redemption.

Use the July 2026 detailed terms for exclusions. The product page advertises a quarterly lounge alternative, but the detailed terms say complimentary access ended; confirm any personalised milestone choice before relying on it.

Reward exclusions

Transactions that do not earn CashPoints

Eligibility follows the merchant category code and transaction data received by the issuer, so the merchant name alone may not determine whether a transaction earns rewards.

  • Fuel, rent, government, wallet loads and cash advances
  • All EMI transactions, including preclosed EMI, SmartEMI and Dial an EMI
  • Education through third-party apps; direct eligible school/college payments are treated differently
  • Fees, outstanding-balance payments, charges and reversals
  • No guaranteed earning on gift/prepaid/voucher loads; issuer clauses conflict

Separate calendar-month caps of 1,000 points apply to 5% and 1% buckets. Detailed July 2026 terms take precedence over stale lounge/travel-value summaries; confirm unresolved acquisition-specific choices with HDFC.

Checked 15 October 2026HDFC Millennia current product and feesMillennia detailed terms — 20 July 2026Millennia FAQ — February 2026; conflicts identified

HDFC Millennia FAQs

Are Millennia cashback caps combined?

No. The 5% online-merchant bucket and 1% eligible base bucket each have a 1,000-CashPoint calendar-month cap.

Does Millennia include complimentary lounges?

Issuer documents conflict. The product page offers a conditional quarterly alternative, but July 2026 terms say complimentary access was withdrawn. Confirm your milestone offer with HDFC before relying on access.

Are school fees eligible?

Direct school/college website or POS payments can earn base points under July 2026 terms. Education via third-party apps is excluded.

How much is a CashPoint worth?

₹1 against statement balance; ₹0.30 for travel under the current product page and detailed terms. Redemption fees, minimums and monthly limits apply.

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