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HDFC BANK LTD
HDFC Bank Millennia Credit Card
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Verified Catalog
Source: HDFC BANK LTD Official
Updated: Aug 2026
Overview
Editorial snapshot & Positioning.
Lifestyle-focused credit card offering enhanced cashback on select online merchants and milestone-based voucher benefits
Key features
Highlights and rewards metrics.
The strongest rewards and lifestyle perks are surfaced as concise highlights.
Highlight 1
5% cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato
Highlight 2
1% cashback on all other spends (except fuel)
Highlight 3
₹1,000 worth gift vouchers on quarterly spends of ₹1,00,000 and above
Highlight 4
Fuel surcharge waiver for transactions between ₹400 to ₹5,000
Technical details
Fees structure and lounge network details.
Joining fee, annual fee, and lounge network coverage are shown in a minimal data grid.
Joining fee
₹1,000
The front-loaded charge when you apply.
Annual fee
₹1,000
Shown alongside the annual renewal cost.
Networks
Domestic & Int'l
Lounge network compatibility.
Rewards Calculator
Interactive Spend & Earning Estimation.
Slide to match your average monthly spending across categories and see how much value you earn back in a year.
Monthly Spending Profile
Dining & Food (1% value)
₹5,000Travel & Hotels (1.5% value)
₹5,000Groceries (1.5% value)
₹5,000Online Shopping (2% value)
₹10,000Other Spends (1% value)
₹5,000Estimated Annual Spends
₹3,60,000
Annual Value Back
₹5,400
Rewards value at ~₹1 per point.
Annual Fee: ₹1,000100% Offset
🎉 Your earnings completely offset the annual fee!
Premium Benefits
Core privileges & lounge coverage.
Explore travel, dining, lifestyle, and protection privileges associated with this card tier.
Airport Lounge Access
Complimentary lounge network access details available on issuer portal.
Hotel Privileges
"8 lounge accesses/year"
Detailed Schedule & Eligibility
Technical fees & documentation requirements.
View interest rates, Forex charges, late fees, and document checkmarks needed for approval.
No secondary fee details registered for this card.
Summary
Pros, cons, rating, and decision metrics.
CredHunt Expert Verdict
Editorial Review Score: 10/10
"Good secured card for rebuilding credit with low fees and FD backing; ideal for those with limited credit history"
Expert opinion & editorial scorecard summarizing the card's position.
5.0 / 5
Pros
- Welcome Offer: Undisclosed luxury offer
- Base Rate: 4 reward points per ₹200 spent offline
- Accelerated Rewards Program: 8X on spends
- Travel (Hotels & Other): 8 lounge accesses/year
Cons
- Dining: 2X RP on agri spends
- Other Features: Video KYC integration
- Expert Opinion: Good secured card for rebuilding credit with low fees and FD backing
- ideal for those with limited credit history
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