HDFC Millennia Credit Card

Best for: Multi-platform online shopper, Swiggy + Amazon + Flipkart regular user, Salaried professional, ₹30K–80K/month, First mid-tier card upgrade from a no-fee card

Mid tier — a solid all-rounder for steady monthly spend.

Strongest value if you spend heavily on Online Shopping ( 5% back).

Frequent travellers benefit from the included airport lounge access.

• 5% on Amazon + Flipkart + Swiggy + Zomato simultaneously — ₹8,000/month across all four = ₹4,800/year
• Annual fee of ₹1,000 waived at ₹1L spend — cleared in month 2 for most users
• CashPoints redeem at ₹1 each on statement — no portal, no catalogue, no minimum
• 1% CashPoints on all non-partner spends, plus a ₹1,000 voucher or 1 lounge visit each quarter (₹1L/quarter spend)

• 5% is capped at ₹1,000/month cashback — above ₹20,000/month on partner platforms you earn only 1%
• 3.5% forex markup — switch to another card for international purchases
• Best value is concentrated in 10 specific partner brands — non-partner online spend earns just 1%
• Routing those same brands through PayZapp or SmartBuy silently drops them from 5% to 1%
• Uber earns 5% on rides only; Uber Eats falls to the 1% base
• Redemption friction — 500-CashPoint minimum, ₹50 statement-credit fee, ₹99 catalogue fee, and statement-credit redemption capped at 3,000 CashPoints a month

Ways to convert what you earn into real value.

🎁 Statement credit / cashback adjustment

🎁 Online rewards catalogue (vouchers, merchandise)

🎁 Flight & hotel bookings via the issuer rewards portal

Millennia remains a solid choice for its 5%-on-10-brands structure, and it escaped the May 2026 round of devaluations entirely. The part that's easy to miss: both lounge access and the quarterly voucher now require ₹1 lakh of spend in the prior quarter, and both the 5% and 1% rates are capped at 1,000 points a month — which keeps the realistic payout fairly modest. It suits shoppers who spend heavily at the partner brands, but it isn't a strong lounge-access card.

Sources & verification

Fees, reward rates, and benefits for the HDFC Millennia Credit Card are taken from HDFC Bank 's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page . Last verified 5 Aug 2026 . Reviewed by Devchandra Sah . Always confirm current details on the issuer's site before applying. How we research →

Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for HDFC Bank . All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.

Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.

Tracking since 2019 · 9 changes · last change May 2026

▲ Revaluation ▼ Devaluation ◆ Neutral / reversed

▼ Fee Effective 15 May 2026

Dynamic currency conversion markup raised to 1.75%

1% markup → 1.75% markup

HDFC's MITC: "Dynamic currency conversion Markup Fee: With effect from 15th May 2026, a Markup fee of 1.75% will be levied on all transactions carried out in Indian Currency at an international location or at merchants which are located in India but registered overseas." This is separate from, and stacks on top of, the card's ordinary foreign-currency markup. It is the charge you pay for accepting a terminal's offer to bill you in rupees while abroad - always decline that offer and pay in the local currency. It also catches India-based purchases from merchants registered overseas, which is easy to trigger without leaving the country. The PIXEL MITC dates the same change 17 May 2026.

Verification: HDFC Bank ↗ · Confidence: High

▼ Fee Effective 1 Jul 2025

1% fee added on rent, wallet loads and online gaming

No category surcharge on rent, wallet loads or gaming → 1% on rent (cap Rs 4,999 per transaction); 1% on wallet loads and on online skill-based gaming above Rs 10,000 a calendar month (cap Rs 4,999 a month)

HDFC's MITC: "Rent Pay Transactions: W.e.f. 1st July 2025, 1% fee on transaction amount will be levied on rental transactions... Fee capped at Rs 4999 per transaction"; "Wallet Loading (excl PayZapp) - W.e.f. 1st July 2025, 1% fee will be levied on Wallet loading spends exceeding Rs 10,000 in a calendar month"; "Online Skill based Gaming - W.e.f. 1st July 2025, 1% fee... exceeding Rs 10,000 in a calendar month". These are charges on top of the fact that most HDFC cards already earn zero reward points on the same categories - you pay to spend, and earn nothing for it. PayZapp wallet loads are exempt from the wallet fee.

Verification: HDFC Bank ↗ · Confidence: High

▼ Fee Effective 1 Jul 2025

1% fee on utilities above Rs 50,000 and on third-party education payments

No surcharge on utility or education payments → 1% on utility spends above Rs 50,000 a calendar month (cap Rs 4,999 a month); 1% on education paid through third-party apps

HDFC's MITC: "Utility Charges: 1% fee will be levied on utility spends exceeding Rs 50,000 per Calendar month for consumer cards... Fee capped at Rs 4999 per month"; "Education Charges: 1% fee... on Education transactions done through third party applications like (but not limited to) CRED, Nobroker, Cheq etc." Paying school or college fees DIRECTLY to the institution is not charged - only routing them through a third-party app is. A 1% fee also applies to fuel transactions above Rs 15,000.

Verification: HDFC Bank ↗ · Confidence: High

▼ Reward Effective 1 Jul 2025

Insurance reward points capped, online gaming stops earning

Insurance uncapped on most cards; online skill-based gaming earned points → Insurance capped at 2,000 reward points a month (5,000 on Diners Black, 10,000 on Infinia); online skill-based gaming earns nothing

HDFC's MITC: "With effect from 1st July 2025, Reward Points accrued for insurance transactions will have a maximum cap of... 2000 per month for all other credit cards" and "With effect from 1st July 2025, Online Skill-Based gaming transactions will not earn Reward Points/CashPoints on all the cards." Insurance premiums are a common way to hit a milestone quickly, so the cap matters more than its size suggests.

Verification: HDFC Bank ↗ · Confidence: High

▼ Reward Observed 29 Jul 2024 · Effective 1 Sept 2024

Utility/telecom earning capped; third-party education excluded

Utility & telecom earned uncapped; education earned via any channel → Utility & telecom 2,000 pts/mo each; third-party education earns nothing

From 1 Sep 2024 reward earning on utility (MCC 4900) and telecom/cable spends was capped at 2,000 points per calendar month each across all HDFC cards, and education paid via third-party apps (CRED, Cheq, MobiKwik) stopped earning CashPoints — direct payments to institutions still earn.

Verification: HDFC Bank ↗ · Confidence: High

▼ Fee Observed 26 Jun 2024 · Effective 1 Aug 2024

₹50 redemption fee + 1% category fees added

Free statement-credit redemption; no category fees → ₹50 per statement-credit redemption; 1% fees (cap ₹3,000) on rent/education/fuel/utility

From 1 Aug 2024 statement-credit (CashPoint) redemption began carrying a ₹50 fee — Millennia was not exempted, unlike Infinia/Diners Black — and 1% fees capped at ₹3,000 hit rent and education via third-party apps, fuel above ₹15,000 and utility above ₹50,000; PayZapp wallet loads became chargeable at 1.5%+GST.

Verification: HDFC Bank ↗ · Confidence: High

▼ Lounge Observed 31 Oct 2023 · Effective 1 Dec 2023

Complimentary lounge access removed — now ₹1 lakh/quarter

Unconditional complimentary domestic lounge access → Spend ₹1 lakh/quarter, then choose lounge voucher OR ₹1,000 brand voucher

From 1 Dec 2023 automatic domestic lounge access was withdrawn and folded into the quarterly-spend milestone: cardholders must spend ₹1 lakh in a calendar quarter and then pick EITHER one HOI lounge voucher OR the ₹1,000 brand voucher — not both, with no free access below the threshold.

Verification: HDFC Bank ↗ · Confidence: High

▼ Reward Observed 2 Dec 2022 · Effective 1 Jan 2023

January 2023 earn-and-burn caps introduced

Grocery earned freely; statement-credit redemption uncapped → Grocery 1,000 pts/mo; rent & government excluded; 3,000 CashPoints/mo statement-credit cap

From 1 Jan 2023 grocery earning was capped at 1,000 CashPoints/month and rent (via third-party apps) plus government spends stopped earning; from 1 Feb 2023 statement-credit cashback redemption was capped at 3,000 CashPoints/month, catalogue-voucher redemption limited to 70% of value, and SmartBuy flight/hotel redemption capped at 50,000 points/month.

Verification: HDFC Bank ↗ · Confidence: High

◆ Launch Effective 2019

HDFC Millennia (cashback) launched

HDFC's millennial-focused cashback card debuts: 5% CashPoints on 10 partner brands (Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, Uber, BookMyShow, Cult.fit, Sony LIV) and 1% on other spends, each capped at 1,000 CashPoints/month, with a ₹1,000 fee waived at ₹1 lakh annual spend.

Verification: HDFC Bank (card page) ↗ · Confidence: Reconstructed

↓ Show all 9 changes Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.

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Source: HDFC Millennia Credit Card value timeline — CardAdvisor

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Quick summary

Type Mid credit card

Reward rate 1%–5%

Best for Multi-platform online shopper

Joining fee ₹1,000

Annual fee ₹1,000

Reviewed by

Devchandra Sah · Cards tested, miles earned, trips booked — for over a decade

Last verified 5 Aug 2026

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