Last updated: |Data verified from official bank sources
Mid-Range
HDFC Millennia
HDFC Bank
Best for: Online shoppers on major platforms
₹1K
Annual Fee
1%
Reward Rate
3.5%
Forex Markup
8/year
Domestic Lounge
None
Intl Lounge
Best for: Online shoppers on major platforms
Things to Watch Out For
- •5% cashback capped at ₹1000/month
Fees & Charges
Joining Fee₹1K
Annual Fee₹1K
Fee WaiverSpend ₹1L annually
Forex Markup3.5%
Rewards
TypeCashback
Base Rate1%
Effective Return1%
Accelerated Categories
Amazon/Flipkart/Myntra5% (5%)cap: ₹1000/month
Online spends2.5% (2.5%)
Lounge Access
Domestic8/year
InternationalNone
Eligibility
Minimum Income₹6.0L/year
Minimum CIBIL700+
Reward Exclusions
FuelWalletRent
Spends in these categories won't earn reward points
Available on: Visa, Mastercard
Frequently Asked Questions
What is the annual fee for HDFC Millennia?▼
HDFC Millennia has an annual fee of ₹1000. Spend ₹1L annually
What rewards does HDFC Millennia offer?▼
HDFC Millennia offers 1% on all spends, with an effective value of 1%.
Does HDFC Millennia have lounge access?▼
Yes, HDFC Millennia offers 8/year domestic lounge visits per quarter.
What is the minimum income required for HDFC Millennia?▼
The minimum income requirement for HDFC Millennia is ₹6.0 lakhs per annum.
Information sourced from HDFC Bank official website. Last verified: February 2026.
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