HDFC Bank · Card guide

HDFC Millennia

5% at ten named merchants. The best spend depends on your category, monthly cap and whether the yearly fee is waived.

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Where it pays

5% CashPoints at Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber, BookMyShow, Sony LIV, Tata CLiQ and Cult.fit, capped at 1,000 CashPoints per calendar month. Other eligible spend 1%, separately capped at 1,000. CashPoints redeem at ₹1 each against statement, minimum 500; other redemptions may be worth less. Rent, fuel, government and EMI excluded. Quarterly ₹1,000 voucher at ₹1 lakh quarterly spend is not included in estimates.

Annual cost: ₹1,000 plus applicable tax. Renewal waiver after ₹100,000 annual spend; first-year joining fee may still apply.

Read the issuer terms

Checked 26 Sep 2026. Issuer terms can change without this site updating immediately. The source addresses below are shown as text, not outbound links; no unaffiliated redirects are used.

Reward terms: https://www.hdfcbank.com/content/api/contentstream-id/723fb80a-2dde-42a3-9793-7ae1be57c87f/ef2bb403-39aa-46ae-aa45-bcd1ac8a538b
Fees: https://www.hdfcbank.com/personal/pay/cards/millennia-cards/millennia-cc-new/fees-and-charges

What this estimate leaves out

GST on card fees, welcome bonuses, milestone vouchers, limited-time merchant offers, spend-based exceptions, interest, and changing merchant category codes. Never spend extra solely for rewards.

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