How much cashback does the HDFC Millennia Credit Card give?

You get 5% back on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV and similar spends, capped at ₹1,000 a month. Other eligible spends earn 1%. On ₹10,000 of spend in the top category that is ₹500 back, so about ₹6,000 a year if you hit it every month. Fuel, EMI transactions, Wallet loading, Rent payments earn nothing at all.

Does the HDFC Millennia Credit Card give free airport lounge access?

The HDFC Millennia Credit Card gives 8 complimentary domestic lounge visits a year, usually capped at 2 per quarter. Access is not automatic any more, because you need ₹1L of spend in the previous quarter before the visits become available, which is ₹33,333 a month.

What changed on the HDFC Millennia Credit Card recently and is it still worth it in 2026?

Lounge removed (Dec 2023, now spend-based ₹1L/qtr); wallet/EMI/education stopped earning (Sep 2024); redemption fee added. The changes are dated Dec 2023; Sep 2024. At ₹1L of yearly spend the card returns roughly ₹1,000 at its general rate of about 1%, against a ₹1,000 renewal fee. That does not clear the fee on its own, so this card only makes sense if the lounge visits or the co-brand benefits are worth the gap to you.

←

Card Details

3226 6261 2675 5415

HDFC Millennia Credit Card

HDFCUNKNOWN

Card Issuer

HDFC Bank

Joining Fee

₹1,000

Annual Fee

₹1,000

Reward Type

Cashback

Card Access

Standard

Earn Points

Cashback on select brands (Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, Uber, BookMyShow, Sony LIV, Cult.fit)

Cashback on all other purchases

5-10%

Additional cashback via SmartBuy/PayZapp partner brands

Benefits

Shopping

5% cashback on listed partner brands

Partner-brand cashbacks offered with caps
1% cashback on other spends
Monthly accelerated cashback capped at 1,000 CashPoints
Cashback earning is capped per statement cycle

Travel

₹1L quarterly spend = lounge or ₹1,000 voucher

Lounge access is milestone-based
Choose a lounge visit or ₹1,000 voucher every quarter after ₹1 lakh spend
Voucher or lounge code delivered via SMS/email for redemption
Only one reward option can be selected per qualifying quarter

Fuel

1% fuel surcharge waiver

Dining

10% discount on Swiggy Dineout

What Users Are Saying

Community Feed

Jul 2025

HDFC MillenniaNEUTRAL

“HDFC Millennia Credit Card + Debit Card = Beast Combo”

by r/CreditCardsIndia, Jul 2025

HDFC MillenniaNEUTRAL

“Some questions about HDFC Millennia Credit Card.”

by r/CreditCardsIndia, Oct 2025

HDFC MillenniaPOSITIVE

“How to make best use of HDFC Millennia credit card?”

by r/CreditCardsIndia, Mar 2026

HDFC MillenniaNEUTRAL

“How to utilize HDFC Millennia Credit Card to the maximum?”

by r/CreditCardsIndia, Feb 2026

HDFC MillenniaPOSITIVE

“HDFC Millennia Credit Card, worth it or not?”

by r/CreditCardsIndia, Jul 2024

Frequently Asked Questions

The HDFC Millennia Credit Card charges ₹1,000 plus GST as a joining fee and the same ₹1,000 again at renewal. The first year fee is currently being waived on new approvals. HDFC Bank waives the renewal fee if you spend ₹1L in the previous year, which is about ₹8,333 a month. If your card spend sits below that, treat ₹1,000 as a real yearly cost that your rewards have to clear first.

Things to Keep in Mind

5% cashback is limited to spends on 10 specific online merchants.

cashback earnings are capped at 1,000 CashPoints per statement cycle

Maximum cashback in the 1% category is limited at ₹1,000 per month

←

Card Details

3226 6261 2675 5415

HDFC Millennia Credit Card

HDFCUNKNOWN

Card Issuer

HDFC Bank

Joining Fee

₹1,000

Annual Fee

₹1,000

Reward Type

Cashback

Card Access

Standard

Earn Points

Cashback on select brands (Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, Uber, BookMyShow, Sony LIV, Cult.fit)

Cashback on all other purchases

5-10%

Additional cashback via SmartBuy/PayZapp partner brands

Benefits

Shopping

5% cashback on listed partner brands

Partner-brand cashbacks offered with caps
1% cashback on other spends
Monthly accelerated cashback capped at 1,000 CashPoints
Cashback earning is capped per statement cycle

Travel

₹1L quarterly spend = lounge or ₹1,000 voucher

Lounge access is milestone-based
Choose a lounge visit or ₹1,000 voucher every quarter after ₹1 lakh spend
Voucher or lounge code delivered via SMS/email for redemption
Only one reward option can be selected per qualifying quarter

Fuel

1% fuel surcharge waiver

Dining

10% discount on Swiggy Dineout

What Users Are Saying

Community Feed

Jul 2025

HDFC MillenniaNEUTRAL

“HDFC Millennia Credit Card + Debit Card = Beast Combo”

by r/CreditCardsIndia, Jul 2025

HDFC MillenniaNEUTRAL

“Some questions about HDFC Millennia Credit Card.”

by r/CreditCardsIndia, Oct 2025

HDFC MillenniaPOSITIVE

“How to make best use of HDFC Millennia credit card?”

by r/CreditCardsIndia, Mar 2026

HDFC MillenniaNEUTRAL

“How to utilize HDFC Millennia Credit Card to the maximum?”

by r/CreditCardsIndia, Feb 2026

HDFC MillenniaPOSITIVE

“HDFC Millennia Credit Card, worth it or not?”

by r/CreditCardsIndia, Jul 2024

Frequently Asked Questions

Things to Keep in Mind

5% cashback is limited to spends on 10 specific online merchants.

cashback earnings are capped at 1,000 CashPoints per statement cycle

Maximum cashback in the 1% category is limited at ₹1,000 per month

←

Card Details

3226 6261 2675 5415

HDFC Millennia Credit Card

HDFCUNKNOWN

Card Issuer

HDFC Bank

Joining Fee

₹1,000

Annual Fee

₹1,000

Reward Type

Cashback

Card Access

Standard

Earn Points

Cashback on select brands (Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, Uber, BookMyShow, Sony LIV, Cult.fit)

Cashback on all other purchases

5-10%

Additional cashback via SmartBuy/PayZapp partner brands

Benefits

Shopping

5% cashback on listed partner brands

Partner-brand cashbacks offered with caps
1% cashback on other spends
Monthly accelerated cashback capped at 1,000 CashPoints
Cashback earning is capped per statement cycle

Travel

₹1L quarterly spend = lounge or ₹1,000 voucher

Lounge access is milestone-based
Choose a lounge visit or ₹1,000 voucher every quarter after ₹1 lakh spend
Voucher or lounge code delivered via SMS/email for redemption
Only one reward option can be selected per qualifying quarter

Fuel

1% fuel surcharge waiver

Dining

10% discount on Swiggy Dineout

What Users Are Saying

Community Feed

Jul 2025

HDFC MillenniaNEUTRAL

“HDFC Millennia Credit Card + Debit Card = Beast Combo”

by r/CreditCardsIndia, Jul 2025

HDFC MillenniaNEUTRAL

“Some questions about HDFC Millennia Credit Card.”

by r/CreditCardsIndia, Oct 2025

HDFC MillenniaPOSITIVE

“How to make best use of HDFC Millennia credit card?”

by r/CreditCardsIndia, Mar 2026

HDFC MillenniaNEUTRAL

“How to utilize HDFC Millennia Credit Card to the maximum?”

by r/CreditCardsIndia, Feb 2026

HDFC MillenniaPOSITIVE

“HDFC Millennia Credit Card, worth it or not?”

by r/CreditCardsIndia, Jul 2024

Frequently Asked Questions

Things to Keep in Mind

5% cashback is limited to spends on 10 specific online merchants.

cashback earnings are capped at 1,000 CashPoints per statement cycle

Maximum cashback in the 1% category is limited at ₹1,000 per month