Annual fee₹1,000+ GST
Forex markup3.5%
Interest3.75%a month
NetworkVisa / Mastercard
You earn
Perks & rules
What changed
1 Aug 2024₹50 fee added for redeeming CashPoints against your bill
1 Dec 2023Regular domestic lounge access removed
Worth it?
See what it pays back on your spending, after the fee.Run the numbers
All the fine printEvery detail from the bank's documents, in one place
How you earn
Rewards asCashback, paid as CashPoints (reward points)
Base rate1% on other spends
Higher rates
- 10 partner merchants: 5% at Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato
Limits
- 5% rate: up to 1,000 CashPoints a month
- 1% rate: up to 1,000 CashPoints a month
- Earned only on spends in multiples of ₹100
- Cashback redemption: up to 3,000 CashPoints a month
Doesn't earn on
- Fuel, EMI (all types), wallet loads, cash advances, fees
- Partner purchases via SmartBuy/PayZapp earn 1%, not 5%
- Uber earns 5% only on ride payments (MCC 4121)
- Rent and government payments
- Education payments via third-party apps (CRED, Cheq, MobiKwik etc.)
- Online skill-based gaming
Where it landsPosted to your card account in the first week of the next month, for spends settled in the month
What a point is worth
Value1 CashPoint = ₹1 against your bill; ₹0.30 on SmartBuy flights, hotels and catalogue
ExpiryCashPoints expire 2 years after they are earned
Redemption fee₹50 per statement-credit redemption; ₹99 + GST per catalogue redemption; minimum 500 CashPoints
Welcome benefit
Welcome1,000 CashPoints if the joining fee is paid
Milestones
Milestones
- ₹1,000 gift voucher, or 1 domestic lounge voucher, on ₹1 lakh spend in a calendar quarter
Airport lounges
DomesticOnly as the quarterly milestone option above (regular access ended 1 Dec 2023)
InternationalNone
Fuel
Fuel1% surcharge waiver on ₹400–₹5,000 transactions, up to ₹250 a statement cycle
Spending abroad
Forex markup3.5% of the transaction amount
Fees
Joining fee₹1,000 + GST
Annual fee₹1,000 + GST
Fee waiverSpend ₹1 lakh in the year before renewal
If you pay late
Late fee₹100–₹1,300 depending on amount due (nil up to ₹100)
Interest3.75% a month (45% a year)
Cash withdrawal2.5% or ₹500, whichever is higher
Who can apply
Age21–40 years
SalariedNet monthly income above ₹35,000
Self-employedITR above ₹6 lakh a year
More perks
PerksNone stated
Sources
Everything on this page comes from these bank documents. Tap any box above for the full wording.
- Millennia product page Product page · 2 Oct 2026
- Millennia Terms & Conditions Card T&C · 20 Jul 2026
- HDFC Bank Key Fact Statement & MITC (v4.12) Fee schedule · 30 Sep 2026
Card image: HDFC Bank's own website.
