IN
HDFC Bank
HDFC Millennia
🇮🇳 India · HDFC Bank

HDFC Millennia

Online shoppers spending ₹15K–50K/month

4.6 / 5
Joining fee
₹1,000
Annual fee
₹1,000
Top reward
5%
Min income
₹420,000

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5-year value calculator

How much HDFC Millennia actually pays you over time, net of annual fees.

50,000

Includes 40% in this card's boost category, 60% general spend.

Annual rewards4,600
Annual fee0 (waived ✓)
Welcome bonus (year 1 only)+1,000
Cumulative net value
+24,000
over 5 years
Year 1
5,600
+5,600/yr
Year 2
10,200
+4,600/yr
Year 3
14,800
+4,600/yr
Year 4
19,400
+4,600/yr
Year 5
24,000
+4,600/yr
Year 1 (with bonus)
5,600
Year 2+ (steady state)
4,600/yr

Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.

Reward rates

What you earn back, by category.

shopping
5%
Capped at ₹1,000 per year
📈
Everything else
1%
📈
🎁
Welcome bonus

1,000 CashPoints on ₹1,000 spend in first 90 days

What you get

  • 5% cashback on Amazon, Flipkart, Myntra, Swiggy, Zomato, BookMyShow, Cult.fit, Sony LIV, Tata CLiQ, Uber
  • 1% cashback on all other retail spends
  • 8 complimentary domestic airport lounge visits per year
  • 1% fuel surcharge waiver (₹400 cap/month)
  • Up to 20% off on partner restaurants via Smart EMI

Eligibility

These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.

Min annual income
₹420,000
Min credit score
750+
Self-employed
Eligible