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HDFC Millennia
HDFC • MasterCard

HDFC Millennia

5% CashPoints on Top Merchants

Annual Fee₹1000Waived on ₹1L spend
Base Reward1.0%On all spends
Lounge Access1913 domestic • 6 intl
Est. Annual Savings₹11,824Based on ₹4.8L annual spend

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Annual fee
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹3,600

Assumes base reward rate only.

Annual feeWaived

Waived on ₹1L spend

Net value₹3,600

Estimated savings per year.

Fee waiver target: ₹1,00,000 annual spend.Category caps apply for certain spends.

Reward Rate Breakdown

Category-wise reward rates for this card

Shopping
5.0%
Basedefault
1.0%

Insights

Verified card-level notes, best use-cases, and watchouts.

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Insights

  • Millennia remains strong for selected online merchants but is explicitly capped each month.
  • Quarterly voucher milestone meaningfully improves value when spend is planned around quarter-end.
  • Lounge benefit has shifted to spend-linked eligibility in recent policy update.

Best Utilization

  • Use for listed 5% merchants up to monthly cap, then switch to SBI Cashback or similar card.
  • Cluster spends to cross ₹1L quarterly milestone only if you can do it reliably.
  • Use another card for categories outside listed merchants to avoid diluted returns.

Watchouts

  • Do not assume 5% for all online merchants; only eligible partner list applies.
  • Cap tracking is mandatory; post-cap spends can underperform alternatives.
  • Lounge planning should account for prior-quarter spend requirement.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

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Offer Truth

  • Joining fee₹1,000
  • Annual fee₹1,000
  • Waiver threshold₹1,00,000
  • Cap typecategory
  • Cap resetmonthly
  • Last verified2026-02-13

Redemption Truth

  • Cash value/point₹1
  • Travel value/point₹1
  • Transfer partners0
  • Min redemption₹500
  • Expiry policyNot listed
  • Last verified2026-02-13

Lounge Truth

  • NetworkMasterCard
  • Domestic count8
  • International count0
  • Quarterly limit2
  • Airport-terminal rows19
  • Policy check2026-02-13

Reliability + Outcomes

  • Verification statusverified
  • Freshness days0
  • Source conflicts0
  • Applied reports23
  • Approval reports14

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

Step 1

Swiggy HDFC Bank

Annual fee: ₹500

Shared focus: Shopping, DiningHigher top earn rate (10.0%)No higher annual fee vs current card
View Details

Lounge Eligibility Checklist

Mapped from issuer lounge dataset + card policy signals

Lounge Spend Tracker

Eligible this quarter: No

Track lounge eligibility for HDFC Millennia using your current quarter spend.

₹0 spent₹1,000 target

Policy signal used: ₹1,000 voucher on ₹1L quarterly spend under milestone program

Spend threshold

₹1,000 voucher on ₹1L quarterly spend under milestone program

Quarter / cycle rule

₹1,000 voucher on ₹1L quarterly spend under milestone program

Guest access

Guest access policy is not explicitly listed in current data.

Priority Pass

International lounge access is listed; verify if this is via Priority Pass or direct network.

Lounge Locations

19 airport lounge rows
View lounge map and location list19 rows
Loading interactive lounge map...

Click a city marker to jump to its lounge list below.

Ahmedabad

1 lounges • 1 domestic • 0 international

1
TheDomestic

AHM • Ahmedabad Airport • Terminal 1

Bengaluru

1 lounges • 1 domestic • 0 international

1
BlrDomestic

BEN • Bengaluru Airport • Terminal 1

Chennai

2 lounges • 1 domestic • 1 international

2
TravelDomestic

CHE • Chennai Airport • Terminal 1

TravelInternational

CHE • Chennai Airport • Terminal 2

Goa

1 lounges • 1 domestic • 0 international

1
EncalmDomestic

GOA • Goa Airport • Terminal 1

Hyderabad

2 lounges • 1 domestic • 1 international

2
EncalmInternational

HYD • Hyderabad Airport • Terminal 1

EncalmDomestic

HYD • Hyderabad Airport • Terminal 1

Kochi

2 lounges • 1 domestic • 1 international

2
EarthDomestic

KOC • Kochi Airport • Terminal 1

EarthInternational

KOC • Kochi Airport • Terminal 3

Kolkata

2 lounges • 1 domestic • 1 international

2
TravelDomestic

KOL • Kolkata Airport • Terminal 1

TravelInternational

KOL • Kolkata Airport • Terminal 2

Mumbai

3 lounges • 2 domestic • 1 international

3
AdaniDomestic

MUM • Mumbai Airport • Terminal 2

LoyaltyInternational

MUM • Mumbai Airport • Terminal 2

TravelDomestic

MUM • Mumbai Airport • Terminal 1c

New Delhi

4 lounges • 3 domestic • 1 international

4
EncalmDomestic

NEW • New Delhi Airport • Terminal 1

EncalmDomestic

NEW • New Delhi Airport • Terminal 2

EncalmDomestic

NEW • New Delhi Airport • Terminal 3

EncalmInternational

NEW • New Delhi Airport • Terminal 3

Pune

1 lounges • 1 domestic • 0 international

1
EarthDomestic

PUN • Pune Airport • Terminal 1

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Key Benefits

  • 5% CashPoints on selected online merchants (e.g., Amazon, Flipkart, Myntra, Swiggy, Uber)
  • 1% CashPoints on most other eligible spends
  • ₹1,000 voucher on ₹1L quarterly spend under milestone program
  • Domestic lounge access now tied to quarterly spend threshold

Things to Consider

  • 5% earn is merchant-list based and capped at 1,000 CashPoints per month
  • Lounge access requires ₹1L spend in previous calendar quarter
  • CashPoint value realization depends on redemption method and timing

About HDFC Millennia

HDFC Millennia is a cashback card from HDFC, best for gen z & online spenders. It is tagged under shopping, lifestyle, dining categories in our database.

ShoppingLifestyleDining

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Frequently asked questions

Is HDFC Millennia lifetime free?

It has an annual fee of ₹1000. Waived on ₹1L spend

What rewards does HDFC Millennia offer?

5% CashPoints on Top Merchants

Does HDFC Millennia include lounge access?

HDFC Millennia lists 19 lounge visits (13 domestic, 6 international).

Who should consider HDFC Millennia?

Gen Z & Online Spenders

Where can I apply for HDFC Millennia?

Check the issuer website for application availability.