HDFC BANK · CHECKED 22 OCT 2026

HDFC Bank Millennia Credit Card

Short answer

HDFC Bank Millennia Credit Card earns its highest rewards on Amazon (5% as Reward Points), BookMyShow (5% as Reward Points) and Flipkart (5% as Reward Points). It has a joining fee of ₹1,000 and an annual fee of ₹1,000 and pays rewards as Reward Points. Fee waiver: renewal fee waived for the next year after ₹1,00,000 of spend in 12 months.

Key facts

Bank	HDFC Bank
Network	Visa, Mastercard
Still issued?	Yes
Joining fee	₹1,000
Annual fee	₹1,000
Fee waiver	Renewal fee waived for the next year after ₹1,00,000 of spend in 12 months.
Rewards paid as	Reward Points
One point is worth	₹1
How the points are used	Statement credit at ₹1 per point (min 500, max 3,000 a month); ₹50 + GST fee per redemption; points lapse after 2 years
Other ways to use the points	SmartBuy flights, hotels, airmiles or the catalogue (up to ₹0.3 each)
Checked on	22 Oct 2026

Official page: HDFC Bank

Rewards in every app

What HDFC Millennia earns in each app Pickkard covers, best first, and where it ranks among 50 cards.
App	Reward	Min. order	Limit	Rank
AmazonOnline shopping	5% as Reward Points	—	Up to ₹1,000 per calendar month (one limit shared with the card's other apps at this rate)	#2 of 50
BookMyShowMovies and events	5% as Reward Points	—	Up to ₹1,000 per calendar month (one limit shared with the card's other apps at this rate)	#5 of 50
FlipkartOnline shopping	5% as Reward Points	—	Up to ₹1,000 per calendar month (one limit shared with the card's other apps at this rate)	#4 of 50
MyntraFashion	5% as Reward Points	—	Up to ₹1,000 per calendar month (one limit shared with the card's other apps at this rate)	#5 of 50
SwiggyFood delivery	5% as Reward Points	—	Up to ₹1,000 per calendar month (one limit shared with the card's other apps at this rate)	#6 of 50
Tata CLiQFashion	5% as Reward Points	—	Up to ₹1,000 per calendar month (one limit shared with the card's other apps at this rate)	#3 of 50
UberCabs	5% as Reward Points	—	Up to ₹1,000 per calendar month (one limit shared with the card's other apps at this rate)	#3 of 50
ZomatoFood delivery	5% as Reward Points	—	Up to ₹1,000 per calendar month (one limit shared with the card's other apps at this rate)	#6 of 50
Airtel ThanksBills and recharges	1% as Reward Points	—	Up to ₹1,000 per calendar month (one limit shared with the card's other apps at this rate)	#11 of 50
AJIOFashion	1% as Reward Points	—	Up to ₹1,000 per calendar month (one limit shared with the card's other apps at this rate)	#25 of 50
Apollo 24\|7Pharmacy	1% as Reward Points	—	Up to ₹1,000 per calendar month (one limit shared with the card's other apps at this rate)	#20 of 50
BigBasketGrocery	1% as Reward Points	—	Up to ₹1,000 per calendar month (one limit shared with the card's other apps at this rate)	#26 of 50
BlinkitQuick commerce	1% as Reward Points	—	Up to ₹1,000 per calendar month (one limit shared with the card's other apps at this rate)	#27 of 50
CleartripTravel	1% as Reward Points	—	Up to ₹1,000 per calendar month (one limit shared with the card's other apps at this rate)	#28 of 50
DistrictMovies and events	1% as Reward Points	—	Up to ₹1,000 per calendar month (one limit shared with the card's other apps at this rate)	#21 of 50
Domino'sFood delivery	1% as Reward Points	—	Up to ₹1,000 per calendar month (one limit shared with the card's other apps at this rate)	#27 of 50
GoibiboTravel	1% as Reward Points	—	Up to ₹1,000 per calendar month (one limit shared with the card's other apps at this rate)	#25 of 50
ixigoTravel	1% as Reward Points Cardholder reports	—	Up to ₹1,000 per calendar month (one limit shared with the card's other apps at this rate)	#19 of 50
JioMartGrocery	1% as Reward Points	—	Up to ₹1,000 per calendar month (one limit shared with the card's other apps at this rate)	#21 of 50
MakeMyTripTravel	1% as Reward Points	—	Up to ₹1,000 per calendar month (one limit shared with the card's other apps at this rate)	#24 of 50
MeeshoOnline shopping	1% as Reward Points	—	Up to ₹1,000 per calendar month (one limit shared with the card's other apps at this rate)	#22 of 50
NykaaBeauty	1% as Reward Points	—	Up to ₹1,000 per calendar month (one limit shared with the card's other apps at this rate)	#23 of 50
PVR INOXMovies and events	1% as Reward Points	—	Up to ₹1,000 per calendar month (one limit shared with the card's other apps at this rate)	#27 of 50
Reliance DigitalElectronics	1% as Reward Points	—	Up to ₹1,000 per calendar month (one limit shared with the card's other apps at this rate)	#21 of 50
Swiggy InstamartQuick commerce	1% as Reward Points	—	Up to ₹1,000 per calendar month (one limit shared with the card's other apps at this rate)	#25 of 50
Tata NeuOnline shopping	1% as Reward Points	—	Up to ₹1,000 per calendar month (one limit shared with the card's other apps at this rate)	#20 of 50
ZeptoQuick commerce	1% as Reward Points	—	Up to ₹1,000 per calendar month (one limit shared with the card's other apps at this rate)	#24 of 50
IRCTC Rail ConnectTrain tickets	Fee is more than the reward Cardholder reports	—	Up to ₹1,000 per calendar month (one limit shared with the card's other apps at this rate)	#24 of 50

Where other cards earn more

Airtel Thanks:Airtel Axis earns 25% back, against 1% as reward points on HDFC Millennia.
AJIO:HSBC Live+ earns 10% back, against 1% as reward points on HDFC Millennia.
BigBasket:HSBC Live+ earns 10% back, against 1% as reward points on HDFC Millennia.
Blinkit:Airtel Axis earns 10% back, against 1% as reward points on HDFC Millennia.
District:Airtel Axis earns 10% back, against 1% as reward points on HDFC Millennia.
Domino's:HSBC Live+ earns 10% back, against 1% as reward points on HDFC Millennia.

Questions people ask

Where does HDFC Millennia earn the most?

HDFC Bank Millennia Credit Card earns its highest rewards on Amazon (5% as Reward Points), BookMyShow (5% as Reward Points) and Flipkart (5% as Reward Points).

What is the annual fee of HDFC Millennia, and can it be waived?

HDFC Millennia has a joining fee of ₹1,000 and an annual fee of ₹1,000. Renewal fee waived for the next year after ₹1,00,000 of spend in 12 months.

How much is one HDFC Millennia point worth?

About ₹1 each when used as the bank shows first: Statement credit at ₹1 per point (min 500, max 3,000 a month); ₹50 + GST fee per redemption; points lapse after 2 years. Other options: SmartBuy flights, hotels, airmiles or the catalogue (up to ₹0.3 each).

Is HDFC Millennia still available?

Yes, the bank still issues it to new customers.

Rewards are as per HDFC Bank’s published terms on the date shown and can change. Pickkard isn’t a bank and isn’t connected to HDFC Bank. Check the official page before applying.