HDFC BankGold

HDFC Millennia Credit Card

•••• •••• •••• 4242

Tap to flip

Quick facts

HDFC Millennia Credit Card

Top reward5%

Annual fee₹1,000

Min income₹35,000/mo

Tap to flip back

🛒Shopping Partners

HDFC Bank · Gold tier

HDFC Millennia Credit Card

Millennial favourite

Strong partner cashback with HDFC ecosystem.

Key Benefits

💳

5% on partners

🎁

1% cashback on other spends

⛽

SmartBuy rewards

Annual fee

₹1,000

Top rate

Min income

₹35,000/mo

Eff. return

0.74%

Realistic net value (moderate user): ₹3,570/year

After ₹1,000 fee & ₹630 forex. Based on ₹40,000/mo spend.

12,400 users matched · Verified 2026-06-12

We earn commission if approved — at no cost to you. Zero sales calls.

Our transparency promise

✓ Reward caps shown in absolute ₹ — not just "5% cashback"

✓ Exclusions listed upfront — fuel, EMI, rent, wallet

✓ Point conversions with conservative ₹/point rates

What You Actually Earn (in ₹)

Absolute INR estimates based on your spends. Caps and exclusions applied — no marketing fluff.

Gross rewards / year

₹5,200

Before fees & forex

Costs / year

₹1,630

Fee ₹1,000 + forex ₹630

Net value / year

₹3,570

0.74% effective return on spend

Category-wise breakdown

Online shopping

Spend ₹10,000/mo · 5% cashback

₹600/year

₹50/mo

₹1,000 × 5% = ₹50/moCap hit at ₹1,000/mo — extra spend earns less

All other eligible spends

Spend ₹30,000/mo · 1% cashback

₹3,600/year

₹300/mo

₹30,000 × 1% = ₹300/mo

Fee waiver likely: Your ₹4,80,000/yr spend exceeds the ₹1,00,000 waiver threshold.

Estimates assume eligible spends only (exclusions per issuer T&Cs apply). Point values use typical redemption rates — actual value varies by redemption choice. Bank approval and reward crediting is at issuer discretion.

🛒Shopping Partners

Amazon, Flipkart & co-branded accelerators

Reward Structure

Source: HDFC Millennia T&Cs

SmartBuy partners

Cap: ₹1,000/mo

Example: ₹1,000/mo spend → ≈ ₹50/mo (max at cap)

Other spends

Min ₹100 redemption

1% cashback

Example: ₹10,000/mo spend → ≈ ₹100/mo

Welcome benefit

On activation

₹1,000 voucher

Excluded categories (no rewards)

EMIFuelRentWalletGovernment

Fee waiver at

₹1,00,000 annual spend

Best for

→ SmartBuy portal users
→ ₹35K+ income
→ Partner deal hunters

Fees & Charges — Full Disclosure

All amounts in INR. Everything that can reduce your net value.

Joining fee

Charged in first year

₹1,000

Annual / renewal fee

Waived on ₹1,00,000 annual spend

₹1,000

Forex markup

3.5% on international transactions

Finance charges

≈3.5–3.75% per month (42–45% p.a.) if you revolve balance — pay in full to avoid

Late payment fee

₹400–₹1,300 depending on statement balance — always pay on time

Reward redemption fee

Usually ₹0 for cashback cards; points cards may have ₹99+ redemption fee

Example: moderate user net math

Gross rewards+ ₹4,200

Signup bonus (year 1)+ ₹1,000

Annual fee− ₹1,000

Forex cost− ₹630

Net annual value₹3,570

Eligibility Snapshot

Public criteria from HDFC Millennia T&Cs. Bank makes final decision.

Minimum age21–60 years

Min income (salaried)₹35,000/mo

Min income (self-employed)₹8,40,000/year

Employment acceptedsalaried, self employed

Credit history6+ months preferred

CIBIL checkBank checks at application — CardHungry never pulls your score

Secured optionUnsecured card only

Card tierGold — mid-tier mass premium

Important: These are indicative eligibility bands from issuer websites. Actual approval depends on the bank's internal score, existing relationship, and current portfolio policy. CardHungry shows bands, not guarantees.

FAQ

How much can I actually earn with HDFC Millennia Credit Card?+

At moderate spend (₹40,000/mo), gross rewards are about ₹4,200/year. After the ₹1,000 annual fee, net value is approximately ₹3,570/year. Use the calculator above to model your own spends.

What is the minimum income for HDFC Millennia Credit Card?+

₹35,000/month for salaried applicants (indicative — bank decides).

What spends do NOT earn rewards?+

EMI, Fuel, Rent, Wallet, Government.

Does CardHungry pull my CIBIL score?+

No. We use public eligibility criteria only. The bank will check CIBIL when you apply.

How do I get the annual fee waived?+

Spend ₹1,00,000 in a calendar year to get the ₹1,000 renewal fee reversed.