HDFC Millennia (Mastercard) credit card credit card
Joining Fee:

₹1000 +GST

Return Percentage:

1% to 5%

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Credit Card Overview

A lifestyle card tailored for millennials, providing accelerated cashback on online shopping, travel, and dining, with milestone rewards and lifestyle benefits.

Best Suited For: Cashback

HDFC logoHDFCMastercard

Fees and charges at a glance

Annual fee
₹1,000

Charged every year you keep the card

Joining fee
₹1,000

Paid once when you get the card, plus GST

Reward rate
1% to 5%

Depends where you spend

Forex markup
3.5%

Extra charge on foreign spends

Interest rate
45% p.a.

Only if you don't pay the full bill

HDFC Millennia (Mastercard) credit card — Earn Categories

Where you earn more

  • UberTravel · Cabs5 Cashpoints / ₹100

    A maximum of 1,000 CashPoints can be earned under the 5% cashback on online merchants in a calendar month. · Minimum ₹100 per transaction

  • AmazonOnline · Shopping5 Cashpoints / ₹100

    A maximum of 1,000 CashPoints can be earned under the 5% cashback on online merchants in a calendar month. · Minimum ₹100 per transaction

Everyday rate

  • Base Rewards1 Cashpoints / ₹100

    Minimum ₹100 per transaction

11 more earning categories on this card

We track all 14 of them, with the caps and conditions on each. See the full breakdown against your own spending in the app.

Open in the app

Earns nothing on these

Spends in these categories carry no rewards on this card.

  • Wallets
  • Fuel
  • Education
  • Jewellery
  • Rent
  • UPI
  • Government
  • EMI