HDFC Millennia (Rupay) 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

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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 (Rupay) credit card — Milestones

  1. Welcome benefit

    No spend needed — in a year

    1000 CashPoints

  2. Annual fee waivedRepeats every year

    Spend ₹1,00,000 in a year

    The renewal fee will be waived.

  3. Spend rewardRepeats every year

    Spend ₹1,00,000

    Gift vouchers worth ₹1,000.