HDFC Millennia Credit Card: rewards, caps and exclusions
The HDFC Millennia Credit Card pays 5% on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, Zomato, on the first ₹20,000 of spend a month, and 1% on everything else. Below is every rate, cap and exclusion in HDFC Bank's published terms, as we last checked them on 16 July 2026.
What it earns
What earns nothing
Spend in these categories earns no rewards on this card, however it is paid for:
- Fuel
- EMI conversions
- Wallet loads
- Rent
- Government payments
Milestones
In HDFC Bank's own words:
- quarterly: ₹1L customer-initiated spend (net of reversals) / calendar quarter → ₹1,000 gift voucher or lounge voucher → ₹1,000 voucher
Fees
- Annual fee: ₹1,000, plus 18% GST
- Annual fee waived on ₹1,00,000 of spend in a card year
Where this comes from
Transcribed from HDFC Bank's own documents and checked against them on 16 July 2026:
Banks change these terms, sometimes with a month's notice. If a figure here disagrees with HDFC Bank's current document, the bank's document is right. Tell us at support@zenidhi.com and we'll fix the rule, here and in the app.
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Other HDFC Bank cards
≈10% on Smartbuy portal
HDFC Bank Diners Club Privilege Credit Card≈2% on Online food ordering (online)
HDFC Bank UPI RuPay Credit Card≈0.75% on Groceries, Food (UPI)
HDFC MoneyBack+ Credit Card≈2.5% on 10X partner merchants
Swiggy HDFC Bank Credit Card10% on Swiggy app
Tata Neu Infinity HDFC Bank Credit Card≈5% on Tata Neu app / partner Tata brand merchants (in store / online)