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HDFC Bank Millennia Credit Card — Rewards, Fees & Value

HDFC Bank · visa · mid

Best reward rate
1.5%
Annual fee
₹1,000
Type
Reward points
Point value (best)
₹0.3

Reward rate by category

Effective value back per ₹100 spent, after our cap-aware audit. Points valued at best redemption.

Dining & food delivery1.5%
Online shopping1.5%
Travel & flights0.8%
Groceries0.8%
Utilities & bills0.8%

Transfer partners

Points can transfer to: amazon pay, flipkart, statement credit.

Key benefits

See what this card is worth for your spending

Calculate your exact points value, or let the Card Finder check whether the Millennia belongs in your stack.

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FAQs

What is the reward rate on the Millennia credit card?

The HDFC Bank Millennia Credit Card earns up to 1.5% effective value on dining & food delivery and 1.5% on online shopping. Its base rate is about 0.8%.

What is the annual fee of the Millennia?

The Millennia has an annual fee of ₹1,000, waived on annual spends of ₹1,00,000 or more.

What is one Millennia reward point worth?

On the Millennia, one point is worth up to about ₹0.3 via its best redemption, or around ₹0.25 as cashback.

Reward data last verified 2026-06-01. Rates and fees change frequently — always confirm on the issuer's website before applying. RewardsAI is an independent tool and not affiliated with HDFC Bank.