Is HDFC Millennia worth the ₹1,000 annual fee?

HDFC Millennia has an annual fee of ₹1,000. The fee can be waived if you spend over ₹1,00,000 in a year before renewal to get credit card fee waived. With a base reward rate of 1% (up to 5%), 8 domestic lounge visits, and a CardTrail Score of 8.7/10, it offers good value for the price.

What is the reward rate on HDFC Millennia?

HDFC Millennia offers a base reward rate of 1% on regular spends, going up to 5% on select categories. Rewards are earned as CashPoints. New cardholders also get a welcome bonus of 1,000 CashPoints.

Does HDFC Millennia have airport lounge access?

Yes, HDFC Millennia provides 8 domestic and 0 international lounge visits per quarter.

What is the forex markup on HDFC Millennia?

HDFC Millennia charges a 3.5% forex markup on international transactions, plus 18% GST on the markup (effective rate: 4.13%). For international spends, consider zero-forex alternatives like Scapia or IDFC First Wealth.

HDFC Millennia vs IDFC FIRST Select Credit Card — which is better?

HDFC Millennia (CardTrail Score: 8.7/10) and IDFC FIRST Select Credit Card (Score: 8.7/10) are both entry level cards. HDFC Millennia by HDFC has a ₹1,000 fee with 1% base rewards, while IDFC FIRST Select Credit Card by IDFC FIRST has a no annual fee with 0.75% base rewards. Use our comparison tool for a detailed side-by-side analysis.

Entry Level

HDFC Millennia

HDFC

8.7

CardTrail Score

Very Good

out of 10

Net Value

9.6

Accessibility

9.0

Feature Depth

6.5

Bank Trust

9.0

How we score →

Compare This Card Full Details

Annual Fee

₹1,000

Spend over ₹1,00,000 in a year before renewal to get Credit Card fee waived

Forex Markup

3.5%

Reward Rate

Up to 5%

Lounge Access

domestic | 0 intl

About This Card

HDFC Millennia is a solid starter card for online shoppers — 5% back on Amazon, Flipkart, and Swiggy via SmartBuy, with a low ₹1,000 fee waived at just ₹1L annual spend. Not great for travel (3.5% forex markup), but excellent for everyday online purchases.