Real Annual Value
What's it actually worth for you?
Monthly SpendRs.50.0K
Gross rewardsRs.24,600
Annual fee-Rs.1,000
Net annual value+Rs.23,600
Value Breakdown
online (5%)+Rs.12,000
Base rate (1%)+Rs.3,600
Milestone: Rs.1,000 voucher per quarter on Rs.1L spend+Rs.4,000
Welcome benefit+Rs.1,000
Lounge access (8 visits)+Rs.4,000
Annual fee (waived)+Rs.0
Joining fee (year 1)Rs.1,000
Highlights
- 5% on top 10 brands
- 2.5% on all other online spends
- Lounge access on Rs.1L quarterly spend
Reward Rates
Earn by category
online
5%
Cap: Rs.1.0K/mo
5% on Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber, BookMyShow
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Questions
Frequently asked questions
What is the annual fee of HDFC Millennia?
The annual fee is Rs.1.0K + GST. It may be waived if you meet the annual spend threshold.
What is the reward rate on HDFC Millennia?
HDFC Millennia earns a base rate of 1%. See the reward-rates section above for category accelerators.
How to apply for HDFC Millennia?
Apply online through HDFC's website, or use the Apply & Earn button on this page for a direct, unbiased apply link. Eligibility typically needs a credit score of 750+ and income as per bank criteria.