Is HDFC Millennia good for travel?

HDFC Millennia is a cashback card from HDFC. It is not primarily a travel card, but may offer some travel benefits.

HDFC • cashback

HDFC Millennia

Q: What is the annual fee of HDFC Millennia?

The annual fee for HDFC Millennia is Rs.1000 + GST.

Q: How to apply for HDFC Millennia?

You can apply for HDFC Millennia online through HDFC's website or through CreditIQ's unbiased apply link. Eligibility typically requires a credit score of 750+ and a minimum income as per bank criteria.

Honest review — No affiliate bias — Updated May 2026

CreditIQ Score

8.2

out of 10

Rs. 1,000

Annual Fee

Rs. 1,000

Joining Fee

Visa/Mastercard

Network

cashback

CreditIQ Verdict

The HDFC Millennia is a cashback credit card from HDFC with an annual fee of Rs.1,000. The fee is justified if you maximise the card benefits. Best suited for users who spend regularly on cashback categories and want to earn meaningful rewards.

Key Benefits

5% on Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber, BookMyShow

Fees & Charges

Annual FeeRs. 1,000 + GST

Joining FeeRs. 1,000 + GST

Interest Rate23.88% per annum (3.33% per month)

Forex Markup3.5% on international transactions

Cash Advance2.5% of amount (min Rs. 500)

Late PaymentRs. 0 – Rs. 1,300 (based on outstanding)

Who Should Apply?

Good fit if you...

+ Spend on cashback regularly

+ Spend Rs.4,000+ per month

+ Have a good credit score (750+)

+ Earn Rs.0.3L+ annually

Skip if you...

- Travel internationally often (high forex markup)

- Carry a balance month-to-month

- Are a first-time credit card user

- Already have a similar card

Frequently Asked Questions

What is the annual fee of HDFC Millennia?

The annual fee is Rs.1,000 + GST. It is waived if you meet the annual spend threshold.

What is the reward rate on HDFC Millennia?

HDFC Millennia offers 1. Check the benefits section above for category-specific accelerators.

How to apply for HDFC Millennia?

You can apply online through HDFC's website. Eligibility requires a credit score of 750+ and income as per bank criteria. Click the Apply button on this page for a direct, unbiased apply link.

Applying via CreditIQ

Zero affiliate bias. We show all cards equally — ranked by value, not commission.

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Quick facts

Annual feeRs.1,000

NetworkVisa/Mastercard

BankHDFC

Other HDFC cards

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Rs.12,500 annual fee

HDFC Regalia Gold

Rs.2,500 annual fee