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HDFC Millennia Credit Card
✨ AI Extracted Features
HDFC Bank

HDFC Millennia Credit Card

Annual Fee INR 1,000
Best For Online & shopping spends
Base Reward Rate 1%

🎁 Rewards & Core Benefits

Maximum Reward Potential
5%
Welcome Bonus
1,000 Reward Points
Lifestyle & Lounge Benefits
Domestic: 2 complimentary lounge access/quarter; Complimentary Golf Games: 4/Year; Complimentary Golf Lessons: 12/Year (1/month)
Redemption Options
Statement credit, flight/hotel redemption, gift vouchers (milestone reward)
Value of 1 Reward Point
1 CashPoint = INR 1 (for stmt credit); 1 CashPoint = INR 0.30 (for flight/hotel redemption)

💸 Fees & Waivers

Annual Fee
INR 1,000
Fee Waiver Threshold
Spend INR 50,000 & above in the first 90 days (joining); Spend INR 1,00,000 in a year (renewal)

⚠️ Caps & Exclusions

Spend Caps & Limits
1000 (for 5% cashback), 1000 (for 1% cashback) per cycle