Before applicable fee tax.
HDFC Bank Millennia Credit Card
Source-backed card research showing the terms currently used by CredoNomics category rankings.
Annual spend threshold where available.
Terms should be rechecked after issuer updates.
Category coverage
Where this card enters CredoNomics rankings.
Cashback5% cashback on listed leading brands; model uses the current ₹3,000/month cashback redemption cap as a conservative benefit ceiling.Open ranking Shopping5% cashback on listed leading online brands; current statement-cashback redemption cap is ₹3,000/month.Open ranking DiningModeled for listed eligible brands such as Swiggy/Zomato under the 5% benefit.Open ranking Fuel1% fuel surcharge waiver, subject to eligible transaction range and ₹250 statement-cycle cap.Open ranking Low Fee₹1,000 annual fee, waived at ₹1 lakh annual spend.Open ranking
Verification history
Visible record history.
CredoNomics verification record
The normalized terms used by the live category rankings were checked against the linked official issuer source.
No later verified term change recorded yet.
When CredoNomics confirms a material issuer change, the old and new terms can be recorded here.
Primary source
Official issuer documentation used.
Checked 2026-08-10
Open official source Official HDFC Bank product page
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