HDFC Millennia
Is this card worth it for you?
Drag the sliders to match your spend. The number on the right updates live.
Remaining 75% goes on everything else (groceries, utilities, online shopping). Earning rate: 1.00% travel · 5.00% dining · 1.00% base.
After fees, you're earning real money on this card. The break-even moves with your category mix — pull travel up if you fly more, dining if you eat out.
vs Laksya Credit Card
At ₹50,000/month with 15% travel and 10% dining.
Tools for HDFC Millennia holders
Frequently asked
Is the HDFC Millennia worth the ₹1,000 fee?
It depends on your spend. The HDFC Millennia earns 1% base reward and waives the annual fee at ₹1,00,000 of yearly spend. Use the break-even calculator above to see your specific number.
What is the eligibility for HDFC Millennia?
HDFC hasn't published a hard minimum income for HDFC Millennia. Approval depends on credit score, existing relationship, and employment type.
How do I redeem points on HDFC Millennia?
Best redemption is at CashPoints, where 1 point ≈ ₹1. Other paths (statement credit, vouchers) usually return less.
Reward rates and fees are sourced from HDFC's product page and may change. Always confirm with the card issuer before applying.