# HDFC Millennia

HDFC Bank · Visa. ₹1,000 fee · 3.5% forex · 1% CashPoints (cap ₹1,000/mo).

✓ official · checked 14 June 2026 · Source: https://www.hdfcbank.com/personal/pay/cards/credit-cards/millennia-cards/millennia

## How it earns (2)

- 1% CashPoints (cap ₹1,000/mo) · cap 1,000 points per month · ✓ official · checked 14 June 2026
- 5% CashPoints on 10 online merchants (cap ₹1,000/mo) · cap 1,000 points per month · ✓ official · checked 14 June 2026

## On gift vouchers

- ₹100 back on a ₹10,000 voucher bought direct. · 1% CashPoints (cap ₹1,000/mo)
- Vouchers for Bharat Petroleum (BPCL), Google Pay (GPay), Gyftr, NoBroker Pay (rent) and 7 more brands: nothing.

Worked out on a ₹10,000 voucher with no deal running. Card data current to 21 October 2026.
Every card on vouchers: https://voucher.getbrief.cards/best-cards-for-vouchers

## What earns nothing (1)

- No CashPoints: fuel, rent, wallet, EMI, govt

## Milestones (1)

- ₹1,000 voucher (or lounge voucher) @ ₹1L/quarter · ₹1,000 at ₹1,00,000 spend per quarter · ✓ official · checked 14 June 2026

## Lounges (1)

- 1 domestic lounge visit for each calendar quarter you spend ₹1,00,000 or more, taken instead of the ₹1,000 brand voucher. It comes as a lounge voucher, valid 3 months. · Lounge voucher (quarterly milestone choice) · domestic · 1 per quarter · checked 20 October 2026

## Fees

- Annual fee: ₹1,000 + GST
  Waived at ₹1,00,000 spend per card year
- Forex markup: 3.5%
- DCC markup: 1.75%

## Dated changes (3)

- Devaluation · 1 July 2025: HDFC added 1% fees on rent, wallet, utilities and gaming (https://getbrief.cards/changes#hdfc-fee-regime)
- Devaluation · 1 September 2024: HDFC capped reward points on utilities and telecom (https://getbrief.cards/changes#hdfc-util-cap)
- Lounge gating · 1 December 2023: Millennia lounge access folded into a spend milestone (https://getbrief.cards/changes#mil-lounge)

Every change, dated: https://getbrief.cards/changes

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Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

All cards: https://getbrief.cards/cards
Canonical: https://getbrief.cards/cards/hdfc-millennia