Millennia credit card
5% CashPoints on Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber and more.
Source: HDFC Bank – Millennia · last reviewed 2026-09-12
Estimates for Typical Indian cardholder (₹32k/month) example profile · bills paid in full · first-year offers shown separately.
Why it fits – and what to watch
hover any tile for the detail! Lounge access needs ₹1,00,000 spend per quarter – your spend does not qualify.
Where the money comes from
₹6,626/yr · 2.0%UPI QR spend is left out – not a RuPay card (UPI is counted once, on RuPay cards only).
How the score of 46 is built
weights total 100% · methodologyAirport lounges with this card
Open Lounge Finder →How you get in: issuer programme (bank / operator app). Carry the card and a same-day boarding pass; at Delhi and Hyderabad validate in the Encalm HOI app, at Adani airports in the Adani LoungeOne app.
DEL Delhi 4 lounges
- ✈T3 Encalm Lounge (T3 Domestic) Encalm · via issuer programme (bank / operator app) verified
- ✈T3 Plaza Premium Lounge (T3 Domestic) Plaza Premium · via issuer programme (bank / operator app) verified
- ✈T1 Encalm Lounge (T1) Encalm · via issuer programme (bank / operator app) verified
- ✈T2 Encalm Lounge (T2) Encalm · via issuer programme (bank / operator app) verified
BOM Mumbai 3 lounges
- ✈T2 Adani Lounge (T2 Domestic) Adani Airports · via issuer programme (bank / operator app) verified
- ✈T2 TFS Lounge (T2 Domestic) Travel Food Services · via issuer programme (bank / operator app) check at desk
- ✈T1 Adani Lounge (T1) Adani Airports · via issuer programme (bank / operator app) verified
BLR Bengaluru 2 lounges
- ✈T2 080 Domestic Lounge BIAL · via issuer programme (bank / operator app) verified
- ✈T1 Above Ground Level Lounge (T1) Travel Food Services · via issuer programme (bank / operator app) verified
MAA Chennai 2 lounges
- ✈T1 Travel Club Lounge (T1) Travel Food Services · via issuer programme (bank / operator app) verified
- ✈T4 Travel Club Lounge (T4) Travel Food Services · via issuer programme (bank / operator app) check at desk
HYD Hyderabad 2 lounges
- ✈Main Encalm Lounge (Domestic) Encalm · via issuer programme (bank / operator app) verified
- ✈Main Plaza Premium Lounge (Domestic) Plaza Premium · via issuer programme (bank / operator app) verified
IXA Agartala 1 lounge
- ✈Main Agartala Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk
AMD Ahmedabad 1 lounge
- ✈T1 Adani Lounge (Domestic) Adani Airports · via issuer programme (bank / operator app) verified
ATQ Amritsar 1 lounge
- ✈Main Bird Lounge (Domestic) Bird Group · via issuer programme (bank / operator app) check at desk
AYJ Ayodhya 1 lounge
- ✈Main Adani Lounge (Ayodhya) Adani Airports · via issuer programme (bank / operator app) check at desk
IXB Bagdogra 1 lounge
- ✈Main Bagdogra Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk
BHO Bhopal 1 lounge
- ✈Main Bhopal Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk
BBI Bhubaneswar 1 lounge
- ✈T1 Bhubaneswar Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk
+ 30 more airports in the Lounge Finder.
Card facts
At a glance
- 5% on ten popular apps
- CashPoints redeem 1:1 against statement
- Fee waived at just ₹1L
- ₹1,000 monthly cap on the 5% bucket
- Lounge access needs ₹1L quarterly spend
- 3.5% forex markup
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Community Q&A on the Millennia
Threaded questions from cardholders · the Advisor can add a computed answer.
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Frequently asked questions
What is the annual fee of the HDFC Bank Millennia?
Joining fee ₹1,000 and renewal fee ₹1,000, plus 18% GST (₹1,180 a year). The renewal fee is waived if you spend ₹1,00,000 in the card year.
Does the Millennia give airport lounge access?
8 domestic/yr. Domestic lounges on ₹1L quarterly spend. Access needs ₹1,00,000 spend per quarter.
How much can I save with the Millennia?
For our example profile (Typical Indian cardholder (₹32k/month)) the recurring net saving is ₹6,626 a year, an effective savings rate of 2.0% after the fee. Use Find My Card to see your own number – it depends on where you spend and which caps you hit.
What are the Millennia's reward exclusions and caps?
No rewards on fuel, rent. 5% on Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber, BookMyShow, Tata CLiQ, Cult.fit, Sony LIV: capped at ₹1,000 a month; 1% on other spends (capped 1,000 CP/mo): capped at ₹1,000 a month
Sources
Reviewed 2026-09-12. Point values are our realistic estimates – see methodology.