HDFC BankVisa / Mastercard / Diners Club • Mid-Tier Tier Source Verified

HDFC Bank Millennia Credit Card Fees & MITC Charges

India's most popular cashback card for online spenders, offering 5% direct cashback on Amazon, Flipkart, Swiggy, and Zomato.

HDFC BANK

VISA

MILLENNIA

•••• •••• •••• 2026

Mid-Tier

Joining Fee

₹1,000

+ 18% GST on issuance

Annual Renewal Fee

₹1,000

Total billed: ₹1,180 incl. GST

Annual Fee Waiver Spend

₹1,00,000

Waived upon reaching annual spend

Forex Markup Fee

3.5%

Effective 4.13% incl. GST

Airport Lounge Access Policy (2026 Update)

Domestic Lounge Allowance:1 visit(s) per quarter

International Lounge Allowance:None

Quarterly Spend Condition:₹50,000 in prior quarter

Official Rule: 1 complimentary domestic airport lounge access per calendar quarter upon spending ₹50,000 or more in the previous calendar quarter.

Surcharges & Utility Caps

Fuel Surcharge:1% waiver on transactions between ₹400 and ₹5000 (up to ₹250/month).

Utility Spends:1% surcharge applies on cumulative monthly utility bill payments exceeding ₹50,000.

Key Strengths

•5% direct cashback on top online merchants (Amazon, Flipkart, Swiggy, Zomato)
•1 CashPoint = ₹1 direct statement credit redemption
•Annual fee waived on ₹1,00,000 annual spend

Limitations & Drawbacks

•₹1,000 monthly cap on 5% cashback category
•Quarterly lounge access requires ₹50,000 prior quarter spend
•3.5% foreign currency markup

Source Provenance

Primary Authority Document:Official Issuer Most Important Terms & Conditions (MITC)

Last Verified Date:2026-08-21

Regulatory Compliance:RBI Master Direction – Credit Card and Debit Card Issuance and Conduct Directions

View Official Bank MITC Apply on Official Bank Website →

Related Intelligence Tools

• Calculate Your Net Value for this Card →• Check Airport Lounge Spend Criteria →• Compare with 0% Forex Cards →• Decode Credit Card Statement Charge →

Questions about HDFC Bank Millennia Credit Card charges

What is the annual fee for HDFC Bank Millennia Credit Card?

The annual fee for HDFC Bank Millennia Credit Card is ₹1000 + 18% GST (total ₹1180). It can be waived by spending ₹1,00,000 in the preceding card anniversary year.

What is the foreign currency (forex) markup on HDFC Bank Millennia Credit Card?

HDFC Bank Millennia Credit Card charges a 3.5% foreign currency markup fee + 18% GST on all non-INR currency transactions and foreign merchants.

Does HDFC Bank Millennia Credit Card offer airport lounge access in 2026?

HDFC Bank Millennia Credit Card provides 1 complimentary domestic lounge visit(s) per quarter. Under 2026 bank rules, you must spend at least ₹50,000 in the preceding calendar quarter to unlock complimentary access.