HDFC Bank Millennia Credit Card

Cash advancesAbout cash advances

45.00% p.a.

PurchasesAbout purchases

45.00% p.a.About this purchases

Additional cardholder feeAbout additional cardholder fee

₹0

Annual feeAbout annual fee

₹1,000 p.a.About this annual fee

Cash advance feeAbout cash advance fee

2.5% of the amount

Foreign transaction feeAbout foreign transaction fee

3.5%

Late payment feeAbout late payment fee

₹1,300

Over limit feeAbout over limit fee

₹550

Interest-free periodAbout interest-free period

Up to 50 days on purchasesAbout this interest-free period

Minimum repaymentAbout minimum repayment

5% of (retail spends + cash advance + finance charge) plus GST, EMI amounts, 100% of fees and charges and any over-limit amount; where 5% is less than the finance charge, 100% of the finance charge plus 5% of retail spends and cash advance (HDFC Bank MITC, from June 2025)

Ongoing cashbackAbout ongoing cashback

1% on eligible spend

5% CashBack on ten online merchants (Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, Zomato; non-EMI spends only) and 1% on other spends except fuel, EMI, wallet, rent and government-related spends; paid as CashPoints worth ₹1 each against the statement; the terms table caps each of the two rows at 1,000 CashPoints per cycle (the 5% merchant terms say per calendar month).