Dynamic currency conversion Markup Fee: With effect from 20th May 2026, a Markup fee of 1.75% will be levied on all transactions carried out in Indian Currency at an international location or at merchants which are located in India but registered overseas.
Millennia
HDFC Bank
Fee waived if you
spend ₹1,00,000
Earns more
10Airport lounge access
Conditions apply
Outside IndiaNot confirmed
More from the issuer 8
Visit limits and reset periods
<span class="section-title"><span class="breakline">Additional Benefits</span></span></h2> "> Additional Benefits CashBack Benefits 1% CashBack on other spends Upto 10% CashBack across 200+ Brands via SmartBuy/PayZapp Shop Pay your Membership fee and get Reward Points equivalent to Fee Amount Note : For Detailed Terms and Conditions, Get either ₹1,000 worth gift voucher or 1 domestic lounge access on spends of ₹1,00,000 and above in each calendar quarter Quarterly spend-based Domestic Airport Lounge Access source ↗
2 Complementary access were available for Millennia credit card per Calendar Quarter, Customers would present the card directly at the lounge for access, over and above the 2 complementary visits, Charges were applicable.
Upon achieving quarterly spends milestone, users can either opt for HOI airport lounge access voucher (Or) Rs. 1000 voucher from the available list of Brands for List of Participating Airport Lounges 10% additional discount on Swiggy Dineout using coupon code HDFCCARDS, TnC 1% fuel surcharge waiver at all fuel stations across India (on minimum transaction of ₹400 & maximum transaction of ₹5,000.
Charges and exclusions
Customers spending Rs. 1 Lakh or more in a calendar quarter are eligible for gift voucher worth Rs. 1000. (Calendar Quarter are defined as: Jan-Mar | Apr-June | Jul-Sept | Oct-Dec) Spends of 1,00,000 is → Cardholder initiated Spends minus of reversals in the Calendar Quarter.
With the discontinuation of complementary visits, Customer can still avail lounge directly using the Credit card on Chargeable basis as per the rates applicable and communicated by the lounge staff.
Check the programme's lounge list for your airport and terminal. An international flight does not by itself make a lounge an overseas one.
Check HDFC Bank's current card page
Points
Make the most of this card
Keep the rewards you earn
• Unredeemed CashPoints will expire/lapse after 2 years of accumulation.
More rules and steps
• Spends beyond the capping of 1,000 shall not be considered for CashPoints posting.
Reward points redemption for flights & hotels bookings are capped per calendar month at 50,000.
Reward Points redemption for CashBack redemption are capped per calendar month to 3,000 Rewards Points.
Benefits
6Conditions apply — read the clause.
Earns, up to a limit
3The normal rate, until a ceiling in the terms.
Earns nothing
9Spend here and the terms say you earn no rewards.
Terms disagree
2Two clauses say different things. We are not guessing which one applies.
Earns the normal rate
1Dated changes
2Dates the terms name for something changing.
Dynamic currency conversion currency conversion Markup Fee: With effect from 15th May 2026, a Markup fee of 1.75% will be levied
Every line above is read from HDFC Bank's own published documents. Tap a line to see the clause. Before a large payment, check the linked document yourself.