HDFC Millennia
EntryHDFC Bank
Where it ranks · across all 71 cards
Reward rules
Base rate - everything not covered below
cashback
1.00%
effective
5% partner merchants
cashback
5.00%
effective
CashPoints; 1,000/month cap on partner spends.
Source: HDFC Millennia MITC · 2026-08-20
Base rate, but capped - these categories earn normally up to a monthly ceiling
- 1% other spendscap ₹1,000/monthsrc ↗
Earns nothing on
- ⊘ Fuel earns no CashPoints.
- ⊘ Rent earns nothing (MCC 6513 printed in the bank T&C fee section; 1% fee).6513bank MCC list→ use Axis Burgundy Private here (4.5%)
- ⊘ Government transactions earn nothing.
- ⊘ Wallet loading (MCC 6540) earns nothing; gift/prepaid/voucher via 6540 earns only 1%.6540bank MCC list→ use SC Ultimate here (3.3%)
- ⊘ Education via third-party apps earns nothing (bank prints these MCCs); direct school/college payment earns.821182208241824482498299bank MCC list→ use Axis Magnus for Burgundy here (10.5%)
- ⊘ Online skill-based gaming earns nothing (w.e.f. 1 Jul 2025).
- ⊘ All EMI excluded, even if preclosed.
Plays with this card
- 📚 School fees direct, never via apps - the education split HDFC prints
HDFC kills education points ONLY when paid through third-party apps (CRED, Cheq, MobiKwik). The school or college website / POS earns full points - the bank prints this distinction.
₹2,00,000/year tuition on Infinia direct → 6,666 pts → ₹6,666 at ₹1/pt vs ₹0 minus ₹2,000 fee via an app: a ₹8,666 swing.
- 🛍️ Millennia pays 5% at partners directly - skip the SmartBuy hoop
Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber, BookMyShow, Tata CLiQ and more earn 5% on Millennia paid DIRECTLY - no portal routing, wider brand list than SmartBuy gives it.
₹20,000/month across partners → 1,000 CashPoints ≈ ₹1,000 → up to ₹12,000/year on an entry card.