The HDFC Millennia Visa has a ₹1,000 annual fee (waived on ₹1 lakh annual spend) and charges a 3.5% forex markup.
| Annual fee | ₹1,000 |
|---|---|
| Joining fee | ₹1,000 |
| Annual fee waived | On ₹1 lakh annual spend |
| Forex markup | 3.5% |
From issuer benefit data, checked 22 Oct 2026. Base rewards is the general earn rate; category and partner rates are under Key Benefits.
Key Benefits
Live offers on this card
300 online offers across 174 brands right now, each valid for at least another 7 days. Checked 22 Oct.
- Croma: Rs.12000 Discount · till 31 Oct
- EaseMyTrip: Flat Rs.7500 off · till 31 Oct
- ixigo: Rs.7500 Discount · till 31 Oct
- MakeMyTrip: Rs.7500 Discount · till 31 Oct
- Yatra: Flat Rs.7500 off · till 31 Oct
These are HDFC Bank's own offers and Visa network offers, so they apply to every HDFC Bank Visa card, not just this one. All HDFC Bank offers by category.
People Also Asked
More about the Hdfc Bank Millennia Credit Card Visa
Is the Hdfc Bank Millennia Credit Card Visa worth it in 2026?
The Hdfc Bank Millennia Credit Card Visa has a joining fee and renewal fee of Rs. 1000 each. The renewal fee is waived if you spend Rs. 1 Lakh annually, making it cost-effective for regular users who meet this threshold.
Who should get the Hdfc Bank Millennia Credit Card Visa?
This card is ideal for frequent spenders who can spend at least Rs. 1 Lakh annually to avail the renewal fee waiver. It suits users looking for a credit card with manageable fees and potential savings on renewal.
How to maximise rewards on the Hdfc Bank Millennia Credit Card Visa?
To maximise rewards, ensure you spend Rs. 1 Lakh annually to waive the Rs. 1000 renewal fee. Focus your spending on categories where the card offers higher rewards and benefits to get the best value.
What purchases give the best value on the Hdfc Bank Millennia Credit Card Visa?
The best value comes from making regular purchases that contribute towards the Rs. 1 Lakh annual spend to waive the renewal fee. Prioritise transactions that earn higher rewards or cashback as per the card’s reward structure.