The HDFC Millennia earns in cashback, which this calculator values at ₹1 per point. Base earn rate is 1% value back, the annual fee is ₹1,000, and forex markup is 3.5%.
Its strongest category is Online shopping at 5% value back.
| Category | Value back | Detail |
|---|---|---|
| Online shopping | 5% | 5% only on Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber & co |
Accelerated rates stop at a spend threshold. Past it, you earn the fallback rate.
| Category | Cap | After the cap |
|---|---|---|
| Online shopping | ₹20,000 | drops to 1% |
The HDFC Millennia earns no rewards on Fuel, Rent, Govt & Tax. Put that spend on another card.
5% bucket capped at ₹1,000/month (hit at ₹20,000 spend). 1% everywhere else, also capped ₹1,000/month. Clean starter card, nothing more.
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