HDFC Bank · Entry
HDFC Millennia
Where it ranks across all 187 cards
#3 Cabs & transit
5.0%
at Uber
direct
#3 Movies & events
5.0%
at BookMyShow
direct
#4 Online shopping
5.0%
at Amazon
direct
#5 Food delivery
5.0%
at Swiggy
direct
#7 Fashion
5.0%
at Myntra
direct
#16 Insurance
1.0%
direct
#20 Utility bills
1.0%
direct
#30 Jewellery & watches
1.0%
direct
#35 Mobile / broadband
1.0%
direct
#39 Train tickets
1.0%
direct
#43 Other
1.0%
direct
#47 Health & pharmacy
1.0%
direct
#52 Electronics
1.0%
direct
#59 Hotels
1.0%
direct
#60 Flights
1.0%
direct
#64 Groceries
1.0%
direct
#65 Dining out
1.0%
direct
Get an email if this card changes - sign in.
Reward rules2 direct
Base rate - everything not covered below
1.00%base rate
1% cashback
source
Source: HDFC Millennia MITC - hdfcbank.com - read 20 Aug 2026
5% partner merchants
5.00%this rule
5% cashback
how it works & source
CashPoints; 1,000/month cap on partner spends.
Source: HDFC Millennia MITC - hdfcbank.com - read 20 Aug 2026
Base rate, but capped1
1% other spends
base rate
source
Source: HDFC Millennia MITC - hdfcbank.com - read 20 Aug 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on7 exclusions
Fuel
earns nothing
Fuel earns no CashPoints.
→ use IndianOil RBL XTra here (7.5%)
detail & source
categories: Fuel
Source: Millennia T&C, 27 Feb 2026 (bank PDF) - hdfc.bank.in - read 22 Aug 2026
Rent
earns nothing
Rent earns nothing (MCC 6513 printed in the bank T&C fee section; 1% fee).
→ use Axis Burgundy Private here (5.2%)
detail & source
categories: Rent · MCCs: 6513
Source: Millennia T&C, 27 Feb 2026 (bank PDF) - hdfc.bank.in - read 22 Aug 2026
Government / tax
earns nothing
Government transactions earn nothing.
→ use Biz Black Metal Edition Credit Card here (2.5%)
detail & source
categories: Government / tax
Source: Millennia T&C, 27 Feb 2026 (bank PDF) - hdfc.bank.in - read 22 Aug 2026
Wallet load
earns nothing
Wallet loading (MCC 6540) earns nothing; gift/prepaid/voucher via 6540 earns only 1%.
→ use SC Ultimate here (3.3%)
detail & source
categories: Wallet load · MCCs: 6540
Source: Millennia T&C, 27 Feb 2026 (bank PDF) - hdfc.bank.in - read 22 Aug 2026
Education
earns nothing
Education via third-party apps earns nothing (bank prints these MCCs); direct school/college payment earns.
→ use Axis Burgundy Private here (5.2%)
detail & source
categories: Education · MCCs: 8211, 8220, 8241, 8244, 8249, 8299
Source: Millennia T&C, 27 Feb 2026 (bank PDF) - hdfc.bank.in - read 22 Aug 2026
Gaming
earns nothing
Online skill-based gaming earns nothing (w.e.f.
→ use FIRST Private here (6.6%)
detail & source
1 Jul 2025).
categories: Gaming
Source: HDFC MITC v4.6, Aug 2026 (bank PDF) - hdfc.bank.in - read 22 Aug 2026
EMI
earns nothing
All EMI excluded, even if preclosed.
→ use Kotak Solitaire Credit Card here (3.0%)
detail & source
categories: EMI
Source: Millennia T&C, 27 Feb 2026 (bank PDF) - hdfc.bank.in - read 22 Aug 2026
Perks the card unlocks at these places, beyond its earn rate. They never change a ranking - check the bank page before you count on one.