{
  "id": "hdfc-millennia",
  "locale": "hi",
  "name": "HDFC Millennia Credit Card",
  "bank": "HDFC Bank",
  "cardType": "cashback",
  "cardTier": "mid",
  "annualFee": "₹1,000 + GST",
  "loungeAccess": "₹1 लाख कैलेंडर तिमाही खर्च पर 1 घरेलू लाउंज वाउचर या ₹1,000 गिफ्ट वाउचर चुनें",
  "rewardsRate": "शीर्ष 10 ऑनलाइन मर्चेंट्स पर 5% · अन्य खुदरा पर 1%",
  "bestFor": "Amazon, Flipkart, Swiggy, Zomato, Myntra शॉपिंग और 1:1 सीधा स्टेटमेंट कैश",
  "officialLink": "https://www.hdfc.bank.in/credit-cards/millennia-credit-card",
  "aiVerdict": {
    "score": 4,
    "summary": "Its modest reward rate and low annual fee offset the lack of lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "Limited lounge access compared with premium travel cards"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 1,
  "affiliateId": "hdfc-millennia",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "LIVE_VERIFIED",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "HDFC Bank — Millennia Credit Card schedule of charges and features",
    "HDFC Bank — CashPoints redemption terms"
  ],
  "feeWaiver": "₹1 लाख वार्षिक खर्च पर शुल्क माफ",
  "networks": [
    "Visa",
    "Mastercard",
    "Diners Club"
  ],
  "quickFacts": [
    {
      "key": "टॉप 10 ऑनलाइन ऐप्स",
      "value": "5% CashPoints (₹1k/माह कैप)"
    },
    {
      "key": "अन्य रिटेल खर्च",
      "value": "1% फ्लैट कैशपॉइंट्स"
    },
    {
      "key": "रिडेम्पशन मूल्य",
      "value": "1 CP = ₹1.00 स्टेटमेंट कैश"
    },
    {
      "key": "वार्षिक शुल्क",
      "value": "₹1,000 + GST"
    },
    {
      "key": "शुल्क माफी",
      "value": "₹1 लाख सालाना खर्च"
    },
    {
      "key": "वेलकम बोनस",
      "value": "1,000 CashPoints"
    }
  ],
  "earnRates": [
    {
      "category": "टॉप 10 ऑनलाइन ऐप्स (Amazon, Flipkart, Swiggy)",
      "rate": "5.0%",
      "monthlyCap": "1,000 CashPoints / माह",
      "perLakhSpent": "5,000 CP (अधिकतम 1,000)"
    },
    {
      "category": "सामान्य ऑनलाइन और ऑफलाइन रिटेल",
      "rate": "1.0%",
      "monthlyCap": "1,000 CashPoints / माह",
      "perLakhSpent": "1,000 CashPoints"
    },
    {
      "category": "वॉलेट रिलोड",
      "rate": "1.0%",
      "monthlyCap": "मासिक सीमा के भीतर",
      "perLakhSpent": "1,000 CashPoints"
    },
    {
      "category": "किराया और ईंधन",
      "rate": "0%",
      "monthlyCap": "शून्य (Excluded)",
      "perLakhSpent": "0 CP"
    }
  ],
  "hasAccelerated": false,
  "acceleratedEarn": [],
  "redemptionRoutes": [
    {
      "route": "स्टेटमेंट कैश क्रेडिट",
      "value": "₹1.00 / CashPoint",
      "minPoints": "500 CP",
      "ceiling": "₹3,000 / माह",
      "fee": "₹99 + GST",
      "isBest": true
    },
    {
      "route": "SmartBuy फ्लाइट्स और होटल",
      "value": "₹0.30 / CashPoint",
      "minPoints": "1,000 CP",
      "ceiling": "कोई सीमा नहीं",
      "fee": "शून्य"
    },
    {
      "route": "ब्रांड वाउचर और प्रोडक्ट्स",
      "value": "₹0.30 / CashPoint",
      "minPoints": "1,000 CP",
      "ceiling": "कोई सीमा नहीं",
      "fee": "शून्य"
    }
  ],
  "exclusions": [
    "किराया भुगतान (Rent pay)।",
    "पेट्रोल पंपों पर ईंधन खर्च (सरचार्ज माफी लागू)।",
    "सरकारी कर और ईएमआई लेनदेन।"
  ],
  "feesDetail": [
    {
      "item": "जॉइनिंग शुल्क",
      "value": "₹1,000 + GST"
    },
    {
      "item": "वार्षिक नवीनीकरण शुल्क",
      "value": "₹1,000 + GST (₹1 लाख खर्च पर माफ)"
    },
    {
      "item": "फॉरेक्स मार्कअप",
      "value": "3.5% + GST"
    },
    {
      "item": "रिवॉल्विंग ब्याज दर",
      "value": "3.6% प्रति माह (43.2% वार्षिक)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "आयु सीमा",
      "requirement": "21 से 40 वर्ष"
    },
    {
      "criteria": "वेतनभोगी आय",
      "requirement": "₹35,000+ प्रति माह शुद्ध वेतन"
    },
    {
      "criteria": "स्वरोजगार आय",
      "requirement": "₹6 लाख से अधिक का ITR"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}