{
  "id": "hdfc-millennia",
  "locale": "hinglish",
  "name": "HDFC Millennia Credit Card",
  "bank": "HDFC Bank",
  "cardType": "cashback",
  "cardTier": "mid",
  "annualFee": "₹1,000 + GST",
  "loungeAccess": "₹1 Lakh calendar-quarter spend par 1 domestic lounge voucher ya ₹1,000 gift voucher choose karein",
  "rewardsRate": "Top 10 online merchants par 5% · Other retail par 1%",
  "bestFor": "Amazon, Flipkart, Swiggy, Zomato & Myntra shopping with direct 1:1 statement credit",
  "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 Lakh annual spend par fee waive",
  "networks": [
    "Visa",
    "Mastercard",
    "Diners Club"
  ],
  "quickFacts": [
    {
      "key": "Top 10 Online Apps",
      "value": "5% CashPoints (₹1k/mo cap)"
    },
    {
      "key": "Other Retail Spends",
      "value": "1% flat CashPoints"
    },
    {
      "key": "Redemption Value",
      "value": "1 CP = ₹1.00 Statement Cash"
    },
    {
      "key": "Annual Fee",
      "value": "₹1,000 + GST"
    },
    {
      "key": "Fee Waiver",
      "value": "₹1 Lakh / year"
    },
    {
      "key": "Welcome Gift",
      "value": "1,000 CashPoints"
    }
  ],
  "earnRates": [
    {
      "category": "Top 10 Online Apps (Amazon, Flipkart, Swiggy, Zomato)",
      "rate": "5.0%",
      "monthlyCap": "1,000 CashPoints / month",
      "perLakhSpent": "5,000 CP (Capped at 1,000)"
    },
    {
      "category": "General Online & Offline Retail",
      "rate": "1.0%",
      "monthlyCap": "1,000 CashPoints / month",
      "perLakhSpent": "1,000 CashPoints"
    },
    {
      "category": "Wallet Reloads",
      "rate": "1.0%",
      "monthlyCap": "Within retail cap",
      "perLakhSpent": "1,000 CashPoints"
    },
    {
      "category": "Fuel & Rent",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 CP"
    }
  ],
  "hasAccelerated": false,
  "acceleratedEarn": [],
  "redemptionRoutes": [
    {
      "route": "Statement Cash Credit",
      "value": "₹1.00 / CashPoint",
      "minPoints": "500 CP",
      "ceiling": "₹3,000 / month",
      "fee": "₹99 + GST",
      "isBest": true
    },
    {
      "route": "SmartBuy Flights & Hotel Bookings",
      "value": "₹0.30 / CashPoint",
      "minPoints": "1,000 CP",
      "ceiling": "None",
      "fee": "Nil"
    },
    {
      "route": "Brand Vouchers & Products",
      "value": "₹0.30 / CashPoint",
      "minPoints": "1,000 CP",
      "ceiling": "None",
      "fee": "Nil"
    }
  ],
  "exclusions": [
    "Rent payments via credit card apps.",
    "Fuel transactions (1% surcharge waiver on ₹400–₹5,000).",
    "Government taxes aur EMI transactions."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹1,000 + GST"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹1,000 + GST (Waived at ₹1 Lakh spend)"
    },
    {
      "item": "Forex Markup",
      "value": "3.5% + GST"
    },
    {
      "item": "Finance Charges",
      "value": "3.6% / month (43.2% / year)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age",
      "requirement": "21–40 years"
    },
    {
      "criteria": "Salaried Income",
      "requirement": "₹35,000+ monthly net salary"
    },
    {
      "criteria": "Self-Employed Income",
      "requirement": "ITR above ₹6 Lakhs per annum"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}