What are the annual fees for HDFC Bank Millennia Credit Card and Scapia Credit Card?

HDFC Bank Millennia Credit Card has ₹1,000 + GST. Scapia Credit Card has no annual fee. Fees are shown before 18% GST, which is added on the bill.

What base reward rate does each card earn?

HDFC Bank Millennia Credit Card earns about 1% on general spends; Scapia Credit Card earns about 2%. Category and partner rates may differ — see the table above.

What is the forex markup on each card?

HDFC Bank Millennia Credit Card: 3.5%. Scapia Credit Card: 0% (plus 18% GST on the markup).

Do both cards include airport lounge access?

HDFC Bank Millennia Credit Card: yes — see the lounge row above for limits. Scapia Credit Card: yes — see the lounge row above for limits.

Card Comparison

HDFC Millennia vs Scapia

The key difference: Free vs ₹1,000 annual fee. HDFC Millennia vs Scapiacompared side by side on fees, reward rates, caps, exclusions, and eligibility — weigh each against how you actually spend.

HDFC Bank Millennia

HDFC Bank

Fee₹1,000+GST

Eff. rate1%

Cap₹2,000

Fee

₹1,000+GST

Eff. rate

Cap

₹2,000

Scapia

Federal Bank

FeeFree

Eff. rate2%

CapNone

Fee

Free

Eff. rate

Cap

None

Quick take

How they compare

HDFC Millennia and Scapiasuit different spending patterns, so the right pick depends on where and how much you spend — the headline difference is called out at the top. Use the table below to weigh fees, reward rates, caps, and exclusions against your own usage.

At a glance

HDFC Millennia

Annual fee: ₹1,000 + GST
Everyday rate: 1%
Monthly cap: ₹2,000/mo

Notable strengths

Bonus rewards on Amazon (up to 5%)
Direct cashback — nothing to redeem

Scapia

Annual fee: Free
Everyday rate: 2%
Monthly cap: No cap

Notable strengths

No monthly reward cap
Low forex markup (0%)

Each card's own strengths — not a ranking. Weigh them against where you actually spend.

55 specs · 13 sections

HDFC Bank Millennia

Scapia

Feature

HDFC Bank Millennia

Scapia

Annual Fee

₹1,000

Free

Joining Fee

₹1,000

Free

Fee Waiver Spend

₹1,00,000

N/A

Forex Markup

3.5%

Reward Type

Cashback

Reward Points

Base Rate

Online Rate

Offline Rate

Effective Base Rate

Point Value

₹1

₹0.2

Redemption Quality

HIGH

MEDIUM

Best Redemption

₹1

₹0.2

Worst Redemption

₹0.3

₹0.2

Amazon

—

Bookmyshow

—

Cultfit

—

Flipkart

—

Myntra

—

Grocery / Supermarkets

Fuel / Petrol / Diesel / CNG

0% (Excluded)

Restaurants / Dine-in

Flights, Hotels, OTAs, Tour Operators

Other Retail / Catch-all

Monthly Cap

₹2,000

No cap

Est. Annual Cap

₹24,000

No cap

Total Excluded

5 categories

2 categories

Fuel / Petrol / Diesel / CNG

Excluded

Earns rewards

Government / Tax Payments

Excluded

Earns rewards

EMI Transactions

Excluded

Earns rewards

Domestic Visits/Year

-1

International Visits/Year

None

Priority Pass

Est. Annual Value

₹1,760

₹5,280

Forex Markup

3.5%

International Rate

Yes

Description

1,000 CashPoints on payment of membership fee

—

Estimated Value

₹1,000

—

Fuel Surcharge Waiver

Yes

Best Suited For

Online Shopping, Everyday Spends

Travel, Shopping

Min Income

₹35,000/month

Not specified

Income Proof

Required

Not required

Secured FD

Accepting Applications

Yes

Network

Visa, Mastercard

Visa, RuPay

Card Tier

Classic

Entry

Still weighing your options?

Other popular matchups to line up against your shortlist.

Frequently asked questions

What are the annual fees for HDFC Bank Millennia Credit Card and Scapia Credit Card?: HDFC Bank Millennia Credit Card has ₹1,000 + GST. Scapia Credit Card has no annual fee. Fees are shown before 18% GST, which is added on the bill.
What base reward rate does each card earn?: HDFC Bank Millennia Credit Card earns about 1% on general spends; Scapia Credit Card earns about 2%. Category and partner rates may differ — see the table above.
What is the forex markup on each card?: HDFC Bank Millennia Credit Card: 3.5%. Scapia Credit Card: 0% (plus 18% GST on the markup).
Do both cards include airport lounge access?: HDFC Bank Millennia Credit Card: yes — see the lounge row above for limits. Scapia Credit Card: yes — see the lounge row above for limits.

Reviewed by WhichWise Editorial Team. Each card's data is verified against the issuer's official terms.

Sources: HDFC Bank - HDFC Millennia · Federal Bank - Scapia