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HDFC Millennia Credit Card – The Credit Card for Millennials

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HDFC Millennia Credit Card is best suited for millennials who frequently shop online and want to earn rewards on their purchases. It is one of the best cashback credit cards in India. This card offers up to 5% cashback on online transactions and 1% cashback on all other spends. Read on to know about its features, benefits and other details.

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Updated: 13-08-2022 08:05:11 AM

Key Highlights of HDFC Millennia Credit Card

HDFC Bank Millennia Credit Card
Card TypeMid-level
Best Suited forCashback and Online Shopping
Joining FeeRs. 1,000
Renewal FeeRs. 1,000 (Waived off on spending Rs. 1 lakh in the previous year)
Minimum Income RequirementSalaried: Rs. 35,000 p.m.
Self-employed: ITR>Rs. 6 lakh p.a.
Welcome Benefits1,000 reward points on the payment of membership fee
Best Feature5% cashback on Amazon, Flipkart, Myntra, Uber, Zomato
Paisabazaar’s Rating★★★ (3/5)

Note: This Card is not available on Paisabazaar.com. The content on this page is for information only. To express interest in this card, please visit HDFC Bank’s website.

Also read: 10 Best HDFC Credit Cards in India

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Independence Day Offer

The card offers benefits on shopping via multiple brands, such as Amazon, Flipkart and more. Some of the important HDFC Millennia Credit Card benefits are mentioned below:

1,000 Reward Points on Joining 

You can earn below welcome benefits:

  • 1,000 Cash Points on the payment of membership fee
  • Gift vouchers worth Rs. 1,000 on spending Rs. 1 lakh in each calendar quarter

Up to 5% Cashback on Multiple Brands

You can get up to 5% cashback on your online transactions. Details regarding the same are mentioned in the table below:

CategoryCashback Offered
Shopping via Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato*5%
All other spends (except fuel)1%
Max cashback capped at Rs. 1,000 per month      |         1 Cash Point = Re. 1 

*Cashback is valid only for non-emi spends on the 10 online merchants. EMI spends & wallet loads through the merchants will be considered under 1% cashback category.

Points to note:

  • Cashback will be given in the form of Cash Points, which can be redeemed against the statement balance (on request only)
  • The minimum cash point balance required for redemption against the statement balance is 500 Cash Points (redeemable in multiples of Rs. 500 only)
  • Cash Points can also be used for redemption against travel benefits like flight & hotel bookings and rewards catalogue at the SmartBuy Rewards Portal, at a value of 1 Cash Point = Re. 0.30
  • Unredeemed Cash Points will expire/lapse within 2 years of accumulation

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Other Benefits

Apart from the above-mentioned benefits, you can also avail the below benefits:

Complimentary Domestic Lounge Access: 8 complimentary domestic lounge access per calendar year (2 in a quarter)*.

*Rs. 2 or Rs. 25 will be charged per swipe on your Millennia Credit Card towards lounge access, depending upon the card type (Visa, RuPay, Mastercard or Diners).

Annual Fee Waiver: Spend Rs. 1 lakh in a year to avail annual fee waiver of Rs. 1,000.

Fuel Surcharge Waiver: 1% fuel surcharge waiver on your transactions between Rs. 400 to Rs. 5,000. You can earn a maximum cashback of Rs. 250 per statement cycle.

Thinking about whether to get this credit card? Read our detailed HDFC Millennia Credit Card review
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HDFC Millennia Credit Card: Fees & Charges

Below mentioned are the fees and charges associated with this credit card:

Type of Fee or Charge Amount
Joining FeeRs. 1,000
Annual FeeRs. 1,000 (Waived off on spending Rs. 1 lakh in the previous year)
Finance Charges3.6% p.m. | 43.2% p.a.
Late Payment ChargesFor Statement Balance:

  • Less than Rs. 100: Nil
  • Rs. 100 to Rs. 500: Rs. 100
  • Rs. 501 to Rs. 5,000: Rs. 500
  • Rs. 5,001 to Rs. 10,000: Rs. 600
  • Rs. 10,001 to Rs. 25,000: Rs. 800
  • Rs. 25,001 to Rs. 50,000: Rs. 1,100
  • Over Rs. 50,000: Rs. 1,300

Click here to check other associated fees and charges.

HDFC Millennia Credit Card: Eligibility & Documentation

The applicant must fulfill the below-mentioned eligibility criteria to apply for HDFC Millennia Credit Card:

CriteriaDetails
OccupationSalaried or Self-employed
Age Requirement21 to 40 years
Minimum Income for SalariedRs. 35,000 p.m.
Minimum Income for Self-EmployedITR> Rs. 6 lakh p.a.
Serviceable CitiesClick here for the list of eligible cities
Documents RequiredClick here for the list of acceptable documents
Should you get HDFC Millennia Credit Card?

HDFC Millennia Credit Card offers cashback and rewards on your online purchases. It also offers complimentary domestic airport lounge access to its users. Additionally, you can avail this credit card for free by spending Rs. 1 lakh in a year. This credit card is well suited for those who frequently shop online on Amazon, Flipkart, Myntra. etc. Overall, HDFC Millennia Credit Card benefits are good if you frequently shop online, occasionally travel within India and believe that you’ll be able to spend Rs. 1 lakh in a year to avail annual fee waiver. However, for people who do not shop online frequently, this might not be the right option. Such people can look for other credit cards that offer rewards or benefits on offline transactions or stores.

Suggested read: Best Credit Cards in India

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Cards Similar to HDFC Millennia Credit Card

Here are some of the credit cards that offer benefits similar to HDFC Millennia Credit Card:

Credit Card Annual FeeReward Points/ Cashback
Axis Bank ACE Credit CardRs. 4995% cashback on bill payment, DTH and mobile recharge*
Standard Chartered Platinum Rewards Credit CardRs. 2505 reward points on every Rs. 150 spent at partner dining restaurants
SBI SimplyClick Credit CardRs. 49910X reward points on your spends at partner brands like Amazon/ Apollo24X7/ BookMyShow/ Cleartrip/ Eazydiner/ Lenskart/ Netmeds
ICICI Bank Coral Contactless Credit CardRs. 5002 PAYBACK points on every Rs. 100 spent
HSBC Cashback Credit CardNil1.5% cashback on all online spends*

*Terms and conditions applicable. 

Axis Bank Flipkart Credit Card

Important: As per RBI guidelines, the issuance of new credit cards on Mastercard platform has been discontinued until further notice. Normal card services will continue for existing users. HDFC Bank will continue to issue the Visa variant of this card.

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FAQs

Q. I already have an HDFC Credit Card. Can I apply for HDFC Millennia Credit Card?

A. Yes, HDFC Bank allows its cardholders to have more than one card. However, there may be certain terms and conditions on it. You can call HDFC Credit Card Customer Care to confirm this.

Q. How can I apply for HDFC Millennia Credit Card?

A. You can apply for this credit card through online as well as offline modes. You can apply online by visiting the official website of the bank. If you want to apply offline, you can visit the nearest branch of the bank to fill out the application form.

Q. What is the credit limit offered on HDFC Millennia Credit Card?

A. The credit limit is decided by the bank after scrutinizing your application. The bank considers various factors like credit score, repayment capacity, income and more while deciding your credit limit. You will get to know your credit limit only after applying for the credit card.

Q. I have just started with my new job. Will I be eligible for HDFC Millennia Credit Card?

A. To be eligible for any credit card, you should be employed in your current organization for at least 6 months. Also, the minimum income requirement to apply for this credit card is Rs. 35,000 per month. However, if you have a salary account with HDFC Bank, the eligibility criteria may be relaxed.

Q. What should I do if I lose my HDFC Millennia Credit Card?

A. As soon as you notice the loss of your card, you should inform the bank by calling on the customer care number. The bank representative will immediately block your credit card to prevent it from any fraud. Additionally, you can also report the loss of your credit card through the official website of the bank.

Q. What is the cash advance fee charged on HDFC Millennia Credit Card?

A. The cash advance fee charged on HDFC Millennia Credit Card is 2.5% of the withdrawn amount or Rs. 500 (whichever is higher). Therefore, you should not withdraw cash using your credit card as it comes with additional charges.

Q. How can I see offers on my HDFC Millennia Credit Card?

A. You can see all the available offers on your credit card by logging in to the HDFC net banking. All you need to do is log in to the net banking portal and click on the ‘Offers’ section. Under this section, you’ll be able to see all the available offers on your credit card.

Q. How can I check the status of my HDFC Millennia Credit Card?

A. You can check the status of your credit card through the official website of the bank. You need to click on ‘Credit Card’ under the ‘Products’ tab and then click on the ‘Track your Credit Card Application Status’ option. Enter the asked details and the status of your application will be shown on the screen.

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