Cash Points and Gift Voucher as Welcome Benefit

With the HDFC Millennia Credit Card you get the following introductory benefits:

• 1,000 Cash Points (Reward Points) on payment of the membership fee
• Rs. 1,000 gift voucher on spending at least Rs. 1 lakh in each calendar quarter (Valid during the first year only)

The card makes up for the annual fee of Rs. 1,000 in the form of cash points as welcome benefit.

Get Cashback on all your transactions

The best feature of this card is the cashback that it offers. You need to reach the minimum spending value in order to avail cashback across different categories as shown below:

Points to Note:

• CashBack will be given in the form of CashPoints, which can be redeemed by you against the statement balance (on request only)
• The minimum CashPoint balance required for redemption against the statement balance is 2500 CashPoints, redeemable in multiples of Rs. 500 only
• CashPoints 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 CashPoint = Rs. 0.30.
• Unredeemed CashPoints will expire/ lapse within 1 year of accumulation
• Redeem CashPoints at the conversion rate of 1 CashPoint = Rs. 0.30

Complimentary Domestic Lounge Access

Get 8 complimentary domestic lounge access per calendar year (2 in a quarter). Please note that Rs. 2 will be charged per swipe on your Millennia Credit Card towards lounge access.

Get your Annual Fee Waived Off

Get Rs. 1,000 annual fee waived off on spending Rs. 1 lakh or above in the previous year.

Milestone Benefit

Spend Rs. 30,000 above in the first 90 days and get first year membership fee of Rs. 1,000 waived off. 

HDFC Millennia Credit Card comes with an annual fee of Rs. 1,000 which might be a bit tight on your pocket. However, when compared with the exclusive benefits that it offers, the fee is justified if you are a person who regularly shops online.  It is true to say that you cannot get more from an entry-level card with Rs.1000 annual fee. 

While there are cashback credit cards for low or no annual fee, HDFC Millennia charges a comparatively high fee of Rs. 1,000. This warrants a cost-benefit analysis before getting the card The 1-5% cashback benefit offered in the Millennia credit card is an attractive one, but you should do a proper check of whether you will be able to avail all the associated offers. For instance, the maximum 5% cashback on Amazon and Flipkart is only eligible when your spending is Rs. 2,000 or more.So here, you have to ask yourself whether you will be able to reach this spending value every time in order to make the most of this feature.   There is 5% cashback on SmartBuy and PayZapp and these platforms cater to most of your needs including travel and shopping. But you need to see whether you will get a good value for purchases on these platforms.

HDFC Millennia Credit Card is well suited for those who:

• Frequently shop online on Amazon and Flipkart
• Prefer online spending across other categories as well
• Will be able to spend Rs. 1 Lakh in a quarter to avail milestone offer

Follow the below listed steps to apply for HDFC Millennia Credit Card-

Step 1- To start with the credit card application process, click here

Step 2- Fill the basic details in the given form such as Name, Address, Pincode, Occupation, Net monthly income, etc.

Step 3- Once the form is submitted, all eligible credit cards are displayed. Filter the results for HDFC Bank credit cards. If you are eligible for Millennia card, it will be shown in the list.

Step 4- Click on ‘Check Eligibility’ and enter the required information.

Step 5- If found eligible, fill a detailed form and submit it.

Step 6- An executive from Paisabazaar will call and ask a suitable time for the bank representative to collect documents from home or office.

Step 7- The bank will then verify the documents provided and if qualified, the card will be delivered at your address within 15 days

You can also apply directly from HDFC Bank’s website or by visiting the nearest HDFC branch.

*On spending Rs.2 lakh annually

**On spending Rs.4 lakh annually

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

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

What is the limit on HDFC Millennia Credit Card?

The limit on HDFC Millennia Credit Card depends on your income and other factors and is decided only after they scrutinize your application.

I have just started with my new job. Will I be eligible for this credit card?

To be eligible for any credit card, you should be employed in your current organization for at least 6 months. However, if you have a salary account from HDFC Bank, the eligibility criteria may be relaxed.

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

As soon as you notice the loss of your card, you should hotlist it by calling on the customer care number (022-6160-6161). 

What is the minimum Repayment Amount?

The minimum amount that needs to be repaid is 5% of the total billed amount or Rs. 200

How can I maximise benefits on my Millennia Credit Card?

You can make the most of your Millennia Credit Card by using it for the right kind of expenses. Click here to view Value Chart of Millennia Credit Card. This will help you in understanding the benefits.

 What are the other benefits on the Millennia Credit Card?

• 1% Fuel Surcharge waived off on fuel transactions (Minimum transaction of Rs. 400, Maximum CashBack of Rs. 250 per statement cycle)
• Complimentary MasterCard/Visa Lounge Access Program
• Experience the Good Food Trail Dining program at premium restaurants across top cities 

Who is eligible for a Millennia Credit Card?

Salaried Age: Min 21 yrs & Max 60 Yrs, Income: Gross Monthly Income> Rs 25,000

Self Employed Age: Min 21 yrs & Max 65 Yrs, Income: ITR > Rs 6 Lakhs per annum