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I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :09/05/2021

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

CIBIL TERMS AND
CONDITIONS

To,
TransUnion CIBIL Limited
[Formerly known as Credit Information Bureau (India) Limited]
One Indiabulls building ,Unit No 1901 – 1905,
19th Floor, Tower 2A-2B, Jupiter Mill compound,
Senapati Bapat Marg, Lower Parel, Mumbai 400 013

Sub: Grant of Consent

Dear Sirs,

In connection with submission of the application for my credit information offered by CIBIL (“Consumer Credit Information”) through Paisabazaar (referred to as the “Company”) and delivery of the Consumer Credit Information to the Company, I hereby acknowledge and agree to the following:

A. The Company is my lawfully appointed agent and he / it has agreed to be my agent for the purposes, including, without limitation, to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the Agreement entered into between the Company and TUCL, and the Company has granted its consent for being appointed for the aforesaid purpose.

B. I grant my unconditional consent to the Company to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the Agreement entered into between the Company and TUCL, as the case may be, and the Company has granted its consent for being appointed for the aforesaid purpose. I hereby represent and acknowledge that: the Terms of Understanding in relation to the use of the Consumer Credit Information has been agreed between me and the Company.

C. I hereby expressly grant unconditional consent to, and direct, TUCL to deliver and / or transfer my Consumer Credit Information to the Company on my behalf.

D. I shall not hold TUCL responsible or liable for any loss, claim, liability, or damage of any kind resulting from, arising out of, or in any way related to: (a) delivery of my Consumer Credit Information to the Company ; (b) any use, modification or disclosure by the Company of the contents, in whole or in part, of my Consumer Credit Information , whether authorized or not; (c) any breach of confidentiality or privacy in relation to delivery of my Consumer Credit Information to the Company ; (d) for any use made by the Company which is contrary to the Agreement entered into between the Company and TUCL

E. I acknowledge and accept that: (a) TUCL has not made any promises or representations to me in order to induce me to provide my Consumer Credit Information or seek any consent or authorization in this regard; and (b) the implementation of the Agreement between TUCL and the Company is solely the responsibility of the Company.

F. I agree that I may be required to record my consent / provide instructions electronically and in all such cases I understand that by clicking on the "I Accept" button below, I am providing "written instructions" to Paisabazaar authorizing Paisabazaar to obtain my Consumer Credit Information from my personal credit profile from TransUnion CIBIL LIMITED, [formerly known as Credit Information Bureau (India) Limited]]. I further authorize Paisabazaar to obtain such information solely to confirm my identity and display my Consumer Credit Information to me. Further in all such cases “By checking this box and clicking on the ‘Authorize button, I agree to the terms and conditions, acknowledge receipt of TUCL privacy policy and agree to its terms, and confirm my authorization for Paisabazaar to obtain my Consumer Credit Information.

G. I understand that in order to deliver the product to me, I hereby authorize Paisabazaar, to obtain my Consumer Credit Information from TUCL.

H. By submitting this registration form, I understand that I am providing an express adhoc one-time written instructions for Paisabazaar to request and receive information about me from third parties, including but not limited to a copy of my consumer credit report and score from consumer reporting agencies, at any time for so long as I have an active Paisabazaar account. I further authorize Paisabazaar to retain a copy of my information for use in accordance with the terms of use of this service, Paisabazaar’s Terms of Use and Privacy Policy.

I. I UNDERSTAND THAT THE PRODUCT IS PROVIDED ON AN “AS-IS”, “AS AVAILABLE” BASIS AND TUCL EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

J. I shall not sue or otherwise make or present any demand or claim, and I irrevocably, unconditionally and entirely release, waive and forever discharge TUCL , its officers, directors, employees, agents, licensees, affiliates, successors and assigns, jointly and individually (hereinafter “Releasee”), from any and all manner of liabilities, claims, demands, losses, claims, suits, costs and expenses (including court costs and reasonable attorney fees) (“Losses”), whatsoever, in law or equity, whether known or unknown, which I ever had, now have, or in the future may have against the Releasee with respect to the submission of my Consumer Credit Information and / or my decision to provide TUCL L with the authority to deliver my Consumer Credit Information to the Company . I agree to defend, indemnify, and hold harmless the Releasee from and against any and all Losses resulting from claims made against TUCL L by third parties arising from and in connection with this letter.

K. I agree that the terms of this confirmation letter shall be governed by the laws of India and shall be subject to the exclusive jurisdiction of the courts located in Mumbai in regard to any dispute arising hereof. TUCL is entitled to assign its rights hereunder to any third person without taking my prior written consent.

Yours faithfully,
Name :

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :09/05/2021

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

EQUIFAX TERMS AND
CONDITIONS

I Mr./Ms. -------------------- ---------------------residing at ------------------------ ---------------------------------------- do hereby authorise Paisabazaar Team ,to do all acts on my behalf as may be necessary including to execute/sign application(s), make payment of applicable fees* and generally to all other acts as may be necessary to receive, on my behalf and at my request, my Credit Information Report (CIR) from Equifax Credit Information Services Private Limited("Equifax") at the following address/email id:

I hereby confirm that all the powers hereby conferred may be exercised by officer(s) or manager(s) / agent(s) / employees of the Paisabazaar who is duly authorized by the Paisabazaar.

I hereby confirm, agree, undertake and accept that I shall at all times be solely responsible for all the above actions and omissions of the Paisabazaar shall be binding on me as though such actions had been carried out by me directly. I further confirm that my CIR shall be used only for the purpose as mentioned in the attached standard terms and conditions and I shall be solely liable for, and indemnify and hold harmless Equifax for and against, any and all third party claims or damages or proceedings of any kind, arising from or in connection with (a) any misrepresentations, incorrect information or omission of any critical information in my application, or (b) furnishing my CIR based on this authorization letter, and shall not at any time hold Equifax or its affiliates and their respective officers, directors, employees or representatives liable in this respect.

I hereby also confirm that I have only appointed Paisabazaar to be my authorized agent/representative for collection of my CIR.

I undertake to keep Equifax intimated and informed at all times, of any renewals or termination of the authorization to Paisabazaar or any amendments, modifications or changes in the terms governing the obligations or my relationship with Paisabazaar.

I shall at all times co-operate with Equifax and execute and deliver to Equifax such instruments and documents and take such other actions as may be required by Equifax from time to time in connection with this authority letter.

By signing on this authorization letter, I hereby acknowledge and accept the Standard Terms and Conditions mentioned above.

Date : 09/05/2021

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :09/05/2021

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

EXPERIAN TERMS AND
CONDITIONS

YOU HEREBY APPOINT PAISABAZAAR AS YOUR AUTHORISED REPRESENTATIVE TO RECEIVE YOUR CREDIT INFORMATION FROM EXPERIAN.

YOU HEREBY IRREVOCABLY AND UNCONDITIONALLY CONSENT TO SUCH CREDIT INFORMATION BEING PROVIDED BY EXPERIAN TO YOU AND PAISABAZAAR AND YOU HEREBY AGREE, ACKNOWLEDGE AND ACCEPT THE TERMS AND CONDITIONS SET FORTH HEREIN. YOU HEREBY ALSO AGREE AND ACKNOWLEDGE THAT FOR PAISABAZAAR TO SERVICE YOU AS A CUSTOMER, THE CREDIT INFORMATION SHALL BE SHARED BY EXPERIAN WITH YOU AND PAISABAZAAR ON A MONTHLY BASIS. YOU FURTHER ALSO AGREE AND CONSENT TO RECEIVE SUCH CREDIT INFORMATION DIRECTLY FROM EXPERIAN AND ALSO THROUGH YOUR PAISABAZAAR ACCOUNT AS PER YOUR INDEPENDENT REGISTRATION WITH PAISABAZAAR.

Please read the Terms and Conditions of this document carefully before accepting. By clicking on the "I ACCEPT" button below, you are expressly agreeing to access the Experian Credit Information Report and Credit Score (as defined in the Important Information Section below) (together referred as "Credit Information") and share a copy of the Credit Information with Paisabazaar in the "as is" format. Please click on the link below to read and understand the Important Information section below.

** This document is an electronic record in terms of the Information Technology Act, 2000 and Rules made there under, and the amended provisions pertaining to electronic records.

Information Collection, Use, Confidentiality, No-Disclosure and Data Purging

PAISABAZAAR/ We/ Us can only access your Credit Information as your authorized representative and we shall use the Credit Information for limited end use purpose consisting of and in relation to the services proposed to be availed by you from us on the Website. We shall not aggregate, retain, store, copy, reproduce, republish, upload, post, transmit, sell or rent the Credit Information to any other person and the same cannot be copied or reproduced other than as agreed herein.

We shall protect and keep confidential the Credit information both online and offline and use best in class security measures in line with applicable laws. The Credit Information shared by You, or received on your behalf shall be destroyed, purged, erased promptly upon the earlier of: (i) your written request to terminate this relationship with Paisabazaar (ii) the completion of provision of the Services by us to you.

Governing Law and Jurisdiction The relationship between you and the Parties shall be governed by laws of India and all claims or disputes arising there from shall be subject to the exclusive jurisdiction of the courts of [Mumbai].

Definitions: Capitalised terms used herein but not defined above shall have the following meanings:
"Credit Information Report" means the credit information / scores / aggregates / variables or reports which shall be generated by Experian;
"Credit Score" means the score which shall be mentioned on the Credit Information Report which shall be computed by Experian.
"CICRA" shall mean the Credit Information Companies (Regulation) Act, 2005 read with the Credit Information Companies Rules, 2006 and the Credit Information Companies Regulations, 2006, and shall include any other rules and regulations prescribed thereunder.
PLEASE READ THE ABOVE MENTIONED IMPORTANT INFORMATION AND CLICK ON "ACCEPT" FOLLOWED BY THE LINK BELOW TO COMPLETE THE AUTHORISATION PROCESS FOR SHARING OF YOUR CREDIT INFORMATION BY EXPERIAN WITH YOU AND PAISABAZAAR, IN ITS CAPACITY AS YOUR AUTHORISED REPRESENTATIVE.
BY CLICKING "ACCEPT" YOU AGREE AND ACCEPT THE DISCLAIMERS AND TERMS AND CONDITIONS SET OUT HEREIN. THE TERMS AND CONDITIONS MENTIONED HEREIN MAY CHANGE IN ORDER TO COMPLY WITH GOVERNING LAWS OF THE COUNTRY AND THE CONSUMER SHALL BE BOUND TO ANY CHANGES TO THIS AGREEMENT

Name :
Date : 09/05/2021

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :09/05/2021

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

CRIF HIGH MARK TERMS
AND CONDITIONS

This End User Agreement (the "Agreement") is made between you (the "User" or "You") and Paisabazaar Marketing and Consulting Pvt Ltd ("PaisaBazaar"), a private limited company having its registered office at Plot No 119, Sector-44, Gurgaon-122001, Haryana ("PAISABAZAAR", "Us" or "We", which term shall include its successors and permitted assigns). The User and PAISABAZAAR shall be collectively referred to as the "Parties" and individually as a "Party".

YOU HEREBY APPOINT PAISABAZAAR AS YOUR AUTHORISED REPRESENTATIVE TO RECEIVE YOUR CREDIT INFORMATION FROM CRIF HIGH MARK. BY EXECUTING THIS AGREEMENT / CONSENT FORM, YOU ARE EXPRESSLY AGREEING TO ACCESS THE CRIF HIGH MARK CREDIT INFORMATION REPORT AND CREDIT SCORE, AGGREGATE SCORES, INFERENCES, REFERENCES AND DETAILS (AS DEFINED BELOW)(TOGETHER REFERRED AS "CREDIT INFORMATION"). YOU HEREBY ALSO IRREVOCABLY AND UNCONDITIONALLY CONSENT TO SUCH CREDIT INFORMATION BEING PROVIDED BY CRIF HIGH MARK TO YOU AND PAISABAZAAR BY USING CRIF HIGH MARK TOOLS, ALGORITHMS AND DEVICES AND YOU HEREBY AGREE, ACKNOWLEDGE AND ACCEPT THE TERMS AND CONDITIONS SET FORTH HEREIN. YOU ALSO ACKNOWLEDGE THAT YOU SHALL NOT RAISE ANY CLAIM OR HOLD LIABLE CRIF HIGH MARK CREDIT INFORMATION SERVICES PRIVATE LIMITED IN RELATION TO YOUR CREDIT INFORMATION REPORT AND CREDIT SCORE PROVIDED OR TO BE PROVIDED BY CRIF HIGH MARK TO PAISABAZAAR.

Terms and Conditions: Information Collection, Use, Confidentiality, No-Disclosure and Data Purging PAISABAZAAR shall access your Credit Information as your authorized representative and PAISABAZAAR shall use the Credit Information for limited end use purpose consisting of and in relation to the services proposed to be availed by you from PAISABAZAAR. PAISABAZAAR shall not aggregate, retain, store, copy, reproduce, republish, upload, post, transmit, sell or rent the Credit Information to any other person and the same cannot be copied or reproduced other than as agreed herein.

The Parties agree to protect and keep confidential the Credit Information both online and offline. The Credit Information shared by you, or received on by us on your behalf shall be destroyed, purged, erased promptly upon request from the consumer or the consumer withdrawing the consent to retain such credit information / reports by deleting/deactivating the consumers account with Paisabazaar.

Governing Law and Jurisdiction Definitions: Capitalised terms used herein but not defined above shall have the following meanings:
" Business Day" means a day (other than a public holiday) on which banks are open for general business in Gurgaon and Mumbai.
" Credit Information Report" means the credit information / scores/ aggregates / variables / inferences or reports which shall be generated by CRIF High Mark;
" Credit Score" means the score which shall be mentioned on the Credit Information Report which shall be computed by CRIF High Mark.
" CICRA" shall mean the Credit Information Companies (Regulation) Act, 2005 read with the Credit Information Companies Rules, 2006 and the Credit Information Companies Regulations, 2006, and shall include any other rules and regulations prescribed thereunder.
IN CASE THERE IS ANY DISCREPANCY OR INABILITY IN COMPLETION OF ONLINE AUTHENTICATION, PLEASE SUBMIT YOUR SELF ATTESTED KYC DOCUMENTATION IN SCANNED COPIES FOR SHARING OF YOUR CREDIT INFORMATION BY CRIF HIGH MARK WITH YOU AND PAISABAZAAR (YOUR AUTHORISED REPRESENTATIVE).
ONLINE SUBMISSION - DOES NOT REQUIRE SIGNATURE AND EXECUTION"

Name :
Date :09/05/2021

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हिंदी में पढ़े
Updated: 03-05-2021 07:09:56 AM

HDFC Millennia Credit Card is best suited for the needs of millennials who love to shop online and would like to get rewarded for their spends. It is one of the best cashback credit cards in India and  offers up to 5% cashback for online transactions and 1% cashback on all offline spends. Read more to know about the detailed features and benefits of the card.

Note: As per RBI Advisory, HDFC Bank is not accepting new applications for credit cards.

Key Highlights of HDFC Millennia Credit Card

Annual FeeRs. 1,000 (waived off on spending Rs. 1 lakh in the previous year)
Best Suited ForCashback and Online Shopping
Paisabazaar’s Rating★★★ (3/5)
Minimum Income RequiredRs. 25,000 per month
Best Feature5% cashback on Amazon and Flipkart
Find Similar Credit Cards          |        Read Card Review        |    Check Eligibility & Apply Now
HDFC Millennia Credit Card- Features and Benefits
HDFC Millennia Credit Card- Fees and Charges
Is it worth paying Rs. 1,000 Annual Fee for HDFC Millennia Credit Card?
HDFC Millennia Credit Card- Eligibility and Documentation
Should you get HDFC Millennia Credit Card?
How to Apply for HDFC Millennia Credit Card?
HDFC Millennia Credit Card Customer Care
Cards Similar to HDFC Millennia Credit Card
Frequently Asked Questions (FAQs)

HDFC Millennia Credit Card- Features and Benefits

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:

CategoryCashback OfferedMinimum Transaction
Shopping via Amazon and Flipkart, Flight & Hotel bookings on shopping via PayZapp and SmartBuy5% CashbackRs. 2,000
All online spends2.5% CashbackRs. 2,000
All offline spends and Wallet reloads1% CashbackRs. 100
Max cashback  capped at Rs. 750 per month      |         1 Cashback Point= Re.1 

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
Cash Points are valid only for 1 year from the date of accumulation e.g., if you receive Cash Points in September 2020, the same will expire in September 2021. 
Compare HDFC Millennia with Other Cashback Cards
Basis of DifferenceHDFC Millennia Credit CardAxis Bank ACE Credit CardFlipkart Axis Bank Credit CardHSBC Cashback Credit Card
Annual FeeRs. 1,000Rs. 499Rs. 500Rs. 750
Best ForBenefits across Multiple CategoriesUtilities and Food OrdersCo-branded BenefitsOnline Shopping
Minimum Income RequiredRs. 25,000 per monthCommunicated at the time of applicationCommunicated at the time of applicationRs. 33,333 per month
Maximum Cashback5% cashback on Amazon and Flipkart, Flight & Hotel bookings  and PayZapp and SmartBuy transactions5% cashback on bill pay and recharge via Google Pay and on BigBasket and Grofers5% cashback on Flipkart, Myntra and 2GUD1.5% cashback on all online spends (excluding transfer to online wallets)
Additional Cashback2.5% cashback on other online transactions of Rs. 2,000 or more and 1% cashback on offline spends and wallet reloads4% on Swiggy, Zomato and Ola4% cashback on shopping with Preferred Merchants and 1.5% cashback across all other categories1% on all other spends
Checkout other Cashback Credit Cards
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- Fees and Charges

Fees / ChargesAmount
Joining FeeRs. 1,000
Annual FeeRs. 1,000
Finance Charges3.6% p.m. | 43.2% p.a.
Late Payment Charges
  • For 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. 25,000 to Rs. 50,000 – Rs. 1,100
  • Over Rs. 50,000 – Rs. 1,300

Click here to check other associated fees and charges.

Is it worth paying Rs. 1,000 Annual Fee for HDFC Millennia Credit Card?

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. 

HDFC Millennia Credit Card- Eligibility and Documentation

CriteriaDetails
OccupationSalaried or Self-employed
Minimum Income for SalariedRs. 25,000 per month
Minimum Income for Self-EmployedRs. 50,000 per month
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?

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

Not eligible for HDFC Millennia?

Checkout HDFC Easy EMI Credit Card offering 5% CashBack on Amazon, Flipkart, Flight & Hotel bookings on shopping via PayZapp, 2.5% CashBack on all online spends and 1% CashBack on all offline spends.

Check Eligibility & Apply Now

How to Apply for HDFC Millennia Credit Card?

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.

HDFC Millennia Credit Card Customer Care

Customer Care Number022-6160-6161(Toll Free)
Timings9:30 AM to 5:30 PM from Monday to Saturday

Cards Similar to HDFC Millennia Credit Card

Credit Card Annual FeeReward Points/CashbackNet Savings
HDFC MillenniaRs.1000Earn 5% cashback on online shoppingRs.3,624*Rs. 11,248**
Standard Chartered Platinum RewardsRs.250Earn 5 Reward Points for every Rs.150 spent at partner dining restaurantsRs.8,510*Rs.9,782**
SBI SimplyClickRs.499Earn 10X Reward Points with partner brands like Amazon, BookMyShow, Cleartrip, Urban Clap etc.Rs.9,271*Rs.14,541**
ICICI Bank Coral ContactlessRs.500Earn 2 Payback Points on every Rs.100 spentRs.10,636*Rs.15,771**
IRCTC SBI PlatinumRs.500Earn 350 activation bonus Reward Points on spending Rs.500 or more within first 45 days of issuanceRs.4,776*Rs.9,964**

*On spending Rs.2 lakh annually

**On spending Rs.4 lakh annually

Frequently Asked Questions (FAQs)

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

HDFC Bank Credit Card
(3.9/5 ) 7945 Reviews
Write a review
Dec 23, 2019
4/5
Decent

It is a good credit card that gave benefits on entertainment. I am satisfied with this.

Nov 23, 2019
5/5
Just A click and all Done

Hi! i am very satisfied with the service because I got The Card in Just a single click with good limit. Really thanks to Paisabazaar and Ankit Pandey(EW04877).

Aug 28, 2019
5/5
Incredible card

It is truly addictive as the advantages are plenty. In fact, what you pay for the card is negligible if you compare it with the offerings. Now it appears I can't live without this card

Aug 28, 2019
5/5
Incredible credit card

This card has no parallel. I have used plenty of credit cards but this offers innumerable benefits. Now it appears, I can't live without this card and it is truly addictive

Aug 11, 2019
5/5
Glad

Glad that the agents come right at my door for the documentation of this card.

Aug 8, 2019
4/5
Mix of benefits

I simply cherish the vast mix of benefits and savings coming my way with this card.

View All Reviews
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