HDFC Millennia Credit Card- Cashback Card for Millennials

The card offers benefits on shopping with leading brands, such as Amazon, Flipkart, Swiggy, Uber, etc. 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:

*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

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.

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

Click here to check other associated fees and charges.

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

Please note that the above eligibility and documentation details are only indicative. The final decision on approval or rejection of your application rests solely with HDFC Bank.

HDFC Millennia Credit Card offer benefits on everyday brands like Zomato, Uber, Flipkart, Amazon, etc. which turns out to be its unique selling proposition. Though a lot of credit cards are now focusing on such practical spend categories, Millennia was among the first few cards to come up with these features. The card also gives 1% cashback on EMI transactions and wallet reloads, which is quite a rare benefit.

You should consider getting this card if you frequently shop online, especially with the brands HDFC Bank has collaborated with. Moreover, the annual fee is also quite reasonable and can be waived off on reaching annual spends of Rs. 1 Lakh only, which is again an added advantage. An important point to note here is that HDFC Millennia Card does not offer direct cashback; users will earn Cash Points which can be redeemed for statement credit in 1:1 ratio. Though it doesn’t affect the value of the benefits, you should reconsider your options if redeeming reward points seems a hassle.

Suggested read: Best Credit Cards in India

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

*T&C Apply

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.