HDFC Millennia Credit Card
Cashback
Online Shopping
1st Year Fee: ₹1,000* Plus Applicable Taxes
Cashback
5% cashback on popular everyday brands
Cashpoints
1,000 bonus points on card activation
Dining
Up to 20% off on partner restaurants
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About HDFC Bank Millennia Credit Card
If you are a millennial, this card will most likely fit with your spending patterns. The card offers 5% cashback on popular everyday brands, such as Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, and Zomato. The best part is that there is no minimum transaction value requirement for earning the 5% cashback benefit.
Additionally, for an entry-level credit card, it offers good redemption options. Card users can redeem the accumulated reward points against airmiles, hotel and flight bookings at the Unified SmartBuy portal, product catalog and can earn a value of 1:1 against cashback redemption. However, despite being a cashback credit card, it offers cash points instead of direct cashback. The cash points function the same as rewards points offered on a rewards credit card.
Cashback Benefits1
- 5% cashback on popular everyday brands- Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato: 1,000 cash points per statement cycle
- 1% cashback on all other spends; 1,000 cash points per statement cycle
- For redemption against statement balance 2,3 , value of 1 reward point = Rs. 1
- For redemption against Unified SmartBuy 4,5 (Flight/Hotels Bookings), value of 1 reward point = Re. 0.30
- For redemption against Product Catalog 6 , value of 1 reward point = Up to Re. 0.30
- For redemption against Airmiles, value of 1 reward point = 0.30 air miles
Suggested Read: Best credit cards in India 2025
Other Features and Benefits
- 1,000 bonus cash points on payment of the joining fee
- Annual fee waiver on spending Rs. 1 Lakh a year
- Up to 20% savings on dining bill via Swiggy Dineout
- 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 5,000., capped at Rs. 250 per statement cycle
- On spending Rs. 1 Lakh in a quarter: Either avail 1 complimentary lounge access OR a voucher worth Rs. 1,000 from the list of associated brands
Also Read: International Lounge Access Credit Cards
HDFC Millennia Credit Card: Fees & Charges
| Fee Type | Amount | ||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Rs. 1,000 | ||||||||||||||||||
| Annual Fee | Rs. 1,000 (Waived off on spending Rs. 1 lakh in the previous year) | ||||||||||||||||||
| Finance Charges | 3.75% p.m. | 45% p.a. | ||||||||||||||||||
| Late Payment Charges |
|
Things to Know Before you apply
Get this card if:
Most of your spends are online
You have multiple brand preferences
You would be able to spend Rs. 1 Lakh every quarter to utilize the milestone benefits
Eligibility Requirements:
Age: Min 21 yrs & Max 40 Yrs
Income for salaried: Net Monthly Income> Rs. 35,000
Income for self-employed: ITR > Rs. 6 Lakhs per annum
Paisabazaar Review
What do we like about this card?
Though the card charges a comparatively higher fee than most entry-level cards, HDFC Millennia stands out as a worthy count in this list. Many other cards offer co-branded benefits with multiple brands, but the actual value back there is too low. In comparison, HDFC Millennia offers multiple redemption options with value as good as 1:1. Additionally, the number of associated brands on the card are too good to be true i.e. 10.
Pros
- Up to 5% cashback on major lifestyle-related online spends
- Bonus points worth the joining fee on activation
- Multiple redemption options with redemption value of up to 1:1
- Annual fee waiver condition is quite easily achievable
Cons
- Monthly capping on cashback earning
- Low cashback rate for non-accelerated category
- Exclusion of major everyday spends like utilities and rent from cashback earning
- Lounge access benefit is optional and spend-based
Conclusion
Though the card excels due to its multiple brand benefits and great redemption options, the benefits on the card can be utilized only to a certain threshold and not beyond that. Both accelerated (5%) and non-accelerated (1%) categories come with a reward capping of 1,000 points each, every month. That way, users spending a value beyond Rs. 20,000 collectively on all 10 brands can earn only 1000 points in a month. Though the value is decent for moderate spenders, heavy spenders might be slightly disappointed. But, this is compensated well via quarterly milestone benefits offered on the card. If utilized well, the card can be a good option for those who majorly spend around the partnered brands and can utilize the 1:1 redemption.
Frequently Asked Questions
Everything you need to know about this credit card
HDFC Bank allows you to have two different HDFC Credit Cards in very rare cases, as in general, it does not allow the same. If you are keen to avail HDFC Millennia Credit Card, you can put forth a card upgrade request. For more details, you can contact the HDFC Bank Customer Care.
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. You can also apply for HDFC Millennia Credit card, with Paisabazaar.
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.
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.
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.
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.
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.
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.
Footnotes
- Exclusions: Fuel spends, Rent Payments & Government Related Transactions, Cash Advances, Payment of Outstanding Balance, Payment of card fees and other charges, Smart EMI & Dial-an-EMI transactions
- For redemption against the statement balance, the minimum cash point balance requirement is 500 cash points.
- Cashback reward points redemption against the statement balance is capped at 3,000 cash points per calendar month, as applicable from 1st February 2023.
- For flights and hotel redemption, you can redeem up to a maximum of 50% of the booking value through a cash point. You will have to pay the remaining transaction amount with a credit card.
- Reward points redemption for flights & hotel bookings are capped at 50,000 per calendar month, as applicable from 1st January 2023.
- You can redeem up to 70% of the product/voucher value via cash points on select products/vouchers. The rest is to be paid with a credit card, as applicable from 1st February 2023.
- All accumulated cash points have an expiry date of 2 years from the date of accumulation.
Click here to know More Terms and Conditions
Megha Khanna
Megha is an experienced writer with a specialization in credit cards and personal finance. With a keen eye for detail and a passion for helping readers make informed financial choices, she creates engaging content that demystifies the complexities of credit cards, from rewards and benefits to interest rates and fees.
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16 Comments
Mam how much charges i have to pay for merchant upi payment can u explain
There are no additional charges for making UPI payment through your credit card. You can link your HDFC Millennia Rupay credit card to any UPI app and select the card while making payment to the merchant.
The HDFC Millennia Credit Card looks like a fantastic choice for maximizing rewards and cashback on everyday spending a must-consider for savvy shoppers!
For calculating the amount of spends per quarter, does the a mount spent on UPI credit card also considered?
Yes. UPI transactions are also included for quarterly spend milestone calculation.
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