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HDFC Millennia Credit Card

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हिंदी में पढ़े
Updated: 27-08-2021 07:00:09 AM

 Important: As per RBI guidelines, 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.

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.

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. 

Credit Card Rating

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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

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