HDFC Millennia Credit Card
Housing Development Finance Corporation Housing Development Finance Corporation

HDFC Millennia Credit Card

/assest/image/icons/lounge-access.svg Airport Lounge Access
/assest/image/icons/cashback.svg Cashback
/assest/image/icons/fuel.svg Fuel
MyBankingTips Rating

Joining Fee: ₹1000* Plus Applicable Taxes

Renewal Fee: ₹1000*Plus Applicable Taxes

Airport Lounge Access Airport Lounge Access
Cashback Cashback
Fuel Fuel
MyBankingTips Rating

Joining Fee: ₹1000* + Tax

Renewal Fee: ₹1000* + Tax

Welcome benefits:- Get a welcome benefit of 1,000 CashPoints upon payment of the joining membership fee.

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About The Card Rewards Program Features & Benefits Fees & Charges Thinks We Know FAQs

About HDFC Millennia Credit Card

If you’re a millennial, the HDFC Bank Millennia Credit Card is designed to match your lifestyle and spending habits. It offers 5% cashback (in the form of cash points) on leading everyday brands like Amazon, Flipkart, Myntra, Zomato, Swiggy, Uber, BookMyShow, Tata CLiQ, Sony LIV, and Cult.fit. A key highlight is that there’s no minimum transaction amount required to earn this benefit.

For an entry-level card, it also provides flexible redemption options. The accumulated cash points can be redeemed for airmiles, hotel and flight bookings via the SmartBuy portal, products from the catalog, or even as cashback at a 1:1 value. Though marketed as a cashback card, the rewards are offered in the form of cash points (similar to reward points), rather than direct cashback.

The card comes with a joining fee of ₹1,000 + applicable taxes and an annual renewal fee of ₹1,000 + taxes. However, you can get the renewal fee waived if your annual spending reaches ₹1 lakh.

In short, the HDFC Bank Millennia Credit Card rewards frequent online shoppers with attractive discounts through cash points, making it a smart option for young professionals and millennials.

The HDFC Bank Millennia Credit Card is a popular choice because of the exciting offers and benefits it provides. It is especially great for people who shop online often, as it gives good value back and rewards on top brands like Amazon, Zomato, Uber, Flipkart, and more.

HDFC Millennia Credit Card Rewards Program

Cashback Benefits

  • 5% cashback on popular everyday brands such as Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber, BookMyShow, Cult.fit, Tata CLiQ, and Sony LIV (up to 1,000 CashPoints per statement cycle).
  • 1% cashback on all other spends, including wallet and EMI transactions (up to 1,000 CashPoints per statement cycle).

Redemption Value of CashPoints

  • Against statement balance: 1 CashPoint = ₹1
  • On SmartBuy (Flights/Hotels): 1 CashPoint = ₹0.30
  • On Product Catalog: 1 CashPoint = up to ₹0.30
  • On Air Miles: 1 CashPoint = 0.30 Air Miles

Other Features and Benefits

  • Get 1,000 bonus CashPoints on payment of the joining fee
  • Enjoy annual fee waiver on spends of ₹1 Lakh or more in a year
  • Save up to 20% on dining bills via Swiggy Dineout
  • Avail 1% fuel surcharge waiver on transactions between ₹400–₹5,000 (capped at ₹250 per statement cycle)
  • Spend ₹1 Lakh in a quarter to choose between:
    1. 1 complimentary lounge access, or
    2. A ₹1,000 voucher from partnered brands

Fees and Charges

Fee TypeAmount
Joining FeeRs. 1,000
Annual FeeRs. 1,000 (Waived off on spending Rs. 1 lakh in the previous year)
Finance Charges3.75% p.m. | 45% p.a.
Late Payment Charges
For outstanding balance: 
Up to Rs. 100Nil
Rs. 101 to Rs. 500Rs. 100
Rs. 501 to Rs. 1,000Rs. 500
Rs. 1,001 to Rs. 5,000Rs. 600
Rs. 5,001 to Rs. 10,000Rs. 750
Rs. 10,001 to Rs. 25,000Rs. 900
Rs. 25,001 to Rs. 50,000Rs. 1,100
More than Rs. 50,000Rs. 1,300

Things to Know Before you apply

Get this card if:

  • You can comfortably spend ₹1 Lakh every quarter to unlock milestone benefits
  • You shop across multiple brands
  • Most of your spending happens online

Eligibility Criteria

  • Age: 21 to 70 years
  • Occupation: Salaried or Self-employed
  • Credit Score: Should have a good credit history

Document Required For HDFC Millennia Credit Card

  • Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
  • Proof of Address: Aadhaar Card, Driver’s License, Passport
  • Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement

HDFC Millennia Credit Card Hilights

What do we like about this card?

  • Get 5% cashback on popular online brands like Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber, BookMyShow, Cult.fit, Tata CLiQ, and Sony LIV.
  • Earn 1% cashback on all other spends, including wallet loads and EMIs.
  • Enjoy 20% discount on partner restaurants through Dineout.
  • Spend ₹1 lakh or more in a calendar quarter to receive a ₹1,000 gift voucher.

Pros

  • Earn up to 5% cashback on major lifestyle-related online spends
  • Get bonus points equal to the joining fee on activation
  • Enjoy multiple redemption choices with a value of up to 1:1
  • Annual fee waiver is fairly easy to achieve

Cons

  • Cashback earning comes with a monthly cap
  • Lower cashback rate on non-accelerated categories
  • Everyday spends like utilities and rent are excluded from cashback
  • Lounge access is spend-based and only offered as an optional benefit

HDFC Bank Credit Card Contact Details

HDFC Card offers multiple ways to get assistance for your credit card queries and services.

  • Contact Address: Manager, HDFC Bank Cards Division, PO BOX # 8654, Thiruvanmiyur PO Chennai - 600 041
  • Helpline: You can contact us at 1800 1600 / 1800 2600.
  • Simply SMS: -  SMS “CCHELP” to 5676712

Frequently Asked Questions

Everything you need to know about this credit card

The credit limit is decided by the bank after reviewing factors like your income, credit score, repayment history, and overall eligibility. You’ll know your exact credit limit once your application is approved.

In most cases, HDFC Bank does not allow customers to hold two separate HDFC Credit Cards. However, you can request a card upgrade to switch to the Millennia Credit Card.

Visit the HDFC Bank website, click on ‘Track Credit Card Application Status,’ and enter your 16-digit application reference number along with your registered mobile number or date of birth.

Yes. All EMI transactions made with your Millennia Credit Card are eligible for cashback benefits.

You can redeem CashPoints against flight and hotel bookings via SmartBuy, for shopping from the product catalog, or even for cashback (1 CashPoint = ₹1).

Yes, you can withdraw cash from ATMs. However, a cash advance fee of 2.5% of the withdrawn amount (minimum ₹500) will be charged, along with interest from the day of withdrawal.

Immediately call HDFC Bank Credit Card Customer Care to block your card. You can also log in to HDFC NetBanking or Mobile Banking to report the loss and request a replacement.

On spending ₹1 lakh in a calendar quarter, you receive a gift voucher worth ₹1,000. You must claim it within 60 days of receiving the communication via SMS/Email.

Log in to HDFC NetBanking and go to the ‘Offers’ section to see all the deals available on your card.

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