HDFC Millennia Credit Card
HDFC bank HDFC Bank

HDFC Millennia Credit Card

cat name Cashback
cat name Dining

Best Suited For: Cashback

Joining Fee: ₹1,000* Plus Applicable Taxes

Renewal Fee: ₹1,000* Plus Applicable Taxes

cat name Cashback
cat name Dining

Best Suited For: Cashback

Joining Fee: ₹1,000* Plus Applicable Taxes

Renewal Fee: ₹1,000* Plus Applicable Taxes

Best Features:- 5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato.

credit score

The HDFC Millennia Credit Card is perfect for people who shop online often. You can earn CashPoints on purchases from popular brands like Amazon, Zomato, Swiggy, Uber, and Flipkart. You get 5% CashPoints on selected brands and 1% on all other purchases. The card has an annual fee of Rs. 1,000, which can be waived if you spend Rs. 1 lakh in a year. While it doesn't offer direct cashback, you can redeem your CashPoints for statement credit, travel bookings, or products from HDFC’s catalog. It's a great choice for regular online shoppers.

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All You Need To Know

Card Type

Cashback

Cashback

Cashback on Online Shopping, Dining, and Entertainment

  • Earn 5% cashback on purchases from 10 popular merchants, including:
    • Amazon, Flipkart, Myntra, Swiggy, Zomato, Tata CLiQ, Uber, Sony LIV, BookMyShow, and Cult.fit.
    • Maximum cashback: ₹1,000 per month.
  • 1% cashback on all other spends (excluding fuel, government-related transactions, and rent payments).
    • Maximum cashback: ₹1,000 per month.
Welcome Benefits
  • Get 1,000 CashPoints as a welcome gift upon payment of the joining fee.
Dining Discounts
  • Up to 20% off at partner restaurants through Swiggy Dineout.
  • Discounts apply only when payments are made via the Swiggy app.
Lounge Access
  • 8 complimentary domestic lounge visits per year for added travel comfort.
Quarterly Spend Benefits
  • Spend ₹1,00,000 in a quarter and receive ₹1,000 gift vouchers.
  • Earn vouchers worth up to ₹4,000 annually by spending ₹4,00,000 or more.
Fuel Surcharge Waiver
  • 1% fuel surcharge waiver on transactions of ₹400 or more across all petrol pumps in India.
  • Maximum waiver: ₹250 per billing cycle.
Renewal Fee Waiver
  • Annual fee of ₹1,000 is waived if you spend ₹1,00,000 or more in the previous anniversary year.
Interest-Free Credit Period
  • Enjoy up to 50 days of interest-free credit from the date of purchase.
Rewards Structure
Category Cashback Earned
10 Partner Merchants 5% cashback (as CashPoints)
Other Transactions 1% cashback (as CashPoints)
Reward Redemption
  • Redeem CashPoints for:
    • Statement balance: 1 CP = Re. 1.
    • Products/vouchers: 1 CP = ₹0.30.
    • Flight/Hotel bookings: Via SmartBuy.

HDFC Bank Millennia Credit Card Eligibility:

Criteria Details
Occupation Salaried or Self-employed
Age Requirement 21 to 40 years
Minimum Income for Salaried Rs. 35,000 p.m.
Minimum Income for Self-employed ITR> Rs. 6 lakh p.a.
Documents Required Click here for the list of acceptable documents
Serviceable Cities Click here for the list of eligible cities

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

Type of Fee/ Charge Amount
Rs. 1,000
Annual Fee Rs. 1,000 (Waived off on spending Rs. 1 lakh in the previous year)
Finance Charges 3.6% 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

Apply for HDFC Millennia Credit Card

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FAQs

To apply, visit the HDFC Bank website and click on the "Apply Now" button for the Millennia Credit Card. Fill in your details on the application form to submit your request.

You can redeem CashPoints for cashback (adjusted against your card bill), purchase products from the HDFC catalog, or book flights and hotels.

Yes, you can withdraw cash from ATMs. A fee of 2.5% of the amount (minimum ₹500) will be charged.

HDFC Millennia Credit Card charges an interest rate of 3.6% per month (43.2% per year).

Yes, every year you get 8 complimentary domestic lounge visits.

You should Immediately call HDFC Customer Care or log in to your Net Banking account to block the card and report it as lost.

You can earn up to 10X reward points on eligible purchases.

Go to HDFC’s tracking page. Enter your 16-digit reference number and mobile number or date of birth to view the status.

CashPoints expire after 1 year, so redeem them before that.

Please click the links below to find details and instructions related to HDFC Bank Credit Cards that can help you in easily managing your card:

Apply for HDFC Millennia Credit Card with MybankingTips

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