HDFC Millennia Credit Card

The Millennia credit card is highly popular from HDFC Bank because of its attractive offers and Benefits. It's available for a membership fee of Rs.1,000 plus taxes for the first year, and the same for renewal. Plus, if you spend Rs.1 lakh in a year, you can get a waiver on the renewal fee for the next year.

Credit Card Offer

Key Highlights of HDFC Millennia Credit Card
HDFC Millennia Credit Card
Best Suited For Cashback
Joining Fee Rs. 1,000
Annual/ Renewal Fee Rs. 1,000
Welcome Benefit ₹1000 worth gift vouchers on spends of ₹1,00,000 and above in each calendar quarter
Reward Benefit 1% cashback on all other spends (except Fuel) including EMI & Wallet transactions
Discount Upto 20% discount on partner restaurants via Swiggy Dineout
Best Feature 5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato.
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Table of Contents
HDFC Millennia Credit Card: Features & Benefits
Fees and Charges
Eligibility and Documentation
Other Similar Credit Cards
Should you get this card?
FAQs

Welcome Benefit

  • Pay your Joining Membership Fee and get Gift Voucher equivalent to Fee Amount (applicable only on payment of joining membership fee)

Lounge Access

  • With the Millennia Credit Card, you receive 4 free visits to domestic lounges each year, one per quarter. To qualify, you need to spend Rs. 1 lakh or more in a calendar quarter, starting from December 1, 2023. There's a fee of either Rs. 2 or Rs. 25 per swipe for lounge access, depending on your card type (Visa, RuPay, Mastercard, or Diners Club).

Also read: Best Credit Cards Airport Lounge Access

Milestone Benefit

  • The card provides milestone benefits both annually and quarterly. If you spend Rs. 1 lakh in a year, you'll get an annual fee waiver of Rs. 1,000. Additionally, for each calendar quarter, spending Rs. 1 lakh or more earns you Rs. 1,000 worth of gift vouchers.

Fuel Surcharge Waiver

  • You can enjoy a 1% fuel surcharge waiver on transactions between Rs. 400 to Rs. 5,000. The maximum cashback you can earn per statement cycle is Rs. 250.

Dining Discounts

  • The card provides dining discounts of up to 20% at partner restaurants through Swiggy Dine Out when you make payments using the Swiggy App.

High Cash Back on Top Online Brands

  • 5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato
  • 1% cashback on all other spends (except Fuel) including EMI & Wallet transactions.

Note: 1,000 cash points per statement cycle

Also read: Best Rewards Credit Cards in India

Before applying for this credit card, keep in mind that it offers cashback in the form of Cash Points, not direct cash. These Cash Points work like rewards points you get with other credit cards. For example, when you spend in certain categories, you'll earn cash points as outlined below:

Spending Category Cashback Category Amount Cash Points Earned
10 Online Merchants 5% cashback Rs. 15,000 750 Cash points
Other Spends 1% cashback* Rs. 10,000 180 Cash points
EMI Purchases Rs. 8,000

*Note that 1% cashback on EMI & wallet reloads are offered collectively with the ‘other spends’ category.

Multiple Redemption Options

In addition to great cashback benefits, what makes this card appealing is the variety of ways you can use your earned points. You can redeem them for discounts on your statement balance, hotel and flight bookings through the Unified SmartBuy portal, items from a product catalog, or even as air miles. The redemption value is as follows:

Category 1 cash point equals to
Cash Back (statement balance) Rs. 1
Unified SmartBuy (Flight/Hotels Bookings) Rs. 0.30
Product Catalog Up to Re. 0.30
Airmiles 0.30 air miles

Terms & Conditions for Cash Point Redemption

  • To redeem cash points against the statement balance, you need to have a minimum of 500 cash points.
  • All the cash points you accumulate have a 2-year expiry period from the date they were earned.
  • When it comes to redeeming cash points for flights and hotel bookings, you can use them for up to 50% of the booking value. However, you'll need to cover the remaining transaction amount with your credit card.
  • Starting from January 1st, 2023, there's a cap on reward points redemption for flights and hotel bookings at 50,000 points per calendar month.
  • Effective from February 1st, 2023, the redemption of cashback reward points against the statement balance is limited to a maximum of 3,000 cash points per calendar month.
  • Starting from February 1st, 2023, you can redeem up to 70% of the value of select products and vouchers using cash points. The remaining amount should be paid using your credit card.

Also read: Best Fuel Credit Cards in India

HDFC Millennia Value Back Comparison with Other Cashback Credit Cards

When it comes to cashback credit cards with benefits for everyday online shopping, the Flipkart Axis Bank and Amazon Pay ICICI cards are usually at the top. However, with the Millennia Credit Card, I enjoy benefits similar to those offered by both the Amazon Pay ICICI Credit Card and Flipkart Axis Bank Credit Card. Even though I have the Flipkart Axis Bank Credit Card, which gives extra perks for shopping on Flipkart, I find that the Millennia card meets my needs for cashback on these two brands and others as well.

Spends HDFC Millennia Credit Card Amazon Pay ICICI Credit Card Flipkart Axis Bank Credit Card
Rs. 5,000 spent on Myntra 250 cash points Rs. 50 Rs. 75
Rs. 5,000 spent on Amazon 250 cash points Rs. 250 Rs. 75
Rs. 5,000 spent on Flipkart 250 cash points Rs. 50 Rs. 250
Rs. 5,000 spent offline & Rs. 10,000 on EMI purchase 150 cash points Rs. 50 Rs. 75
Total value back Rs. 900* Rs. 400 Rs. 475

* On redemption against statement balance.

Based on the above comparison, you should consider getting the HDFC Bank Millennia Credit Card if your online spends are scattered amongst the 10 partnered online brands. However, you should consider getting an Amazon Pay ICICI Bank Credit Card or a Flipkart Axis Bank Credit Card, if you are an Amazon or a Flipkart loyalist. There is no upper limit on earning cashback on these cards, whereas, in the case of Millennia, it is capped at 1,000 cash points per statement cycle. Thus, if you are a loyalist of these brands you will be able to maximize the HDFC Millennia Credit Card benefits.

Additionally, unlike the Millennia Credit Card, where cash points are credited in the subsequent month, the Flipkart Axis Bank Credit Card and Amazon Pay Card provide cashback in the same month as the transaction, reflected in the card statement and Amazon wallet, respectively.

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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

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

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

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.

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

Credit Card Annual Fee Reward Points/ Cashback
Axis Bank ACE Credit Card Rs. 499 5% cashback on bill payment, DTH and mobile recharge
Cashback SBI Card Rs. 999
  • 5% cashback on all online spends*
  • 1% cashback on all other spends*
SBI SimplyClick Credit Card Rs. 499 10X reward points on your spends at partner brands like Amazon/ Apollo24X7/ BookMyShow/ Cleartrip/ Eazydiner/ Lenskart/ Netmeds
Standard Chartered Smart Credit Card Rs. 499 2% cashback on online spends*
HSBC Cashback Credit Card Nil 1.5% cashback on all online spends*

*T&C Apply

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You should consider applying for the HDFC Millennia Credit Card if:

1. You frequently use your credit card for various transactions. 2. Your spending habits aren't strongly aligned with specific brands. 3. Most of your credit card spending occurs online, particularly with the partnered brands. 4. You're seeking an entry-level credit card with versatile benefits. 5. You anticipate spending Rs. 1 lakh in a year to have the Rs. 1,000 annual fee waived.

On the other hand, you might want to explore other credit card options if:

1. You're looking for benefits specific to certain brands or categories. 2. You prefer receiving direct cashback instead of cash points that require redemption. 3. An annual fee of Rs. 1,000 is too high for your preferences and spending habits.

1. I already have an HDFC Credit Card. Can I apply for HDFC Millennia Credit Card?

HDFC Bank typically does not permit individuals to hold two different HDFC Credit Cards. However, in exceptional cases, you may be able to request a card upgrade to the HDFC Millennia Credit Card. For further information and details, please get in touch with HDFC Credit Card Customer Care.

2. How can I apply for HDFC Millennia Credit Card?

You can apply for the HDFC Millennia Credit Card through both online and offline channels. To apply online, you can visit the bank's official website. If you prefer an offline application, you can visit the nearest branch of the bank and complete the application form. Additionally, you have the option to apply for the HDFC Millennia Credit Card through mybankingtips. Click here to begin the application process.

3. What is the credit limit offered on HDFC Millennia Credit Card?

The credit limit for the card is determined by the bank following a thorough review of your application. Various factors such as your credit score, repayment capacity, income, and other relevant criteria are taken into account when the bank determines your credit limit. You will receive information about your credit limit once you have applied for the credit card and your application has been assessed by the bank.

4. I have just started with my new job. Will I be eligible for HDFC Millennia Credit Card?

To be eligible for this credit card, you typically need to have been employed in your current organization for a minimum of 6 months, and your monthly income should meet or exceed Rs. 35,000. However, if you hold a salary account with HDFC Bank, there may be more flexible eligibility criteria.

5. What should I do if I lose my HDFC Millennia Credit Card?

If you notice your card is lost or stolen, it's crucial to take immediate action. Contact the bank's customer care number right away to report the loss. A bank representative will promptly block your credit card to prevent any fraudulent activity. Additionally, you can also report the loss of your credit card through the bank's official website for added convenience.

6. What is the cash advance fee charged on HDFC Millennia Credit Card?

The cash advance fee for the HDFC Millennia Credit Card is either 2.5% of the withdrawn amount or Rs. 500, whichever is higher. It's advisable to avoid cash withdrawals using your credit card as it incurs these additional charges.

7. How can I see offers on my HDFC Millennia Credit Card?

To view all the available offers on your credit card, you can simply log in to your HDFC net banking account. After logging in, navigate to the 'Offers' section. Here, you'll find a comprehensive list of all the offers currently available on your credit card.

8. How can I check the status of my HDFC Millennia Credit Card?

You can easily check the status of your credit card application by visiting the bank's official website. First, go to the 'Products' tab and select 'Credit Card.' Then, click on the 'Track your Credit Card Application Status' option. Provide the requested details, and you will receive the current status of your application on the screen.

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