HDFC Millennia Credit Card
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The HDFC Millennia Credit Card is ideal for millennials who shop online regularly and want to get significant value back on their purchases.
The credit card provides perks on popular brands like Zomato, Uber, Amazon, Flipkart, and others, making it an excellent choice for online shopping. Although this credit card does not provide direct cashback, you will collect CashPoints for your purchases, which could be utilized for a range of rewards.
If you purchase with the brands with whom HDFC Bank has partnered and wish to earn good rewards on your transactions, this could be your favoured option.
Key Highlights
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HDFC Millennia Credit Card |
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Image Source: HDFC Official Website |
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Suitability |
Cashback and Online Shopping |
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HDFC Millennia Credit Card Offers |
1,000 rewards on the payment of membership |
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HDFC Millennia Credit Card Limit of Salary |
Salaried: Rs. 35,000 p.m. Self-employed: ITR > Rs. 6 lakh p.a. |
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HDFC Millenia Credit Card Renewal Fee |
Rs. 1,000 |
Benefits and Features of HDFC Millennia Credit Card
Following are the HDFC Millennia Credit Card features and benefits that the member can avail:
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Cashback on Online Shopping, Dining, Entertainment |
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Fee Waiver |
Annual Fee waiver based on active smartpay. The annual Fee will be charged immediately if a member discontinues the membership to Smart Pay temporarily or permanently or fails to comply with the requirements required to enjoy non-levy of the Annual Fee. |
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Lounge Access |
The franchise program provides 8 domestic lounge accesses per year. |
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Fuel Cost Waiver |
Waiver of 1% fuel cost up to Rs. 250 per billing cycle | T&C apply. |
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Renewal Offer |
To get your get renewal membership fee waived off for the upcoming year, spend Rs 1 lac or more in the preceding 12 months |
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Reward Points |
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Welcome Benefit |
Avail of a welcome benefit worth 1000 cashpoints (Note - It is applicable only on the joining membership fee payment) |
Annual Fee and Charges of HDFC Millennia Credit Card
The following fees and charges are linked to this credit card:
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Fee or Charge |
Amount |
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Annual Charges |
Rs. 1,000 + Taxes |
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Joining Charges |
Rs. 1,000 |
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Finance Charges |
3.6% p.m. or 43.2% p.a. |
Late Payment Fee Applicable on Millennia Credit Card
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Outstanding Balance |
Late Payment Charges (Excl. GST) |
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Less than Rs 100 |
Nil |
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Rs 100 to Rs 500 |
Rs 100 |
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Rs 501 to Rs 5,000 |
Rs 500 |
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Rs 5,001 to Rs 10,000 |
Rs 600 |
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Rs 10,001 to Rs 25,000 |
Rs 800 |
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Rs 25,001 to Rs 50,000 |
Rs 1100 |
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More than Rs 50,000 |
Rs 1300 |
Eligibility Criteria to Apply for HDFC Millennia Credit Card
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Particulars |
Age |
Income |
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Salaried |
21 Years - 40 Years |
Rs 35,000 per month |
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Self-employed |
21 Years - 40 Years |
Rs 6 lakh p.a. (ITR) |
Documents Required to Apply
- Formal application with two pictures.
- Any ID will suffice (PAN Card, Driver's license, Passport, Aadhaar card)
- Address verification (permanent)- Anyone (Passport, Aadhaar card.)
- Payslips from the previous three months for salaried employees.
How to Apply for the HDFC Millennia Credit Card
HDFC Bank credit cards can be applied online at the bank's official website. You should-
Step 1: From the bank's official website, go to the HDFC Millennia credit cards page.
Step 2: Click or hit the "Sign Up" button next to the Millennia Credit Card.
Step 3: You will be forwarded to HDFC's credit card application page, where you must complete a form in order for your application to be submitted.
Similar Credit Cards
Here are some other credit cards offering similar features-
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Credit Card Name |
Characteristics |
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5% cashback on online spends, 1% cash back on other spends. |
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Standard Chartered Smart Credit Card |
2% cashback on online spending. |
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5% cashback on bill payment, mobile, and DTH recharge. |
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10X reward points on purchases from partner brands such as Amazon, Apollo 24X7, BookMyShow, Cleartrip, Eazydiner, Lenskart, and Netmeds. |
