HDFC Millennia Credit Card: Features, Fees, Benefits, and Drawbacks Explained

Apply Now

Card Fees

₹1,000/-

Joining Fees

₹1,000/-

Annual Fees

3.5%

Foreign Transaction Fee

3.75%

APR

2.5%

Over-limit Fee

Eligibility Criteria

21-60

Minimum & Maximum Age Criteria

15,000

Minimum monthly income

750

Minimum Credit Score

Category

,

Minimum Credit Score Required

750

Annual Charges

₹1,000/-

Features

  • Priority delivery, free dishes, exclusive discounts
  • Fashion discounts, early access, exclusive sales
  • Free tickets

Welcome Offer

  • 1-month free membership
  • ₹500 Myntra credits
  • 1 free movie ticket

HDFC Millennia Credit Card is designed for millennials and frequent online shoppers, offering cashback on top e-commerce platforms like Amazon, Flipkart, Swiggy, and more. The card rewards users with 5% cashback on online spending and 1% cashback on other transactions, making it perfect for those who love to shop online.

Written By:

Hasnain Memon

Last Updated:

April 24, 2025

Key Features

  • Welcome Benefit: Gift vouchers upon card activation
  • Cashback:
    • 5% cashback on Amazon, Flipkart, Swiggy, Zomato, and other top brands
    • 1% cashback on other spends
  • Travel Benefits: Complimentary airport lounge access
  • Fuel Surcharge Waiver: 1% on all fuel transactions
  • Smart EMI: Convert purchases into easy EMIs
  • Dining Discounts: Exclusive discounts at partner restaurants

Benefits and Rewards:

  • Reward Points/Cashback:
    • 5% cashback on partner brands
    • 1% cashback on regular spends
  • Travel Perks:
    • 8 complimentary domestic lounge visits per year
  • Lifestyle Offers:
    • Dining discounts and shopping vouchers
  • Milestone Benefits:
    • Annual fee waiver on spending ₹1 lakh annually

Fees And Charges

Pro and Cons:

Pros:

  • High cashback on top online platforms
  • Complimentary airport lounge access
  • Annual fee waiver on spending ₹1 lakh
  • Dining and fuel benefits

Cons:

  • Cashback is capped monthly
  • High foreign currency markup
  • Lower cashback for offline spends

How To Apply

Visit HDFC Bank Website

  1. Go to hdfcbank.com
  2. Select Millennia Credit Card
  3. Browse the credit card section and choose the Millennia Credit Card
  4. Click ‘Apply Now’
  5. Start the online application process
  6. Fill the Form
  7. Enter your personal and financial information
  8. Upload Documents
  9. Provide ID proof, address proof, and income proof
  10. Submit for Approval

Additional Information

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  1. What are the main benefits of the Millennia Credit Card?
    • 5% cashback on select merchants, 1% on others, and ₹1,000 gift vouchers.
  2. What is the annual fee for the HDFC Millennia Credit Card?
    • ₹1,000 plus taxes. Waived on spending ₹1,00,000 in a year.
  3. What is the eligibility for the Millennia Credit Card?
    • Salaried: ₹24,000/month income. Self-employed: ₹6,00,000/year income.
  4. How can I redeem my CashPoints?
    • CashPoints can be redeemed for cashback, travel, or products/vouchers.
  5. Are there any exclusions for cashback?
    • Cashback excludes fuel, rent payments, government transactions, and more.

About

At FinWitty, we dive deep into the features, benefits, and rewards of various credit cards to bring you honest reviews, comparisons, and recommendations. Whether you’re looking for the best cashback card, travel perks, or fuel savings, we ensure you have all the insights needed to pick the perfect card for your needs.

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