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HDFC Millennia Credit Card

Best for : Cashback
Card Type :VISA Card Logo
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If you are looking for a credit card that offers cashback on every transaction, domestic airport lounge access and attractive welcome and renewal benefits, the HDFC Millennia Credit Card is just for you. The card also offers Rs. 1,000 worth of gift vouchers on spending Rs. 1 Lakh or more per quarter. The renewal fee of Rs. 1,000 + applicable taxes is waived on spending Rs. 1 Lakh or more in a year.

Written by Reshma Rawat |
Edited by Abhijeet Singh
Updated On: Jul 5, 2024

Key Highlights of HDFC Millennia Credit Card

Following are the key highlights of the HDFC Bank Millennia credit card:

Best suited forCashback
Joining fee Rs. 1,000 + applicable taxes
Renewal membership feeRs. 1,000 + applicable taxes
Welcome benefitGift voucher equivalent to fee amount on joining fee payment  
Interest-Free Credit Period Up to 50 days from the date of purchase
Fuel Surcharge Waiver1%
Age21 to 40 years 
Gross Monthly IncomeAbove Rs. 35,000 per month for salaried & ITR above Rs. 6 Lakhs p.a. for self-employed

HDFC Credit Card Offer

Features & Benefits of HDFC Millennia Credit Card

The main HDFC Millennia credit card benefits are mentioned below in detail:    
Welcome Benefit 

  • Pay your Joining Membership Fee & get a gift voucher equivalent to the fee amount. 
  • Applicable only on payment of membership fee.

Cashback

  • 5% cashback on Amazon, BookMyShow, Cult.fit, Myntra, Flipkart, Swiggy, Tata CLiQ, Sony LIV, Uber and Zomato. 
  • 1% cashback on all other spends (except fuel), including EMIs and Wallet transactions.
  • With effect from 01.01.2023, rent payments & government related transactions will not earn reward points.

Dining Benefit

  • Up to 20% discount on bill payments at 20k+ partner restaurants via Swiggy Dineout.
  • Offer inclusive of Restaurant and Swiggy Discount. 
  • Offer valid only on payments done via Swiggy App. 

Milestone Benefits

  • Gift vouchers worth Rs. 1,000 on spending Rs. 1,00,000 or above in each calendar quarter.

Smart EMI

  • Facility to convert your big spends into EMI after purchase.
  • The purchases that can be converted into SmartEMI include insurance, groceries, medical, petrol, utility, apparel, education, electronics and travel.
  • Repay conveniently over 6 to 48 months. 
  • The loan is pre-approved so no documents are required.
  • A processing fee of Rs. 499 + GST for all loan amounts is applied.
  • Transactions over 60 days cannot be converted into EMI.

Fuel Surcharge Waiver

  • 1% fuel surcharge waiver across all fuel stations in India. 
  • The minimum transaction value should be Rs. 400 and the maximum Rs. 5,000 to avail of this benefit. 
  • The maximum waiver is available of Rs. 250 per statement cycle.

Other Benefits

  • In case you lose your Millennia credit card HDFC, report it immediately to HDFC’s 24-hour call centre, and you have zero liability on any fraudulent transactions made with your card. 
  • Up to 50 days of interest-free period on your Millennia HDFC credit card from the date of purchase, subject to submitting the charge by the Merchant.
  • HDFC Bank offers a revolving credit facility at a nominal interest rate on your Millennia card HDFC

Joining & Annual Fees 

  • Joining fee: Rs. 1,000 + applicable taxes. Waived off if you spend Rs. 1 Lakh or more.
  • Renewal membership fee: Rs. 1,000 + applicable taxes. Waived off if you spend Rs. 1 Lakh or more in the previous year.

Also Read: HDFC Bank Forex Cards

HDFC Millennia Credit Card Fee & Charges

Following are the detailed HDFC Millennia credit card charges:

  • Joining/ renewal membership fee: Rs. 1,000 + applicable taxes. Waived off on spending Rs. 1,00,000 or more in a year before your credit card’s renewal date.
  • Add-on card fee: Lifetime free.
  • Foreign currency transactions: 3.5% of the transaction value.  
  • Charges on revolving credit: 3.6% per month (43.2% per annum).
  • Conversion charges - Auto EMI: EMI conversion of all transactions (except Fuel, Gold and Jewelry) of Rs. 10,000 or more made with Easy EMI Credit Card will be done for 9 months tenure, at an interest rate of 20% p.a. and processing fee of Rs. 99.
  • Cash advance charges: 2.5% of the withdrawn amount or Rs. 500, whichever is higher.
  • Late payment charges: Up to Rs. 1,300, depending on the statement balance. 
  • Charges on over-limit account: 2.5% of the over-limit amount, subject to a minimum of Rs. 550.
  • Payment return charges: 2% of the payment amount, subject to a minimum of Rs. 450.
  • Late fee for non-payment/partial payment of EMI outstanding on Insta Jumbo loans: Rs. 500 + GST. 
  • Cash processing fee: Rs. 100 for all card payments done by depositing in HDFC Bank branches or ATMs.
  • Rewards redemption fee: Rs. 99 per redemption request.
  • Balance transfer on EMI/ Balance transfer processing charges: 1% of the balance transfer amount or Rs. 250, whichever is higher + GST.
  • Processing charges for lnsta Loan, Jumbo Loan & Smart EMI: Rs. 999 + GST.
  • Loan pre-closure charges: 3% of the outstanding balance principal. 
  • Duplicate physical statement charges: Rs. 10 per set.
  • Railway ticket purchase fee: 1% of the transaction amount + GST. 
  • Rent payment fee: 1% fee on transaction amount will be levied w.e.f 01..01.2023 on rental transactions done through HDFC Millennia card on any applicable merchant from the second transaction for the month.
  • Reissuance of lost/ stolen/ damaged card: Rs. 100.
  • Outstation cheque processing charge: Rs. 25 for cheque values up to Rs. 5,000 and Rs. 50 for cheque value above Rs. 5,000.
  • Dynamic currency conversion Markup Fee: 1% w.e.f 01..01.2023.
  • Goods and Services Tax (GST): Applicable on all fees, interest and charges. 

HDFC Millennia Credit Card Eligibility

The following are the eligibility criteria for HDFC credit card Millennia:

  • Eligibility for Salaried Applicants:
    • The applicant must be an Indian national.
    • The applicant must be aged at least 21 years and a maximum of up to 40 years. 
    • The Gross Monthly Income of the applicant should be above Rs. 35,000.
  • Eligibility for Self-employed Applicants:
    • The applicant must be an Indian national.
    • The applicant must be aged at least 21 years and a maximum of up to 40 years.
    • The applicant must have an Income Tax Return (ITR) of above Rs. 6 Lakhs per annum.

Also Read: HDFC Bank Virtual Credit Card

HDFC Millennia Credit Card Document Required

If you want an HDFC Bank Millennia credit card apply online with the following documents along with a duly filled-in and signed application and a recent colour photograph:

  • Identity proof (any one): Aadhaar Card, Passport, Driver’s License, PAN Card, Voter’s ID, Job Card issued by NREGA, Letters issued by the UIDAI or any other photo ID proof approved by the government.
  • Residence proof (any one): Passport, Aadhaar Card, Driver’s License, Ration Card, Utility Bill (not older than 3 months), Job Card issued by NREGA, Property Bank Account Statement, Registration Document, or any other address proof approved by the government. 
  • Income proof (any one): Recent salary slips (not older than 3 months), latest Form 16, and last 3 months’ bank statement. 

*Note: HDFC Bank may ask for additional documents, as per their internal policies.

HDFC Millennia Credit Card Rewards Redemption

CashBack is given in the form of CashPoints, which can be redeemed against the statement balance (on request only)

  • The redemption against the statement balance is at the rate of 1 CashPoint = Rs. 1.
  • A minimum of 500 CashPoints balance is required for redemption against the statement balance.
  • CashPoints can also be redeemed against travel benefits like flight and hotel bookings and the Rewards Catalogue at the SmartBuy Rewards Portal, at a value of 1 CashPoint = Rs. 0.30.
  • Unredeemed CashPoints will expire after 2 years of accumulation.
  • For flights and hotel redemption, you can redeem up to 50% of the booking value through Reward Points. The rest of the transaction amount will have to be paid through the Credit Card limit.
  • With effect from 01.01.2023, reward points redemption for flights & hotel bookings are capped per calendar month at 50,000.
  • With effect from 01.02.2023, reward points redemption for CashBack redemption are capped at 3,000 reward points per calendar month.
  • With effect from 01.02.2023, you can redeem up to 70% of product/voucher value through reward points on select products/vouchers and pay the remaining amount through the card.
  • Redeem CashPoints at the conversion rate of 1 CashPoint = Rs. 0.30.    
     

How to Apply for HDFC Millennia Credit Card?

You can apply for an HDFC Millenia credit card online through our website by following the steps given below:

  • Click on the ‘Credit Cards’ option on the homepage of our website.
  • Choose ‘HDFC’ from the dropdown menu and click on the ‘Apply Now’ button.
  • Enter the required information, such as your name, contact number, email ID, employment information, income details, and so on.
  • Verify your mobile number with an OTP.
  • Soon, you will get a call from our credit card expert to assist you in completing the credit card application process.

HDFC Millennia Credit Card FAQs

No. With effect from December 1st, 2023, the lounge access feature associated with Millennia Credit Card is revised.

Yes. It is one of the best credit cards for those who are looking for cashback on all their transactions. You can also read the HDFC Millennia credit card review online to know more about Diners Millennia card benefits.

  • 5% cashback on 10 online merchants viz. Amazon, BookMyShow, Flipkart, Myntra, Cult.fit, Sony LIV, Tata CLiQ, Uber, Swiggy, and Zomato. 
  • 1% cashback on all other spends (excluding fuel), including EMI spends and Wallet loads.
  • Rs. 1,000 worth of gift vouchers on spending Rs. 1,00,000 and above in each calendar quarter.

No, this card has a joining and renewal membership fee of Rs. 1,000 plus applicable taxes. However, these charges can be waived on spending Rs. 1,00,000 or more in a year before your credit card’s renewal date.

There is no specified HDFC Millennia credit card limit. The limit wholly depends on the applicant’s income and CIBIL score. 

No, there are no HDFC Millennia credit card reward points. However, you earn cashback on all your transactions.

Yes, both Residents and NREs can apply for the HDFC Millennia debit card.

Resident Indians should hold one of the following:

  • Savings Account
  • Current Account
  • SuperSaver Account
  • Loan Against Shares Account 
  • Salary Account
  • Individual Account Holders (Savings Account, Corporate Salary Accounts and Senior Citizens)

Following are the key HDFC Millennia debit card benefits:

  • 5% cashback points on shopping through PayZapp and SmartBuy.
  • 2.5% cashback points on all online spending.
  • 1% cashback points on all offline spends as well as Wallet reloads.
  • 1% fuel surcharge waiver across all fuel stations in India. 

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