Hello,

Guest!

Updated:

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
Lounge access8 complimentary domestic lounge access per calendar year 
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 

  • 1000 Cash Points as a welcome benefit.
  • 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.

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.

Complimentary Airport Lounge Access

  • 8 complimentary domestic lounge access each calendar year (2 in a quarter). 
  • To avail of the HDFC Mllennia credit card lounge access benefit, Rs. 25 will be charged for Mastercard Cards and immediately made void at the terminal for verification. 
  • For Visa/Diners Cards, Rs. 2 will be charged to your card account as a transaction for verification.

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 24 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. 
  • 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.
  • 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.
  • Foreign currency transactions: 3.5% of the transaction value. 
  • Dynamic currency conversion Markup Fee: 1% w.e.f 01..01.2023.
  • Goods and Services Tax (GST): Applicable on all fees, interest and charges. 
  • TDS on withdrawals above Rs. 1 Crore: 2%.

HDFC Millennia Credit Card Eligibility

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.

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.

View and improve your credit score - for free.

Know how good your score is

Get insights on how to improve it

Unlock offers as per your score

chart_15f235bf64.svg

The best offers from India’s most
trusted banks

Axis-Bank.webp
HDFC-Bank.png
SBI-Card.webp
IDFC.png

HDFC Bank Credit Card Rewards

Get exclusive rewards, offers, & cashback benefits. Compare & choose a best suited credit card as per your need and apply online!

HDFC Millennia Credit Card FAQs

Does the HDFC Millennia credit card have lounge access?

image

Yes. The card offers 8 Complimentary Domestic Lounge Access each calendar year (2 in a quarter). To avail of this benefit, Rs. 25 will be charged for Mastercard Cards and immediately made void at the terminal for verification. For Visa/Diners Cards, Rs.2 will be charged to your card account as a transaction for verification.

Is HDFC Bank's Millennial credit card good?

image

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.

What is the benefit of taking an HDFC Millennia card?

image
  • 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. 
  • Welcome benefit of 1000 CashPoints on payment of the joining membership fee.

Is the HDFC Millennia card lifetime free?

image

No, this card comes with 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.

What is the limit of HDFC Millennia cards?

image

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

Does the HDFC Millennia credit card offer any reward points?

image

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

Does the bank offer HDFC Millennia Debit Card as well?

image

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)

What are the benefits of HDFC Millennia Debit Card?

image

Following are the key HDFC Millennia debit card benefits:

  • Up to Rs. 4,800 cashback each year.
  • 5% cashback points on shopping through PayZapp and SmartBuy.
  • 2.5% cashback points on all online spends.
  • 1% cashback points on all offline spends as well as Wallet reloads.
  • 4 Complimentary Domestic Airport Lounge accesses annually
  • Accidental insurance cover of up to Rs. 10 lakhs