HDFC Bank Millenia Credit Card - Features, Benefits, Fees & Charges

HDFC Bank Millennia Credit Card (4.5)

Regular Best For: Cashback
From
Powered By
44

This card is not just for millennials but for the GenZs too! How? It offers a 5% cashback on your favourite platforms like Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato, and also a cashback of 1% on all other online and offline spends! The best part? It comes with a joining and annual fee of just ₹1,000, which is waived if you spend ₹1,00,000 or more in a year. Want to know more? Check out the review below! 👇

Features and Benefits

Aspects that make spending using this card lit as the sun!

Welcome Bonus
Travel
Fuel
Rewards
Shopping
Cashback
Dining
Insurance
Interest
Lounge
Welcome Bonus

1,000 Cash Points applicable only on payment of membership fee.

Fuel Surcharge

Get a 1% waiver on fuel surcharge across all fuel stations in India with a minimum transaction of ₹400 and maximum transaction of ₹5,000. The maximum waiver per statement cycle is ₹250.

Cashback Benefit
  • 5% cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato.
  • 1% cashback on all online and offline spending, including EMI & wallet transactions except fuel.
Lounge Access

8 free visits to domestic lounges each year (2 in a quarter)

Note

  • For Mastercard Cards, ₹25 will be charged and immediately made void at the terminal for verification.
  • For Visa/Diners Cards, ₹2 will be charged to the card account as a transaction for verification
Travel Benefit

5% cashback on flights and hotel reservations made with the card. The maximum cashback monthly is ₹1,000 for the first six months and ₹750 after that.

Zero Lost Card Liability

In the event of a loss of this card, if informed immediately to the HDFC Bank call centre, any fraudulent transactions made on the card will not be held liable to the card owner.

Revolving Credit

At a small charge of 3.6% a month, HDFC Bank Millenia Credit Card provides its customers with a revolving credit benefit.

EMI Benefit

This card allows the user to convert big spends to EMIs after purchases with a flexible tenure option.

Interest-Free Period

Up to 50 days of interest-free period on your HDFC Bank Millennia Credit Card from the date of purchase.

Dining Benefit

Up to 20% discount on partner restaurants via Swiggy Dineout.
 

Fee and Charges

Think of these as small investments to keep your credit card running smoothly.

Charges

Joining Fee

₹1,000

Annual Fee

₹1,000

Annual Percentage Rate

43.2%

Add-on Card Fee

Free

Minimum Repayment Amount

5%

Cash Withdrawal Fee

2.50%

Cash Advance Limit

40%

Card Replacement Fee

₹100

Foreign Transaction Fee

3.50%

Over Limit Penalty

2.50%

Fuel Transaction Surcharge

2.50%

Reward Point Value

₹1
Late Payment Charges

Balance below ₹100

₹ 0

Balance from ₹100 to ₹500

₹ 100

Balance from ₹501 to ₹5000

₹ 500

Balance from ₹5001 to ₹10000

₹ 600

Balance from ₹10001 to ₹25000

₹ 800

Balance from ₹25001 to ₹50000

₹ 1100

Balance more than ₹50000

₹ 1300
Pros

Aspects that make this credit card amazing.

  1. Users can earn points for each purchase they make.
  2. One can earn up to 5% cashback on cinema tickets and 1% cashback on anything else.
  3. Joining fee of this card is easily recovered in the 1,000 Cash Point given as a welcome benefit.
  4. Points are offered on wallet loads.
Cons

Aspects this credit card lacks.

  1. No benefits are provided in terms of Cash Points or otherwise on renewal of the card.
  2. There are limits in cashback offered on shopping after the first six months.
  3. Reward points are not earned in real-time. Instead, they are added in bulk at the beginning of each month.
  4. No reward points on rent payments, fuel and government transactions.
  5. The 5% cashback category is limited to specific merchants. For cashback on all purchases, you can consider SBI Cashback Credit Card.
HDFC Bank Millennia Rating & Reviews

This is the truth, the whole truth, and nothing but the truth; brought to you by the other users.

Charges

(3)

Rewards

(3.5)

Customer Service

(3)

HDFC Bank Millennia Credit Card Review

If you're an avid online shopper on Amazon, Flipkart, or Myntra, love to spend online, and frequently travel within India, the HDFC Millennia Credit Card will be the ideal card for you. It offers amazing incentives and benefits, focusing on shopping and travel cashback. Plus, it's one of the few cards in the market that provides domestic lounge access and travel perks for a low annual fee. 

For those new to the credit card scene, the HDFC Millennia is a must-have in your wallet! You can enjoy access to lounges, attractive rewards, and HDFC merchant incentives. And if you can spend ₹1,00,000 in a quarter, you'll qualify for the annual fee waiver.

However, if you want to earn cashback beyond the selected merchants, you can consider exploring other credit cards. Here are some alternatives:

Overview

Best For Online shopping and cashback
Joining Fee ₹1,000
Annual Fee ₹1,000 (waived off on a spend of ₹1 lakh the previous year)
Welcome Benefits 1,000 Cash Points

Who should get an HDFC Bank Millennia Credit Card?

As the name implies, the HDFC Millennia card is one for young professionals looking to start their credit adventure and create a good credit profile. With its target clients in mind, HDFC Bank provides additional perks while buying on partner websites like Amazon and Flipkart.

If a user purchases online often, particularly with the firms with whom HDFC Bank has partnered, they should consider acquiring this card. Furthermore, the yearly charge is inexpensive and may be waived with annual spending of ₹1,00,000 only, which is an additional benefit.

It is vital to note that the HDFC Millennia Card does not provide direct cashback; instead, users will earn Cash Points, which may be redeemed for statement credit in a 1:1 ratio. Though it has no bearing on the value of the advantages, users may evaluate their selections if redeeming reward points is a task.

Reward Points 

Reward point redemption for hotel and flight bookings will be capped at 50,000 per calendar month as of January 1, 2023.

Reward point redemption for cashback is capped at 3,000 reward points each calendar month starting on February 1, 2023.

Type Cash Point Value
Flights and Hotels 1 ₹0.30
Other Purchases 1 ₹1

How to apply for an HDFC Bank Millennia Credit Card?

To apply for HDFC Millennia Credit Card, follow the below steps:

Step 1: Visit select.finology.in and click on the 'Credit Card' tab.
Step 2: Click on Card Issuers, where you will see a list of banks that issue credit cards.
Step 3: Choose 'HDFC Bank' from the list.
Step 4: Choose 'HDFC Millennia Credit Card' and click on the 'Apply Now' button.
Step 5: Provide the required consent, and then you will be redirected to a page where you need to fill in your mobile number and PAN card number.
Step 6: Fill in the credit card application form and attach the documents required.

HDFC Bank Millennia Credit Card Eligibility

  • Age: 21 to 40 years
  • Occupation: Salaried or Self Employed
  • Income: Salaried - ₹35,000 p.m., Self-Employed: ITR > ₹6.0 Lakhs p.a.
  • Resident: Indian

Documents Required

  • Proof of identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
  • Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government approved address proof.
  • Proof of Income: Latest one or two salary slips (not more than 3 months old), latest Form 16, and the last 3 months’ bank statement.
HDFC Bank Cards Issued & Spends

Keep an eye on the credit card's monthly performance through the number of cards issued and the cumulative transaction value!

Bank name:

HDFC Bank

HDFC Bank Credit Card Customer Care Number:

1800 202 6161 / 1860 267 6161

HDFC Bank Card Offers:

View Offers

Total Cards:

1,98,78,068
HDFC Bank Credit Card News
08 Feb 2024, Thursday
1. HDFC Bank launched a new range of business credit cards specifically for SMEs

The cards come in four variants - BizFirst, BizGrow, BizPower, and BizBlack - and offer benefits like interest-free credit periods, rewards on business spend, and insurance coverage.

  1. BizFirst: Entry-level card with 55 days interest-free period, 3% cashback on EMI spends, 2% on utilities & electronics, 1% on other spends. 
  2. BizGrow: Offers higher 5% cashback on business spends like GST, income tax, vendor payments, travel, business tools, and 1% on other spends. 
  3. BizPower: Premium card with 5X reward points on fuel spending, accelerated rewards on travel, dining, and utilities, and airport lounge access. 
  4. BizBlack: Flagship card with maximum rewards on all categories, complimentary airport lounge access, travel insurance, and other premium benefits. 
31 Oct 2023, Tuesday
2. Effective 1 December 2023, HDFC Bank will limit lounge access for Regalia Credit Card holders.

Starting from 1 December, the lounge access program will be tied to one's credit card spending. To avail of the lounge benefits, a credit card user must spend Rs. 1 lakh or more in a single calendar quarter, i.e., January-March, April-June, July-September, October-December. Only two complimentary lounge access vouchers will be available per quarter as part of the milestone benefit for users.

19 Oct 2023, Thursday
3. HDFC introduces enhanced Diners Club Metal Edition Credit Card

HDFC Bank has introduced the upgraded HDFC Diners Club Metal Edition Credit Card, setting it apart from the previous HDFC Diners Club Black Credit Card. The key differentiators between the two cards are as follows:

  • Annual Fee Waiver: The metal edition requires cardholders to spend 8 lakhs annually to enjoy an annual fee waiver, whereas the plastic card's threshold is 5 lakhs in annual spends.
  • Welcome Benefit: The new Metal Edition card offers a Swiggy One annual membership as a welcome benefit, replacing the earlier Forbes and MMT Black offerings. In contrast, the plastic card provided a 3-month Swiggy One membership, alongside Forbes and MMT Black.
  • Milestone Benefit: The Metal Edition introduces a new milestone benefit, granting cardholders 10,000 Bonus Reward Points on a quarterly basis. However, it no longer features the old benefits amongst cult.fit Live 1 month membership/ BookMyShow /TataCLiQ /Ola cabs vouchers worth Rs. 500

This revamped credit card caters to the evolving preferences and spending patterns of customers, providing additional perks and benefits.

24 Aug 2023, Thursday
4. HDFC Bank partners with Marriott Bonvoy to launch India's first 'hotel co-branded card'.

HDFC Bank and Marriott International have launched a co-branded credit card in India, called the Marriott Bonvoy HDFC Bank Diners Club International Credit Card. The card is the first hotel co-branded credit card in India. It offers a number of benefits to cardholders, including:

  • Complimentary Marriott Silver Elite Status
  • Up to 4 free night awards
  • Accelerated Marriott Bonvoy points earning on travel, dining, and entertainment
  • Airport lounge access
  • Travel insurance
05 Jul 2023, Wednesday
5. Swiggy to launch co-branded credit card with HDFC Bank.

Swiggy is reportedly teaming up with HDFC Bank to introduce a co-branded credit card. By doing so, Swiggy would join the increasing number of e-commerce platforms like Flipkart, Myntra, and Paytm, which have already launched their own co-branded credit cards.
Swiggy's strategic decision to venture into the co-branded credit card space is aimed at strengthening customer loyalty and involvement by offering supplementary advantages and incentives through the card.

HDFC Bank Millennia Customer Reviews

Overall Rating

3.5

Based on 2 reviews

Rating Summary

5
0%
4
50%
3
50%
2
0%
1
0%

Review Analytics

Fees 0 votes

Interest Rate 0 votes

Rewards 0 votes

Benefits 0 votes

Customer Service 0 votes

Frequently Asked Questions

Step 1: Choose the “Credit Card” tab on the HDFC Bank website.
Step 2: Choose "Get My Credit Card" from the menu.
Step 3: Fill in the necessary information.
Step 4: Pick the card of your choice (Millennia Credit Card). 
Step 5: Submit your application and supporting paperwork.
 

The HDFC Millennia Credit Card's notable features include 5% Cashback on select retailers like Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, and Zomato, as well as Rs 1,000 worth of gift cards on purchases of at least Rs 1,000,00 in each calendar quarter. Dineout partners with restaurants and offers up to a 20% discount. This card also waives the fuel surcharge.

This credit card's available balance is entirely determined by your income and CIBIL Score and has no set limit. HDFC Bank routinely increases the credit limit based on your usage and repayment history. So, having a healthy credit utilisation percentage and a solid repayment history is essential. You will receive a high credit limit on this credit card if you have a CIBIL Score of 750 or higher and an income of Rs 35,000 monthly.
 

The Millennia Credit Card is available to people with a gross monthly income greater than Rs 35,000 a month.

The majority of credit cards technically have an annual fee. But, if you use your card frequently and meet the minimum expenditure, these fees are waived. Likewise, if the bank determines you're a credit-worthy customer, they might give you a lifetime free credit card with no initiation or yearly fees.

A premium dining membership called Dineout Passport offers:
1. Minimum 25% off at 2000+ restaurants in 20 Indian cities, including chain restaurants and 500+ five-star hotels.
2. Access to 200+ upscale restaurants' 1+1 on buffet deal. 
3. Dineout Pay has no convenience fees for bill payments. 
4. Access to exclusive events. 
5. Extra Discounts for Holders of HDFC Bank Cards.
 

Similar Credit Cards

Amazon Pay ICICI Bank (4.7) Full Details

Co-Branded
Best For : Cashback
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹1

Joining Fee

Free

Annual Fee

Free

Annual Percentage Rate

42%

Axis Bank Ace (4.6) Full Details

Regular
Best For : Cashback
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

NA

Joining Fee

₹499

Annual Fee

₹499

Annual Percentage Rate

52.86%

Standard Chartered Smart (4.3) Full Details

Cashback
Best For : Cashback
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

NA

Joining Fee

₹499

Annual Fee

₹499

Annual Percentage Rate

45%

Myntra Kotak (4.3) Full Details

Co-Branded
Best For : Cashback
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

NA

Joining Fee

₹500

Annual Fee

₹500

Annual Percentage Rate

44.4%

Standard Chartered Super Value Titanium (4.3) Full Details

Regular
Best For : Cashback
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹0.25

Joining Fee

₹750

Annual Fee

₹750

Annual Percentage Rate

45%