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

HDFC Bank Millenia Credit Card (4.5)

Regular Best For: Cashback
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HDFC Bank has introduced the Millennia Credit Card, designed specifically for millennials' lives and ambitions. The card is full of incentives and features tailored to the digital-first generation. HDFC Millennia, a cashback credit card, gives Cash Points on all purchases made on multiple platforms like Amazon, Flipkart, and others. Along with the advantages of online transactions, this card offers 1% cash back on offline purchases, free lounge access, gift vouchers, and other perks.

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

1000 Cash Points (applicable only on payment of membership fee).

Fuel Surcharge

1% fuel surcharge waiver across all fuel stations in India.(on minimum transaction of ₹400 & maximum transaction of ₹5,000. Maximum waiver of ₹250 per statement cycle)

Lounge Access

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

  • Note
    • For Mastercard Cards, Rs.25 will be charged and immediately made void at the terminal for verification.
    • For Visa/Diners Cards, Rs.2 will be charged to the card account as a transaction for verification
Cashback Benefit
  • 5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato.
  • 1% cashback on all other spends (except Fuel) including EMI & Wallet transactions.
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.

Milestone Benefit

Spend ₹1 lakh or more in the preceding 12 months and get renewal membership fee waived off for next year.

Dining Benefit

Upto 20% discount on partner restaurants via Dineout.
 

Interest-Free Period

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

Fee and Charges

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

Charges

Joining Fee

₹ 1000

Annual Fee

₹ 1000

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 1000 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. No cashback or reward points on fuel transactions.
  3. There are limits in cashback offered on shopping after the first six months.
  4. Reward points are not earned in real-time. Instead, they are added in bulk at the beginning of each month.
  5. No reward points on rent payments and government transactions from 1st January 2023.
HDFC Bank Millenia 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 Millenia Credit Card Review

As previously stated, the HDFC Millennia Credit Card is best suited for those who frequently shop online on Amazon and Flipkart, those who prefer online spending in other categories, and those who can spend ₹1,00,000 in a quarter to qualify for the milestone offer, and those who travel within India regularly.

HDFC Bank Millennia is noted for providing various incentives and advantages, focusing on shopping and travel cashback. This card is one of the few on the market that provides domestic lounge access and travel benefits for a low annual fee.

For users who are new to the credit card world, the HDFC Millennia is an absolute must-have in their wallet. They can receive access to lounges, attractive rewards, and HDFC merchant incentives.

Overview

Best For Online shopping and cashback
Joining Fee ₹1000
Annual Fee ₹1000 (waived off on a spend of ₹1 Lakh the previous year)
Welcome Benefits 1000 Cash Points

 

Who should get 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 1st, 2023.

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

Points validity period: 2 years


How to apply for an HDFC Bank Millenia Credit Card?


HDFC Bank Credit Cards may be applied online at the bank's official website.
Users have to:
Step 1: Go to the HDFC Credit Cards page on the bank's official website.
Step 2: Click on the "Sign Up" button next to the Millennia Credit Card.
Step 3: Users will be taken to HDFC's credit card application website, where they must complete a form to submit their application.

HDFC Bank Millenia 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 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
HDFC Bank Credit Card News

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HDFC Bank Millenia Customer Reviews

Overall Rating

3.5

Based on 2 reviews

Rating Summary

5
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4
50%
3
50%
2
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1
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Review Analytics

Fees 0 votes

Interest Rate 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.
 

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