Summary
The HDFC Millennia Credit Card is aimed at young spenders who shop regularly online and would like to earn cash back on their purchases. It provides cashback of 5% on popular online platforms, such as Amazon, Flipkart, Myntra, Swiggy, and Zomato, making it highly rewarding for digital shoppers. For other expenditures on online platforms and offline transactions, users earn 1% cash back, or 1X Reward Points.
The main advantage of this card is the access to airport lounges, wherein users get 4 free domestic lounge visits per year (one per quarter). It also gives a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, saving extra costs at fuel stations.
The card allows contactless payment. Users do not need a PIN for payment for purchases made up to ₹5,000. As an added incentive, if a customer spends ₹1 lakh in any quarter, there is a benefit of a ₹1,000 gift voucher to him.
Introduction
Credit cards in this digital world, rather than only being a finance tool, have turned out to be a smart tool for spending and saving. Millennia Credit Card is the first step. The card was designed specifically for all the ones who can make the best out of the online shopping experience, digital transactions, and then the rewards of HDFC.
One of the most exciting features of the Millennia Credit Card is the reward point system that gives you rewards on every purchase you make. Especially when shopping online or performing transactions, the HDFC Millennia Credit Card lets you gain additional reward points. Be it buying from online stores such as Flipkart, Amazon, or Myntra, the Millennia Credit Card lets you have cash back and rewards for every single purchase.
Apart from this, Millennia Credit Card is a very convenient option if you travel. Features like airport lounge access, easy EMI options, and low annual fee make the HDFC Millennia Credit Card even better. For those who want comfort and facilities during travel, the Millennia Credit Card can make your every trip more comfortable and beneficial.
In today’s article, we will discuss in detail about Millennia Credit Card. In which we will tell you in detail about its benefits. Along with this, we will also discuss the fees of Millennia Credit Card in this article and will also discuss in detail how to apply for it. So read this article till the end so that you do not have any problems later.
What is the HDFC Millennia Credit Card?
The Millennia Credit Card is a premium credit card designed especially for those customers who shop, travel, or make digital transactions frequently. HDFC offers rewards and cash back on every single transaction with excellent benefits on any of the very popular e-commerce sites like Flipkart, Amazon, and Myntra.
This card offers benefits such as free access to airport lounges, the flexibility to convert EMI transactions, and a low annual fee, which rewards everyday purchases. For people looking to maximize rewards while saving on expenses, the Millennia Credit Card is the perfect choice.
How is the design of the HDFC Millennia Credit Card?
It has a sleek and modern look. Being black or dark-themed, it gives a premium look most of the time. Overall, the card is neat with a transparent layout from which HDFC Bank and “Millennia” branding can be seen.
The contactless payment symbol is also visible, thus making it easy for consumers to accept tap-and-pay transactions. Overall, its design is simple yet elegant, making it look attractive in your wallet.
What are the benefits of the HDFC Millennia Credit Card?
Here are the key advantages of real reward points:
1. Cashback on Spending:
- 5% Cashback (5X Reward Points) on spending at Amazon, Flipkart, Myntra, Swiggy, Zomato, and more.
- At any given instance, if you spend ₹10,000 on Amazon, you will get ₹500 cashback in the form of reward points.
- 1% Cashback (1X Reward Points) on other online and offline spends.
- If you spend ₹5,000 at a local shop, ₹50 will be treated as cashback.
2. Airport Lounge Access:
- 4 Free access to Domestic lounge per year i.e. (1 per quarter).
3. Fuel Surcharge Waiver
- 1% fuel surcharge waived on transactions up to ₹5,000 and above ₹400 (max. waiver: ₹250 per cycle of statement).
4. Contactless Payments:
- Just tap on POS machines with your card and make a quick payment of up to ₹5,000 without a PIN.
5. Milestone Benefits:
- Spend ₹1 lac in a quarter and get a gift voucher for ₹1,000.
What are the fees for the HDFC Millennia Credit Card?
Here is a simple breakup of the Credit Card fees.
Joining Fee | ₹999 + GST (one-time fee when you get the card). |
Annual Fee | ₹999 = GST per year. This will be waived if you spend 1,00,000 or more in a year. |
Add-on Card Fee | There are no charges for additional cards for family members. |
Finance Charges | 3.5% per month (43% annually) on the outstanding balance if you don’t pay your bill in full. |
Cash Advance Fee | 2.5% of the amount withdrawn or ₹500, whichever is higher. |
Late Payment Fee | For Statement Balance Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000 |
What are the criteria for getting an HDFC Millennia Credit Card?
The following are the primary requirements:
- To apply for the Millennia Credit Card, you must be between 18 and 70 years old.
- The income requirement differs according to your employment status:
- Self-Employed Professionals: A minimum Annual income of Rs 2 lakhs usually does the job.
- A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.
- Your credit score plays a role in the selection process. It is a tendency for HDFC Bank to favor borrowers with a better credit score usually above 750.
- You must be an Indian resident and have valid address proof within the country.
- A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.
- A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.
What documents are required to get an HDFC Millennia Credit Card?
The documents that you will have to submit to get a Millennia Credit Card are as below:
Identity Proof | Aadhaar card, Passport, Voter ID, Driving license, PAN card |
Address Proof | Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 monthsITR for self-employed persons |
Income Proof | Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 months for self-employed persons |
Photograph | The latest passport-sized photograph |
Where can the HDFC Millennia Credit Card be used?
Here is the list of places where you can use it:
- With the HDFC Millennia Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.
- You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.
- You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.
- You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.
- You can use your credit card to pay electricity and water bills, mobile bills, and internet services.
- You can use your Millennia Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).
- The Millennia Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.
What is the credit limit of the HDFC Millennia Credit Card?
The credit amount you can spend is what you are provided with a Millennia Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.
For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.
The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.
It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit then penalties get added, and your credit score also goes down.
How do you apply for an HDFC Millennia Credit Card?
Apply it through both these modes:
Online Application Process
- Visit the official website of the HDFC Bank, i.e.
- Go to ‘Cards’, followed by ‘Credit Cards’.
- On that page, you can see numerous options for credit cards issued by HDFC Bank; for instance, you can choose the HDFC Millennia Credit Card.
- Just hover your cursor on the HDFC Millennia Credit Card, followed by selecting ‘Apply Now’ from there.
- You will be asked to fill out your details including your name, contact information, income details, and employment status.
- Be accurate and updated with the information provided.
- You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.
- After filling out the details and uploading the documents, review your application to make sure everything is correct.
- Apply online through the application form.
- The bank will check your application after submitting it. They can ask for extra documents or information if required.
- You will be informed about the status of your application, and if approved, your card will be delivered to you.
Offline Application Process
- You can walk into the nearest HDFC Bank branch to apply for the Millennia Credit Card.
- Request for the credit card application form of the Millennia Credit Card. They will provide you with the form and proceed accordingly.
- Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.
- Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.
- Your application will be processed, and your information will be cross-checked at the bank level.
- In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.
- You will receive the Millennia Credit Card by post at the same postal address.
- Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the HDFC Bank Card website, or mobile app or by calling their customer service.
- For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.
Would getting an HDFC Millennia Credit Card in 2025 be right?
Yes, getting an HDFC Millennia Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility.
HDFC Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.
Conclusion
Millennia Credit Card is a better option for those who want to get more benefits and rewards with their daily expenses and online shopping. The specialty of Millennia Credit Card is that it not only allows you to save money through cashback and reward points but also meets your travel needs, such as airport lounge access and convenient EMI options, etc. Through this, you can easily track your expenses and make financial management smarter.
Apart from this, the reward structure that comes with the Millennia Credit Card makes it even more special. Especially if you shop on major e-commerce platforms like Flipkart, Amazon, and Myntra or order regularly from services like Zomato and Swiggy, then the HDFC Millennia Credit Card will prove to be great for you. Its annual fee waiver facility makes it even more economical, especially when you spend more than the prescribed limit.
Millennia Credit Card is also more reliable in terms of security. A strong fraud protection system for cardholders and reliable customer service from HDFC Bank make it even more useful. Millennia Credit Card not only gives you convenience in everyday expenses but also proves to be beneficial in the long run as it helps in improving your credit score and better financial management.
Frequently Asked Questions (FAQ’s)
Ans: Cashback on HDFC Millennia Credit Card is provided on online shopping and other purchases. You are given 5% cashback on Flipkart, Amazon, and other such e-commerce website purchases, whereas 1% cashback on other expenses is available.
Ans: You can redeem your reward points through HDFC Bank’s net banking or mobile banking. These points can be used to book your flights, buy shopping vouchers, and much more attractive offers.
Ans: You can convert large expenses made with HDFC Millennia Credit Card into easy monthly installments (EMIs). HDFC Bank gives you the option of paying at low interest rates with flexible EMI tenure.
Ans: Yes, you can use HDFC Millennia Credit Card for international transactions as well. There is a fee of 3.5% for foreign exchange transactions.
Ans: Apply HDFC Millennia Credit Card either online through the HDFC Bank website or by visiting any branch of HDFC Bank.