Explore Benefits of HDFC BankMillenniaCredit Card

HDFC Bank

Explore Millennia Credit Card

Basic Information

Welcome Benefits Welcome Benefit: Membership fee के बराबर Reward Points; ₹1,000 + applicable taxes की membership fee पर 1,000 Reward Points

Card Details Card Name: HDFC Bank Millennia Credit Card; Bank Name: HDFC Bank; Card Type: Cashback Credit Card; Network: Visa / Mastercard / RuPay (variant dependent)

Card Category Mid Premium

Payment Network visa, mastercard, rupay

Eligibility Nationality: Indian; Age: 21–40 years; Salaried: Net Monthly Income > ₹35,000; Self-employed: ITR > ₹6 lakh per annum

Rewards Program

Reward Points Reward Rate: 5% cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber & Zomato; Other eligible spends: 1%; Reward Value: 1 CashPoint = ₹1 statement cashback; Reward Expiry: 1 year

Cashback Cashback Rate: 5% on 10 selected merchants; 1% on other eligible spends; Cashback Limit: ₹1,000 per statement cycle for selected merchants; ₹1,000 per statement cycle for other eligible spends

Redemption Statement balance cashback at 1 CashPoint = ₹1; SmartBuy travel/rewards catalogue at 1 CashPoint = ₹0.30; Minimum redemption: 2,500 CashPoints; Redemption in multiples of ₹500

Milestone Rewards ₹1,000 gift voucher या 1 domestic airport lounge access on spends of ₹1,00,000 or more in each calendar quarter

Travel Benefits

Airport Lounge Milestone benefit: 1 domestic airport lounge access on ₹1,00,000 quarterly spend; Regular complimentary domestic lounge access: Not available from 1 December 2023

Shopping Benefits

Online Shopping 5% cashback on Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, Uber, BookMyShow, Sony LIV & Cult.fit

Brand Offers Up to 10% additional cashback via PayZapp Shop / SmartBuy on 200+ brands

Fuel Benefits

Fuel Savings 1% fuel surcharge waiver at all fuel stations in India; Minimum transaction: ₹400; Maximum transaction: ₹5,000; Maximum waiver: ₹250 per statement cycle

Dining & Entertainment

Dining 10% additional discount on Swiggy Dineout using coupon code HDFCCARDS

Daily Spending Benefits

Utility Bills Utility bill payments: No specific cashback benefit found

Insurance & Protection

Card Security Zero lost card liability on reporting the card loss immediately to HDFC Bank

Digital Features

Payments Contactless Payment (Tap & Pay); UPI on Credit Card: Not specifically mentioned

Banking Features Card Management through HDFC Bank MyCards; Interest-free credit period: Up to 50 days

Add-on Features

EMI Features Smart EMI: Big purchases can be converted into EMI after purchase

Fees & Charges

Joining Charges Joining Fee: ₹1,000 + applicable taxes

Annual Charges Annual Fee: ₹1,000 + applicable taxes; Annual Fee Waiver: पिछले वर्ष ₹1,00,000 या अधिक खर्च करने पर renewal fee waived

Customer Support

Service 24×7 customer support / lost-card reporting through HDFC Bank call centre

Performance & Ratings

Best Usage Best For: Online Shopping, Cashback, Everyday Spending, Fuel

Advantages 5% cashback on selected merchants; 1% cashback on other eligible spends; ₹1,00,000 annual spend fee waiver; Fuel surcharge waiver; SmartBuy / PayZapp offers

Limitations Regular domestic airport lounge access discontinued; Fuel, EMI, wallet, rent and government-related transactions excluded from cashback; Education payments through third-party apps do not earn Reward Points; Selected merchant cashback is subject to cycle limits

Instant Check Eligibility | Millennia Credit Card

Instant Check Eligibility

Frequently Asked Questions About Millennia Credit Card

What are the main benefits of the HDFC Bank Millennia Credit Card?

The HDFC Bank Millennia Credit Card is designed for customers who frequently shop online and make digital payments. It offers 5% cashback on eligible purchases from selected online merchants, including Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber and BookMyShow. Cardholders can also earn 1% cashback on eligible other retail transactions. Additional benefits include welcome rewards and quarterly spending milestones, subject to applicable terms and conditions.

How can I apply for an HDFC Millennia Credit Card online in India?

You can apply for an HDFC Millennia Credit Card online by visiting the Sum New Victory website and exploring the available HDFC Bank credit card options. Select the Millennia Credit Card, review its features and eligibility requirements, and proceed with the application process. You may need to provide your personal details, employment information, income details and complete the bank's verification process. Final approval depends on HDFC Bank's credit assessment.

What is the minimum salary required to qualify for an HDFC Millennia Credit Card?

The minimum income requirement for an HDFC Millennia Credit Card depends on the applicant's employment category and HDFC Bank's current eligibility policy. Salaried applicants should have a regular source of income, while self-employed applicants may need to provide income-related financial documents. The bank also considers credit history, existing financial obligations and repayment capacity before approving an application.

How much cashback can I earn with the HDFC Millennia Credit Card?

The HDFC Millennia Credit Card offers 5% cashback on eligible online transactions with selected merchants and 1% cashback on eligible other retail purchases. The selected 5% cashback merchants include Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber and others. Cashback is credited as CashPoints, with applicable monthly earning limits and exclusions. Customers should check the latest cashback terms before making purchases.

What is the joining fee and annual renewal fee of the HDFC Millennia Credit Card?

The HDFC Millennia Credit Card has a joining fee and annual renewal fee as specified in the bank's latest pricing schedule. The actual charges may depend on the card variant and applicable offers. Before applying, customers should check the joining fee, renewal fee, applicable taxes and annual fee waiver conditions to understand the total cost of maintaining the credit card.

Can I redeem HDFC Millennia Credit Card CashPoints directly as cashback?

Yes, HDFC Millennia Credit Card holders can redeem eligible accumulated CashPoints against their credit card statement balance. Under the applicable redemption terms, 1 CashPoint is equivalent to ₹1 for statement cashback redemption. Customers can use the available HDFC Bank redemption facility to request cashback, subject to minimum redemption requirements and other applicable conditions.

Is the HDFC Millennia Credit Card suitable for Amazon, Flipkart and online shopping?

Yes, the HDFC Millennia Credit Card can be a useful option for customers who regularly shop online. Eligible purchases on selected platforms, including Amazon, Flipkart and Myntra, qualify for 5% cashback under the applicable reward programme. Other eligible transactions may earn 1% cashback. However, cashback eligibility depends on transaction type, merchant classification and the bank's latest reward programme conditions.

Can a person with a low CIBIL score get an HDFC Millennia Credit Card?

Applicants with a low CIBIL score can submit a credit card application, but approval is not guaranteed. HDFC Bank evaluates several factors, including credit history, repayment behaviour, outstanding loans, income stability and existing credit obligations. A good credit score and timely repayment history can improve the chances of approval. Applicants should review their credit report and correct any errors before applying.

What documents are required to apply for an HDFC Millennia Credit Card?

To apply for an HDFC Millennia Credit Card, applicants may need to provide identity proof, address proof, PAN details and income-related documents, depending on the bank's verification requirements. Salaried individuals may be asked for salary slips or bank statements, while self-employed applicants may need income tax returns or other financial documents. Additional KYC verification may also be required.

Does the HDFC Millennia Credit Card offer complimentary airport lounge access?

Customers should not assume that the HDFC Millennia Credit Card includes complimentary domestic airport lounge access. Complimentary domestic lounge access was discontinued on this card effective 1 December 2023, according to HDFC Bank's published terms. Applicants should check the latest official card benefits before choosing Millennia based on travel-related privileges.

Who should choose the HDFC Bank Millennia Credit Card, and is it worth applying for?

The HDFC Bank Millennia Credit Card may be suitable for individuals who frequently shop online, order food, book entertainment services and prefer cashback instead of traditional reward programmes. It can provide value through eligible 5% and 1% cashback categories. Before applying, compare the annual fee, cashback limits, merchant exclusions and your regular spending habits to decide whether this card matches your financial needs.