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HDFC Bank Millennia Credit Card

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HDFC Millennia Credit Card

HDFC Millennia is an online credit card that offers a lot of benefits to millennials because they are frequently shopping online. This is one of the best credit cards for shopping online. It offers up to 5% cash back on online transactions and 1% cashback on all other spends.

HDFC Millennia Credit Card

If you’re looking for a premium card that offers perks worth splurging on, the HDFC Regalia Credit Card is the right choice for you.

  • Card Type: Mid-level
  • Best Suited for: Cashback and Online Shopping
  • Joining Fee: Rs. 1,000
  • Renewal Fee:  Rs. 1,000 (Waived off on spending Rs. 1 lakh in the previous year)
  • Reward Points Validity: 2 Year
  • 1 REWARDS POINT: 0.30 RS
  • Best feature: ₹1000 worth gift vouchers on spends of ₹1,00,000 and above in each calendar quarter.

HDFC Millennia Credit Card: Features and benefits

  • The HDFC Millennia Credit Card is one of the most well-known credit cards in India, which offers a wide range of benefits. Some important features it has include discounts on shopping at various brands like Amazon, Flipkart and others.

    The following are the welcome benefits you can earn when joining:

    1000 Reward Points on Joining 

    • You will earn 1,000 Cash Points once you have paid the membership fee. 
    • Gift vouchers worth Rs. 1000 for every Rs. 1 lakh spent in each calendar quarter 

    Get up to 5% cashback on multiple brands

    • Points will be given in the form of Cash Points, which can only be redeemed against your statement balance on request.
    • The minimum required balance for redeeming your Cash Points is only 500 Cash Points. 
    • Here’s how cash points work: It costs 1 Cash Point to redeem benefits with SmartBuy Rewards Portal, for example a flight or hotel booking or rewards catalogue. 

    Other Benefits

    Annual bonus rewards

    Rs 1000 worth gift vouchers on spends of Rs 1,00,000 and above in each calendar quarter

    Complimentary domestic lounge

    8 Complimentary Domestic Lounge Access per calendar year (2 in a quarter. Rs 2 or Rs 25 (depending upon VISA/RuPay/Diners or MasterCard) will be charged to the Credit Card for the Lounge Access )             

HDFC Millennia Credit Card: Fees & Charges

  • The HDFC Millenia credit card has the following fees and charges such as:

      • Joining Fee: Rs. 1,000 
      • Renewal fee:  1000/+18% GST SRB based (>50k) used  within  3 month
    • Finance Charges: 3.6% p.m. (43.2% p.a.)
    • Late Payment Charges for statement balance:
    • Less than Rs. 100: Nil
    • Rs. 100 to Rs. 500: Rs. 100
    • Rs. 501 to Rs. 5,000: Rs. 500
    • Rs. 5,001 to Rs. 10,000: Rs. 600
    • Rs. 10,001 to Rs. 25,000: Rs. 800
    • Rs. 25,001 to Rs. 50,000: Rs. 1,100
    • More than Rs. 50,000: Rs. 1,300

HDFC Millennia Credit Card: Eligibility & Documentation

The applicant must fulfil the below eligibility criteria to apply credit card:

    • Occupation: Salaried or Self-employed
    • Minimum Income for Salaried Applicants: Rs. 35,000 p.m.
    • Minimum Income for Self-employed Applicants: ITR > Rs. 6 lakh p.a.
  • Documents required: 
  • Pan Card
  • Current address proof; Aadhar card, Voter ID card, Driving licence.
  • Latest card statement
  • 6 Month vintage proof (six month old card user)

Why must you get this credit card?


The HDFC Millennia Credit Card offers a variety of benefits to its users. One such benefit is the airport lounge access offered by this card, as well as cashback and rewards on online purchases.HDFC Millennia Credit Card offers cashback and rewards on your online purchases, as well as complimentary airport lounge access for its users. If you shop frequently online, it is definitely a good option because the annual fee waiver can be used effectively (if you spend Rs. 1 lakh in a year). 

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