HDFC
HDFC Millennia Credit Card
This is an invite only card
Apply and get ₹1100 Rewards
Top Benefits
Earn 5% cashback on Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, Uber, BookMyShow, Sony LIV and Cult.fit
cashback is in reward points redeemable against statement balance (1 point = ₹1)
Get 10% Additional Discount on Swiggy Dineout
using coupon code HDFCCARDS
Best For
Shopping
Dining
Joining / Annual Fee
Joining Fees
₹1,180 ( ₹1000 + GST )
Annual Fees
₹1,180 ( ₹1000 + GST )
Eligibility
Age
Criteria*
21-60 years
Salary
Criteria*
4LPA
Credit
Rating*
720+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
Yes
See if you are eligible for this card
All Card Benefits
- 5% cashback on leading brands — Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, Uber, BookMyShow, Sony LIV, and Cult.fit
- Cashback is earned as reward points (1 reward point = ₹1 as statement credit)
- 1% cashback on all other spends
- Cashback redemption capped at 3,000 reward points per calendar month (minimum 500 points required for redemption)
- Up to 10% additional cashback across 200+ brands via SmartBuy/PayZapp Shop
- ₹1,000 gift voucher on spending ₹1,00,000 or more in each calendar quarter (alternatively, choose 1 domestic lounge access)
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 Reward Point = ₹1
Redemption Options
- Flights & Hotels
- Products & Vouchers
- Statement Credit (CashBack)
To check redemption catalogue
Gift card - Key Terms
Once you apply, we will start tracking your application
Generally takes 2-72 hrs
Once the bank confirms us of your successful card activation, we will process your rewards
Generally takes 7-75 days
You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards
Generally takes 7-75 days
Note: If you currently hold or have ever held an HDFC Credit Card, you are not eligible for CashKaro Rewards.
Rewards Related
- If you currently hold or have ever held an HDFC Credit Card, you are not eligible for Gift Card
- A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
- Please use Aadhaar linked mobile number to fill the application
- If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
- VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards
Also, Remember
- Resume your application only via Great.Cards to avoid losing Rewards
- If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
- Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Fuel Spends
Rent Payment
Government Transactions
Cash Advances
Outstanding Payment
Bank Charges & Fees
EMI Spends
Wallet Loads
Prepaid Card Loads
Voucher Purchases
Education Spends
Cancelled Transactions
For Spends Waiver
Fuel Spends
Rent Payment
Wallet Loads
Prepaid Card Loads
Gift Card Loads
Voucher Purchases
Cash Advances
EMI Spends
Interest Charges
Bank Charges & Fees
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. | 3.50% |
APR Fees 3.75% monthly interest rate applies on the outstanding balance if the full amount due is not paid by the statement due date. The interest-free period is 20 to 55 days for new purchases. | 3.75% |
ATM withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card, subject to a minimum of ₹500. | 2.50% |
Reward Redemption Fees A reward redemption handling fee of ₹50 plus applicable GST is charged per redemption request. | ₹50 |
Link for all T&Cs | Click Here |
Railway Surcharge Railway ticket bookings made using this card attract a surcharge of 1% of the transaction amount plus applicable GST, as charged by Indian Railways / payment gateway | 1% |
Rent Payment Fees 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges | 1% |
Cheque Payment Fees A fee of ₹50 is charged for payments made by cheque. | ₹50 |
Cash Payment Fees A fee of ₹250 is charged for payments made by depositing cash at a bank branch or ATM. | ₹250 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹100 | ₹0 |
| ₹101 - ₹500 | ₹100 |
| ₹501 - ₹5000 | ₹500 |
| ₹5001 - ₹10000 | ₹600 |
| ₹10001 - ₹25000 | ₹800 |
| ₹25001 - and above | ₹1300 |
That’s the full story of this credit card
Like this card? Your apply button’s just there.
Top Benefits
Apply and get ₹1100 Rewards
Top Benefits
Earn 5% cashback on Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, Uber, BookMyShow, Sony LIV and Cult.fit
cashback is in reward points redeemable against statement balance (1 point = ₹1)
Get 10% Additional Discount on Swiggy Dineout
using coupon code HDFCCARDS
The smartest way to find your great credit card
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We value your time and privacy. Your details stay secure and are used only to help you.