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
The HDFC Millennia Credit Card is a mid-tier cashback card from HDFC Bank that targets millennials and ...
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The HDFC Millennia Credit Card is a mid-tier cashback card from HDFC Bank that targets millennials and ...
The HDFC Millennia Credit Card is a mid-tier cashback card from HDFC Bank that targets millennials and Gen Z users who spend heavily on online lifestyle brands. With a joining fee of ₹1,000 and an annual fee of ₹1,000, the card sits in the upper-value segment of the Indian credit card market and competes against cards like the Axis ACE, ICICI Amazon Pay, and Standard Chartered Smart. It runs on the VISA network for broad acceptance.
The standout feature of the card is its 5% cashback on 10 leading lifestyle brands: Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, Uber, BookMyShow, Sony LIV, and Cult.fit. For a young digital user whose monthly spending is concentrated on these platforms, the cashback rate is one of the highest in the Indian market. Cashback is earned as reward points with 1 reward point = ₹1 redeemable as statement credit, making the rewards directly fungible against your monthly bill.
Beyond the 5% accelerated rate, the card earns 1% cashback on all other eligible spends and is supplemented by up to 10% additional cashback across 200+ brands via SmartBuy and PayZapp Shop. The quarterly milestone benefit rewards spending of ₹1,00,000 in each quarter with either a ₹1,000 gift voucher or 1 domestic airport lounge access voucher — giving cardholders flexibility based on how they prefer to use rewards.
Cashback redemption is capped at 3,000 reward points per calendar month, with a minimum of 500 points required for any redemption. The annual fee of ₹1,000 is waived if you spend ₹1,00,000 or more in a year, which works out to about ₹8,333 of average monthly spending. The welcome benefit consists of reward points equivalent to the membership fee paid, effectively offsetting the first-year cost.
View FAQ
Commonly Asked Questions
Q. Who issues the HDFC Millennia Credit Card?
A. The card is issued by HDFC Bank on the VISA network as part of its lifestyle credit card portfolio.
Q. What is the cashback rate on HDFC Millennia?
A. You earn 5% cashback on 10 partner brands and 1% cashback on all other eligible spends.
Q. Which brands offer 5% cashback?
A. Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, Uber, BookMyShow, Sony LIV, and Cult.fit.
Expert Review
The HDFC Millennia Credit Card is one of the most popular lifestyle-cashback cards in India, and its appeal is well-founded. The 5% cashback on 10 of the most-used lifestyle brands (Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, Uber, BookMyShow, Sony LIV, Cult.fit) covers nearly every category a millennial or Gen Z user spends on regularly. For an active user spending ₹20,000+ monthly across these brands, the card delivers ₹1,000+ of monthly cashback, comfortably outweighing the ₹1,180 annual fee.
What works in the card's favour is the strong 5% cashback rate on widely-used brands, the 1:1 reward point to rupee conversion (one of the best in the market), the welcome bonus that effectively offsets the joining fee, the easy ₹1 lakh annual fee waiver threshold, the SmartBuy/PayZapp bonus stacking that takes effective cashback up to 10% to 15% on select purchases, the quarterly milestone benefit offering a ₹1,000 voucher or lounge access on ₹1 lakh quarterly spend, and the 10% Swiggy Dineout discount.
Where the card falls short is the monthly redemption cap of 3,000 points (₹3,000), which limits utility for very high-spend users on partner brands. The wide exclusion list (rent, fuel, wallet loads, education, government, EMI) reduces the eligible spend base for cashback. The ₹99 plus GST redemption fee per request also makes small redemptions inefficient. The 3.5% forex markup and absence of unconditional lounge access (you need ₹1 lakh quarterly spending) also reduce the card's appeal for travel-focused users.
Net assessment: the HDFC Millennia Credit Card is a top pick for users in their twenties and thirties who concentrate their lifestyle spending on Amazon, Flipkart, Myntra, Swiggy, Zomato, and Uber. It is not the right choice for users with diversified spending outside the 10 partner brands, users with primary spending on rent, fuel, or education (all excluded), or users who travel internationally often. For those profiles, alternatives like the Axis ACE, IDFC FIRST Select, or HDFC Regalia Gold may deliver better-suited value.
Joining/Annual Fee
Joining Fees
₹1,180 ( ₹1000 + GST )
Annual Fees
₹1,180 ( ₹1000 + GST )
The HDFC Millennia Credit Card has a joining fee of ₹1,000 plus GST and an annual fee of ₹1,000 plus GS...
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The HDFC Millennia Credit Card has a joining fee of ₹1,000 plus GST and an annual fee of ₹1,000 plus GS...
The HDFC Millennia Credit Card has a joining fee of ₹1,000 plus GST and an annual fee of ₹1,000 plus GST from the second year. With 18% GST applied, the effective joining and annual cost works out to ₹1,180 each. These charges are reflected on the first monthly statement.
The joining fee is effectively offset by the welcome benefit: reward points equivalent to your membership fee paid (1,000 points worth ₹1,000) are credited upon payment. So your first-year net joining fee cost is approximately ₹180 (just the GST portion). The same offset applies on annual fee renewal — 1,000 points worth ₹1,000 are credited each year.
The annual fee is waived if you spend ₹1,00,000 or more in the previous card anniversary year. This works out to about ₹8,333 of average monthly spending. For active users on a lifestyle card, this threshold is comfortably achievable. Combined with the welcome reward points offset, the card delivers significant first-year value even at full cost.
View FAQ
Commonly Asked Questions
Q. What is the joining fee on HDFC Millennia?
A. The joining fee is ₹1,000 plus GST, offset by 1,000 reward points worth ₹1,000 credited as the welcome benefit.
Q. What is the annual fee?
A. The annual fee is ₹1,000 plus GST per year, starting from the second year of card holding.
Q. Can the annual fee be waived?
A. Yes. The annual fee is waived if you spend ₹1,00,000 or more in the previous card anniversary year.
Q. Is the joining fee refunded?
A. The joining fee is not refunded, but it is offset by 1,000 reward points worth ₹1,000 credited on payment of the fee.
Eligibility
Age
Criteria*
21-60 years
Salary
Criteria*
4LPA
Credit
Rating*
720+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
Yes
To apply for the HDFC Millennia Credit Card, you need to meet HDFC Bank's standard eligibility criteria...
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To apply for the HDFC Millennia Credit Card, you need to meet HDFC Bank's standard eligibility criteria...
To apply for the HDFC Millennia Credit Card, you need to meet HDFC Bank's standard eligibility criteria covering age, income, employment status, and credit profile. The income bar is positioned for the salaried middle-income segment, in line with the card's mid-tier positioning.
Both salaried and self-employed applicants must be between 21 and 60 years of age. Salaried applicants need a minimum annual income of ₹4 lakh, equivalent to ₹35,000 per month. Self-employed applicants need ₹6 lakh annually. HDFC Bank evaluates income through salary slips and Form 16 for salaried applicants, and through ITR and bank statements for self-employed individuals.
A credit score of 720 or higher is recommended for approval. The applicant must be an Indian resident with a valid permanent address in India. Existing customers of HDFC Bank with savings accounts, fixed deposits, home loans, or other credit products may receive pre-approved offers, which streamlines the application process and may extend instant card issuance through the HDFC NetBanking portal or MyCards app.
View FAQ
Commonly Asked Questions
Q. What is the minimum income required for HDFC Millennia?
A. Salaried applicants need ₹4 lakh annually, while self-employed applicants need ₹6 lakh annually.
Q. What is the age range for this card?
A. Applicants must be between 21 and 60 years of age, applicable to both salaried and self-employed individuals.
Q. What credit score is needed for approval?
A. A credit score of 720 or higher is recommended for approval on the HDFC Millennia Credit Card.
Q. Are existing HDFC customers eligible for instant approval?
A. Yes. Existing HDFC Bank customers with strong banking relationships may receive pre-approved offers with faster processing.
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)
The HDFC Millennia Credit Card combines accelerated lifestyle cashback with milestone benefits, partner...
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The HDFC Millennia Credit Card combines accelerated lifestyle cashback with milestone benefits, partner...
The HDFC Millennia Credit Card combines accelerated lifestyle cashback with milestone benefits, partner offers, and a flexible cashback redemption mode. Below are the key features.
5% cashback on 10 leading brands. You earn 5% cashback on spends at Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, Uber, BookMyShow, Sony LIV, and Cult.fit. The cashback is earned as reward points at the rate of 1 reward point = ₹1 statement credit. So a ₹2,000 Amazon order earns 100 reward points worth ₹100 cashback. For a user with ₹20,000 of monthly spending across these 10 brands, the monthly cashback is ₹1,000.
1% cashback on all other spends. All other eligible retail transactions earn 1% cashback as reward points. So a ₹5,000 dining bill at a non-partner restaurant earns 50 reward points worth ₹50. The 1% rate is in line with most cashback cards in the market.
Cashback redemption cap. Cashback redemption is capped at 3,000 reward points per calendar month, equivalent to ₹3,000. This means even if you accumulate more reward points in a single month (for example, from a high partner-brand spend), you can only redeem 3,000 points worth ₹3,000 against your statement that month. The minimum required for any redemption is 500 points.
SmartBuy and PayZapp bonus cashback. Up to 10% additional cashback is offered across 200+ brands via the SmartBuy portal and PayZapp Shop. So for purchases made through SmartBuy or PayZapp, you can stack the partner brand's offer (typically 5% to 10%) on top of the card's base 1% or 5% rate, taking effective cashback to 10% to 15% on select purchases.
Quarterly milestone benefit. On spending ₹1,00,000 or more in each calendar quarter, you receive a ₹1,000 gift voucher OR 1 complimentary domestic airport lounge access voucher. Over a year (4 quarters), this can mean ₹4,000 of additional voucher value or 4 lounge accesses. The benefit is mutually exclusive per quarter — you choose one.
Welcome benefit. Reward points equivalent to your membership fee amount are credited upon payment of the joining fee or annual fee. So on payment of ₹1,000 joining fee, you receive 1,000 reward points worth ₹1,000, effectively offsetting the joining fee through cashback. The same applies on annual fee renewal.
Swiggy Dineout discount. Get 10% additional discount on Swiggy Dineout bookings using coupon code HDFCCARDS. For users who book restaurant tables through Swiggy Dineout, this stacks on top of the regular partner discounts for higher total savings.
1% fuel surcharge waiver. A 1% fuel surcharge waiver applies on fuel transactions across India between ₹400 and ₹5,000, capped at ₹250 per statement cycle. Over a year, this provides up to ₹3,000 of fuel surcharge savings. Note that fuel transactions are excluded from cashback earning, but the surcharge waiver still applies.
Annual fee waiver at ₹1 lakh spends. The ₹1,000 annual fee is waived if you spend ₹1,00,000 or more in a year. This works out to ₹8,333 of average monthly spending, which is comfortably achievable for most active users on a lifestyle card. The threshold is among the more accessible fee-waiver criteria in this segment.
Wide exclusion list. Fuel, rent, government transactions, cash advances, outstanding payments, EMI spends, wallet loads, prepaid card loads, gift card and voucher purchases, education spends, and cancelled transactions are excluded from cashback. So a ₹25,000 rent payment, a ₹3,000 fuel transaction, or a ₹5,000 mobile wallet load earns zero cashback.
VISA network. The card runs on the VISA network, giving broad acceptance at 4 crore+ merchants globally and access to VISA-specific offers on dining, travel, and shopping at partner merchants in India and abroad.
Forex markup of 3.5%. The card charges 3.5% on foreign currency transactions, which is standard for non-travel cards. On a ₹50,000 international transaction, the markup is ₹1,750. For frequent international travel, the HDFC Regalia Gold (1% lower forex through specific partners) or a dedicated travel card would be more cost-effective.
Effective cashback for typical users. A user with ₹10,000 monthly spending across the 5% brands (₹500 cashback) plus ₹15,000 of other monthly spending (₹150 cashback) earns ₹650 of monthly cashback or ₹7,800 per year. Combined with quarterly milestone benefits worth ₹4,000, total annual value can reach ₹11,800 — well above the ₹1,000 annual fee.
View FAQ
Commonly Asked Questions
Q. What is the maximum monthly cashback on HDFC Millennia?
A. Cashback redemption is capped at 3,000 reward points per calendar month (₹3,000 statement credit).
Q. Is there a welcome bonus on this card?
A. Yes. You receive reward points equivalent to your membership fee on payment of joining or annual fee.
Q. Does HDFC Millennia offer lounge access?
A. Yes. 1 domestic airport lounge access voucher per quarter on spending ₹1,00,000 or more in that quarter (alternative to ₹1,000 gift voucher).
Q. How much can I redeem in a month?
A. You can redeem up to 3,000 reward points (₹3,000) per calendar month, with a minimum redemption of 500 points.
Q. Can I stack offers on SmartBuy?
A. Yes. You can stack up to 10% additional cashback via SmartBuy/PayZapp Shop on top of the card's base cashback rate at 200+ brands.
Q. What is the milestone benefit?
A. Spend ₹1,00,000 in a calendar quarter to get either a ₹1,000 gift voucher or 1 domestic airport lounge access voucher.
Q. Does the Swiggy 5% cashback include Swiggy Dineout?
A. The 5% accelerated cashback applies to Swiggy food delivery. Swiggy Dineout has a separate 10% discount via coupon code HDFCCARDS.
Milestone Benefits
Voucher Benefit(Worth ~ ₹4,000)
Spend ₹1,00,000 in 90 days
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
Reward points earned on the HDFC Millennia Credit Card can be redeemed through the HDFC Bank rewards po...
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Reward points earned on the HDFC Millennia Credit Card can be redeemed through the HDFC Bank rewards po...
Reward points earned on the HDFC Millennia Credit Card can be redeemed through the HDFC Bank rewards portal at offers.smartbuy.hdfcbank.com or via the MyCards app. The conversion rate is 1 reward point = ₹1 on direct redemption against statement credit. Redemption options include statement credit (cashback), gift vouchers, products from the catalogue, flight and hotel bookings via SmartBuy, and travel-related services.
The most efficient redemption is statement credit, which converts each reward point into ₹1 directly off your monthly bill. This is one of the better point-to-rupee conversion rates among Indian credit cards (most cards offer ₹0.20 to ₹0.25 per point). The minimum redemption is 500 points (₹500), and the maximum redeemable per calendar month is 3,000 points (₹3,000).
A redemption handling fee of ₹99 plus GST is charged per redemption request. For a 500-point redemption worth ₹500, the fee effectively reduces realised value to ₹383. For larger 3,000-point redemptions (₹3,000), the fee impact is much smaller (₹2,883 net after fee). The efficient strategy is to accumulate points and redeem in larger batches monthly. Points are typically valid for 24 months from accrual.
View FAQ
Commonly Asked Questions
Q. How do I redeem reward points on HDFC Millennia?
A. You can redeem reward points for statement credit, gift vouchers, flights/hotels via SmartBuy, or products through the HDFC rewards portal or MyCards app.
Q. What is the value of 1 reward point?
A. 1 reward point = ₹1 on direct redemption against statement credit, one of the best conversion rates among Indian credit cards.
Q. Is there a fee for redeeming reward points?
A. Yes. A redemption handling fee of ₹99 plus GST is charged per redemption request.
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
The HDFC Millennia Credit Card has a fairly typical exclusion list for a cashback card, with specific s...
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The HDFC Millennia Credit Card has a fairly typical exclusion list for a cashback card, with specific s...
The HDFC Millennia Credit Card has a fairly typical exclusion list for a cashback card, with specific spend categories excluded from reward earning. Understanding these exclusions helps you plan your spends so high-value transactions in excluded categories are routed through a different card.
The excluded categories from cashback earning include fuel spends, rent payment, government transactions, cash advances, outstanding payments, bank charges and fees, EMI spends, wallet loads, prepaid card loads, voucher purchases, education spends, and cancelled transactions. Some of these (cash advances, EMI spends, bank charges) are universally excluded; others like fuel, rent, education, and wallet loads are common cashback exclusions on lifestyle cards.
Rent payments through the card additionally attract a 1% transaction fee plus applicable GST. So a ₹25,000 rent payment costs you ₹250 plus 18% GST of ₹45, totalling ₹295, with no reward offset. Wallet loads to Paytm, PhonePe, Mobikwik, and similar wallets also earn zero rewards. Education spends — including school fees, college tuition, and Edu-tech subscriptions — do not earn cashback. For these categories, a card like the IDFC FIRST Wealth (rent earns rewards) or Axis ACE (utility bills) may be more suitable.
View FAQ
Commonly Asked Questions
Q. Are wallet loads rewarded on HDFC Millennia?
A. No. Wallet load transactions are excluded from cashback earning on the HDFC Millennia Credit Card.
Q. Do rent payments earn cashback?
A. No. Rent payments are excluded from cashback earning and additionally attract a 1% transaction fee plus GST.
Q. Are fuel transactions rewarded?
A. No. Fuel transactions do not earn cashback, but they qualify for the 1% fuel surcharge waiver up to ₹250 per statement cycle.
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 |
The fee structure on the HDFC Millennia Credit Card is positioned for a mid-tier lifestyle card with ₹1...
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The fee structure on the HDFC Millennia Credit Card is positioned for a mid-tier lifestyle card with ₹1...
The fee structure on the HDFC Millennia Credit Card is positioned for a mid-tier lifestyle card with ₹1,000 each in joining and annual fees. The standard transactional fees like cash advance, late payment, and forex markup are in line with industry norms. Understanding these charges is important to plan your spends and avoid avoidable costs.
The joining fee is ₹1,000 plus applicable GST, charged at the time of card issuance. With 18% GST applied, the effective joining fee is ₹1,180. The welcome benefit of 1,000 reward points worth ₹1,000 effectively offsets ₹1,000 of this fee, leaving the net first-year joining cost at approximately ₹180 (just the GST portion).
The annual fee is ₹1,000 plus GST per year, starting from the second year. With GST, the total comes to ₹1,180. The fee is waived if you spend ₹1,00,000 or more in the previous card anniversary year. The annual fee also triggers a welcome bonus of 1,000 reward points worth ₹1,000, partially offsetting the renewal cost.
The APR or monthly finance charge is 3.75% per month, which works out to roughly 45% per annum on revolving balances. For example, on an outstanding balance of ₹20,000 carried for one month, the interest charged would be ₹20,000 × 3.75% = ₹750 per month. The interest-free period for new purchases is 20 to 55 days, depending on the billing cycle.
Late payment charges are tiered based on the outstanding balance. For balances up to ₹100, no late fee is charged. For ₹101 to ₹500, the fee is ₹100. For ₹501 to ₹5,000, it is ₹400. For ₹5,001 to ₹20,000, it is ₹500. For balances above ₹20,000, the late fee is ₹700. So a ₹15,000 outstanding with missed due date attracts ₹500 plus interest at 3.75% per month.
The forex markup is 3.5% on all foreign currency transactions. For example, on a ₹50,000 international transaction, the markup is ₹1,750, plus 18% GST on the markup which is ₹315. The total forex cost on a ₹50,000 international swipe comes to ₹2,065.
The ATM cash withdrawal fee is 2.5% of the withdrawn amount, with a minimum of ₹500. So withdrawing ₹10,000 in cash will cost you ₹500 as the minimum fee, while withdrawing ₹30,000 will cost ₹750 (2.5% of ₹30,000). Cash advances also attract finance charges from the day of withdrawal at the standard 3.75% per month rate.
The rent payment fee is 1% of the transaction amount, subject to applicable GST and platform charges. For example, paying a rent of ₹25,000 through the card will cost ₹250 in fees plus 18% GST of ₹45, totalling ₹295. Rent payments also earn no cashback.
The railway booking surcharge is levied as prescribed by IRCTC and Indian Railways and varies based on the booking platform and class of travel. For example, on a ₹3,000 train ticket booked through IRCTC, the surcharge is typically ₹10 to ₹30 depending on the class.
Cash payment is not allowed on the HDFC Millennia Credit Card, so paying your card bill in cash at HDFC Bank branches is not an option. You must use UPI, NEFT, IMPS, NetBanking, auto-debit, or cheque to pay your monthly bill.
The cheque payment fee is ₹25 per cheque transaction. Cheque returns due to insufficient funds attract additional dishonour charges as per HDFC Bank's MITC.
The reward redemption handling fee is ₹99 plus GST per redemption request. So if you redeem 500 reward points worth ₹500, the redemption fee of ₹99 plus GST of ₹17.82 takes the effective realised value down to ₹383. For larger redemptions of 3,000 points worth ₹3,000, the fee impact is smaller (₹2,883 net).
| Fee Type | Charges |
|---|---|
| Joining Fee | ₹1,000 + GST |
| Annual Fee | ₹1,000 + GST |
| APR (Monthly) | 3.75% per month |
| Late Payment Fee | ₹0 to ₹700 (slab-based) |
| Forex Markup | 3.5% |
| ATM Cash Withdrawal | 2.5% (min ₹500) |
| Rent Payment Fee | 1% |
| Railway Surcharge | As per IRCTC / Indian Railways |
| Cash Payment | Not allowed |
| Cheque Payment Fee | ₹25 |
| Reward Redemption Fee | ₹99 + GST |
View FAQ
Commonly Asked Questions
Q. What is the APR on HDFC Millennia?
A. The APR is 3.75% per month, which works out to approximately 45% per year on revolving balances.
Q. What is the forex markup on this card?
A. The forex markup is 3.5% on all foreign currency transactions made with the card.
Q. Can I pay my bill in cash?
A. No. Cash payment is not allowed on the HDFC Millennia Credit Card. Use UPI, NEFT, NetBanking, or cheque.
Q. What is the late payment fee on HDFC Millennia?
A. Late payment fee ranges from ₹0 (on balances below ₹100) to ₹700 (on balances above ₹20,000) on a slab basis.
Q. Is reward redemption free?
A. No. A redemption handling fee of ₹99 plus GST is charged per redemption request.
Q. What is the cheque payment fee?
A. The cheque payment fee is ₹25 per cheque transaction on the HDFC Millennia Credit Card.
Documents Required
To apply for the HDFC Millennia Credit Card, you need to submit standard KYC, income, and address documents. HDFC Bank requires these documents to verify identity, residence, and income eligibility before issuing the card.
The required documents include identity proof such as Aadhaar Card, PAN Card, Voter ID, Driving Licence, or Passport. PAN Card is mandatory for all applications. Address proof options include Aadhaar Card, Passport, Driving Licence, latest utility bill not older than 3 months, or registered rental agreement. Income proof is mandatory and must include the latest 3 months salary slips and Form 16 for salaried applicants, or the latest 2 years ITR and bank statements for the last 6 months for self-employed applicants.
A recent passport-size photograph and a duly filled application form are required at the final stage. For online applications, the photograph can be uploaded directly through the application portal. Pre-approved customers may have a streamlined application process where some documents are waived. NRI applicants need to submit additional documents including valid visa, work permit, overseas address proof, and NRE or NRO bank statements.
View FAQ
Commonly Asked Questions
Q. Is PAN Card mandatory for HDFC Millennia application?
A. Yes. PAN Card is mandatory for all credit card applications including the HDFC Millennia Credit Card.
Q. What income proof is required?
A. Latest 3 months salary slips and Form 16 for salaried applicants, or the latest 2 years ITR for self-employed applicants.
Q. Can I submit a rental agreement as address proof?
A. Yes. A registered rental agreement is accepted as valid address proof for HDFC Millennia applications.
Who Should Get This Card?
The HDFC Millennia Credit Card is a strong fit for millennials and Gen Z users whose monthly spending is heavily concentrated on the 10 partner brands: Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, Uber, BookMyShow, Sony LIV, and Cult.fit. For a user spending ₹15,000 to ₹25,000 monthly across these brands, the card delivers ₹750 to ₹1,250 of monthly cashback, totalling ₹9,000 to ₹15,000 per year.
The card also works well for users who can hit the ₹1 lakh quarterly milestone (₹33,333 monthly spending) to unlock the ₹1,000 gift voucher or domestic lounge access per quarter. The flexibility of choosing between voucher and lounge per quarter makes the card adaptable to different user preferences. The 10% Swiggy Dineout discount and SmartBuy/PayZapp stacked offers further enhance utility for engaged users.
The card is less suitable for users with diversified spending across categories not covered by the 10 partner brands, users with primary spending on rent or fuel (both excluded), users who travel internationally frequently (3.5% forex markup), or users who prefer broad online shopping cashback regardless of platform. For these profiles, alternatives like the Axis ACE (broader cashback + lounge), SBI Cashback (any online platform 5%), or IDFC FIRST Wealth (rent rewards) may offer better-suited value.
Credit Limit and What to Expect
The credit limit on the HDFC Millennia Credit Card is determined by HDFC Bank based on the applicant's income, credit score, repayment history, existing credit obligations, and banking relationship. Since this is a mid-tier lifestyle card, credit limits typically start at ₹50,000 and can go up to ₹5,00,000 for applicants with strong income and credit profiles. HDFC Bank also offers credit limit enhancements after 6 to 12 months of disciplined usage.
You can view your assigned credit limit on the welcome letter sent with the card or check it through the MyCards app and HDFC NetBanking portal. The card also comes with a separate cash limit, typically 20% to 40% of the total credit limit, meant for ATM withdrawals. Cash withdrawals attract a 2.5% fee subject to a minimum of ₹500 and accrue interest from the day of withdrawal at the standard finance charge rate of 3.75% per month.
HDFC Bank may revise your credit limit periodically based on usage patterns, repayment behaviour, and income changes. You can also request a temporary credit limit increase ahead of a planned large purchase. A healthy credit utilisation practice is to keep usage below 30% to 40% of the assigned limit to protect your credit score.
View FAQ
Commonly Asked Questions
Q. What is the typical credit limit on HDFC Millennia?
A. Credit limits typically range from ₹50,000 to ₹5,00,000, depending on the applicant's income and credit profile.
Q. How can I check my credit limit?
A. You can check your credit limit through the MyCards app, HDFC NetBanking, or your monthly card statement.
Q. Can I request a credit limit increase?
A. Yes. You can request a credit limit enhancement after 6 to 12 months of disciplined card usage.
How to Apply?
You can apply for the HDFC Millennia Credit Card through the HDFC Bank website at hdfcbank.com, the HDFC NetBanking portal, the MyCards app, or by visiting an HDFC Bank branch. Online applications are typically faster, with most approved cards dispatched within 7 to 10 working days. Existing HDFC Bank customers may receive pre-approved offers extended through NetBanking or the MyCards app.
To apply online, visit the HDFC Bank credit cards section, locate the Millennia listing, and click on Apply Now. You will be asked to enter your basic details including name, mobile number, email address, PAN, date of birth, and employment type. After submitting your contact information, you will need to upload identity proof, address proof, income proof, and a recent passport-size photograph. HDFC Bank may conduct a video KYC step for online applications to verify the applicant's identity.
Once your application is submitted, the bank performs a credit bureau check, verifies your income documents, and may carry out a residence verification before approval. After approval, the card is dispatched to your registered address through courier within 7 to 10 working days. You can activate your card via the MyCards app, NetBanking, IVR, or by visiting a branch. The MyCards app gives you instant access to your card details for online use even before the physical card arrives.
View FAQ
Commonly Asked Questions
Q. How can I apply for HDFC Millennia online?
A. You can apply through the HDFC Bank website, NetBanking portal, MyCards app, or visit a branch.
Q. How long does it take to receive the card?
A. After approval, the card is dispatched within 7 to 10 working days to your registered address.
Q. Can existing HDFC customers get instant approval?
A. Yes. Pre-approved customers may get instant card issuance through NetBanking or MyCards app with same-day virtual card access.
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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
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