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    HDFC Bank

    HDFC Millennia Credit Card

    cat name Cashback
    cat name Online Shopping
    3.5/5.0

    Cashback3.5/5

    Welcome Benefits3.0/5

    Milestone Benefits3.0/5

    Rewards Flexibility3.5/5

    Know More
    Paisabazaar Review

    1st Year Fee: ₹1,000* Plus Applicable Taxes

    Cashback

    Cashback

    5% cashback on popular everyday brands

    Cashpoints

    Cashpoints

    1,000 bonus points on card activation

    Dining

    Dining

    Up to 20% off on partner restaurants

    Updated on January 21, 2025 11:05 am

    Author: Megha Khanna

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    About The CardCashback BenefitsOther Features & BenefitsSavings CalculatorFees & ChargesThings to KnowCard ReviewFAQs

    About HDFC Bank Millennia Credit Card

    If you are a millennial, this card will most likely fit with your spending patterns. The card offers 5% cashback on popular everyday brands, such as Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, and Zomato. The best part is that there is no minimum transaction value requirement for earning the 5% cashback benefit. Additionally, for an entry-level credit card, it offers good redemption options. Card users can redeem the accumulated reward points against airmiles, hotel and flight bookings at the Unified SmartBuy portal, product catalog and can earn a value of 1:1 against cashback redemption.

    However, despite being a cashback credit card, it offers cash points instead of direct cashback. The cash points function the same as rewards points offered on a rewards credit card.

    Cashback Benefits1

    • 5% cashback on popular everyday brands- Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato: 1,000 cash points per statement cycle
    • 1% cashback on all other spends; 1,000 cash points per statement cycle
    • For redemption against statement balance 2,3 , value of 1 reward point = Rs. 1
    • For redemption against Unified SmartBuy 4,5  (Flight/Hotels Bookings), value of 1 reward point = Re. 0.30
    • For redemption against Product Catalog 6 , value of 1 reward point = Up to Re. 0.30
    • For redemption against Airmiles, value of 1 reward point = 0.30 air miles

    Suggested Read: Best credit cards in India 2025

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    Image of null

    Other Features and Benefits

    • 1,000 bonus cash points on payment of the joining fee
    • Annual fee waiver on spending Rs. 1 Lakh a year
    • Up to 20% savings on dining bill via Swiggy Dineout
    • 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 5,000., capped at Rs. 250 per statement cycle
    • On spending Rs. 1 Lakh in a quarter: Either avail 1 complimentary lounge access OR a voucher worth Rs. 1,000 from the list of associated brands

    Also Read: International Lounge Access Credit Cards

    Savings Calculator

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    Spend Rewards₹0

    Milestone Benefits₹0

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    ₹1,000 Plus Applicable Taxes

    NA

    ₹1,000 Plus Applicable Taxes

    Waived off on Rs. 1 lakh annual spends

    Need Help understanding?

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    HDFC Millennia Credit Card: Fees & Charges

    Fee Type Amount
    Joining Fee Rs. 1,000
    Annual Fee Rs. 1,000 (Waived off on spending Rs. 1 lakh in the previous year)
    Finance Charges 3.75% p.m. | 45% p.a.
    Late Payment Charges
    For outstanding balance:
    Up to Rs. 100 Nil
    Rs. 101 to Rs. 500 Rs. 100
    Rs. 501 to Rs. 1,000 Rs. 500
    Rs. 1,001 to Rs. 5,000 Rs. 600
    Rs. 5,001 to Rs. 10,000 Rs. 750
    Rs. 10,001 to Rs. 25,000 Rs. 900
    Rs. 25,001 to Rs. 50,000 Rs. 1,100
    More than Rs. 50,000 Rs. 1,300

    Things to Know Before you apply

    Get this card if:

    Most of your spends are online

    You have multiple brand preferences

    You would be able to spend Rs. 1 Lakh every quarter to utilize the milestone benefits

    Eligibility Requirements:

    Age: Min 21 yrs & Max 40 Yrs

    Income for salaried: Net Monthly Income> Rs. 35,000

    Income for self-employed: ITR > Rs. 6 Lakhs per annum

    Paisabazaar Review

    Overall Rating

    3.5/5

    Cashback3.5/5

    Welcome Benefits3.0/5

    Milestone Benefits3.0/5

    Rewards Flexibility3.5/5

    What do we like about this card?

    Though the card charges a comparatively higher fee than most entry-level cards, HDFC Millennia stands out as a worthy count in this list. Many other cards offer co-branded benefits with multiple brands, but the actual value back there is too low. In comparison, HDFC Millennia offers multiple redemption options with value as good as 1:1. Additionally, the number of associated brands on the card are too good to be true i.e. 10.

    Pros

    • Up to 5% cashback on major lifestyle-related online spends
    • Bonus points worth the joining fee on activation
    • Multiple redemption options with redemption value of up to 1:1
    • Annual fee waiver condition is quite easily achievable

    Cons

    • Monthly capping on cashback earning
    • Low cashback rate for non-accelerated category
    • Exclusion of major everyday spends like utilities and rent from cashback earning
    • Lounge access benefit is optional and spend-based

    Conclusion

    Though the card excels due to its multiple brand benefits and great redemption options, the benefits on the card can be utilized only to a certain threshold and not beyond that. Both accelerated (5%) and non-accelerated (1%) categories come with a reward capping of 1,000 points each, every month. That way, users spending a value beyond Rs. 20,000 collectively on all 10 brands can earn only 1000 points in a month. Though the value is decent for moderate spenders, heavy spenders might be slightly disappointed. But, this is compensated well via quarterly milestone benefits offered on the card. If utilized well, the card can be a good option for those who majorly spend around the partnered brands and can utilize the 1:1 redemption.

    Frequently Asked Questions

    Everything you need to know about this credit card

    HDFC Bank allows you to have two different HDFC Credit Cards in very rare cases, as in general, it does not allow the same. If you are keen to avail HDFC Millennia Credit Card, you can put forth a card upgrade request. For more details, you can contact the HDFC Bank Customer Care.

    You can apply for this credit card through online as well as offline modes. You can apply online by visiting the official website of the bank. If you want to apply offline, you can visit the nearest branch of the bank to fill out the application form. You can also apply for HDFC Millennia Credit card, with Paisabazaar.

    The credit limit is decided by the bank after scrutinizing your application. The bank considers various factors like credit score, repayment capacity, income and more while deciding your credit limit. You will get to know your credit limit only after applying for the credit card.

    To be eligible for any credit card, you should be employed in your current organization for at least 6 months. Also, the minimum income requirement to apply for this credit card is Rs. 35,000 per month. However, if you have a salary account with HDFC Bank, the eligibility criteria may be relaxed.

    As soon as you notice the loss of your card, you should inform the bank by calling on the customer care number. The bank representative will immediately block your credit card to prevent it from any fraud. Additionally, you can also report the loss of your credit card through the official website of the bank.

    The cash advance fee charged on HDFC Millennia Credit Card is 2.5% of the withdrawn amount or Rs. 500 (whichever is higher). Therefore, you should not withdraw cash using your credit card as it comes with additional charges.

    You can see all the available offers on your credit card by logging in to the HDFC net banking. All you need to do is log in to the net banking portal and click on the ‘Offers’ section. Under this section, you’ll be able to see all the available offers on your credit card.

    You can check the status of your credit card through the official website of the bank. You need to click on ‘Credit Card’ under the ‘Products’ tab and then click on the ‘Track your Credit Card Application Status’ option. Enter the asked details and the status of your application will be shown on the screen.

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    Footnotes

    1. Exclusions: Fuel spends, Rent Payments & Government Related Transactions, Cash Advances, Payment of Outstanding Balance, Payment of card fees and other charges, Smart EMI & Dial-an-EMI transactions
    2. For redemption against the statement balance, the minimum cash point balance requirement is 500 cash points.
    3. Cashback reward points redemption against the statement balance is capped at 3,000 cash points per calendar month, as applicable from 1st February 2023.
    4. For flights and hotel redemption, you can redeem up to a maximum of 50% of the booking value through a cash point. You will have to pay the remaining transaction amount with a credit card.
    5. Reward points redemption for flights & hotel bookings are capped at 50,000 per calendar month, as applicable from 1st January 2023.
    6. You can redeem up to 70% of the product/voucher value via cash points on select products/vouchers. The rest is to be paid with a credit card, as applicable from 1st February 2023.
    7. All accumulated cash points have an expiry date of 2 years from the date of accumulation.

    Click here to know More Terms and Conditions

    Megha Khanna linkedIn icon

    Content Writer

    Megha is an experienced writer with a specialization in credit cards and personal finance. With a keen eye for detail and a passion for helping readers make informed financial choices, she creates engaging content that demystifies the complexities of credit cards, from rewards and benefits to interest rates and fees.

    10 Comments

    Nikhil
    May 7, 2024

    I spend 117000 online on lenovo site how much cash point I will earn

    Reply
    Team PaisaBazaar
    May 8, 2024

    The card spends made on the Lenovo website fall under the 1% cashback category. So, you can earn 1,170 Cash Points on your purchase, but since the cashback earning is limited to up to 1,000 Cash Points per month, you will accrue 1,000 Cash Points in that month, instead of 1,170. In addition to this, you will also be eligible for the milestone benefit of either gift voucher worth Rs. 1,000 or 1 complimentary airport lounge access for that calendar quarter and annual fee waiver for the next year even if you do not make any other card spend that year.

    Suresh Kumar
    September 2, 2023

    Please confirm millennia credit card limit.

    Reply
    Team PaisaBazaar
    September 19, 2023

    Credit card limit is based on your monthly income, credit history and score, current loans or credit cards and other similar factors. And it is not possible to predict the credit limit that will be assigned to you. So, you can know your credit limit only when you get your credit card after your application is accepted.

    PRINCE KURMI
    August 26, 2023

    Mujhe millennia credit card ka sakht jarurat hai

    Reply
    Team PaisaBazaar
    August 29, 2023

    Please visit this link- https://www.paisabazaar.com/cards/
    Fill out your details to check whether you are eligible for this card. If yes, you can continue with the application. If you are not eligible, you may check other similar credit cards and apply for the one that best suits your needs.

    avant
    July 4, 2023

    how to earn cashback 5%
    just by directly using the card to make payment on amazon or by any discount code??

    Reply
    Team PaisaBazaar
    August 29, 2023

    5% cashback will be applicable on all Amazon spends; no discount code is needed.
    The cashback will be credited in your card account in the subsequent month of making the transaction.

    Amit Kumar Sharma
    July 2, 2023

    Good evening miss,
    I have a question regarding hdfc millenia credit card
    The maximum cash points earned 1000 in a month
    is in a Callender cycle or in a credit cards statement cycle

    Reply
    Team PaisaBazaar
    August 29, 2023

    Maximum cash point threshold is for a statement cycle.

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