HDFC Bank Millennia Credit Card

The HDFC Bank Millennia Credit Card, designed for the Gen-Y or millennials, offers attractive features with a focus on catering to the preferences of the ’90s kids. This credit card comes in three variants – Visa, MasterCard, and Diners Club, and falls under the category of basic credit cards with an annual fee of Rs. 1,000 (excluding taxes).

Specifically tailored for its target audience, HDFC Bank provides a generous 5% cashback on popular platforms such as Amazon, BookMyShow,, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, and Zomato. Additionally, a 1% cashback is offered on all other online and offline expenditures. The cashback is credited as CashPoints, providing flexibility for redemption against the card’s statement balance, flight/hotel reservations, or purchases from the HDFC product catalogue.

To further enhance the cardholder experience, the HDFC Millennia card includes enticing benefits such as valuable gift vouchers awarded for achieving quarterly spending milestones. The card also extends dining discounts of up to 20%, a fuel surcharge waiver, and welcomes users with exclusive benefits. Moreover, cardholders can enjoy a renewal fee waiver offer, adding to the overall appeal of this credit card.

Key Benefits of HDFC Bank Millennia Credit Card

  • Enjoy exclusive welcome benefits with the HDFC Millennia Credit Card, including the accumulation of 1,000 CashPoints. Avail a rewarding 1% cash back on all offline expenditures with a minimum spend of Rs. 100.
  • As you embrace the perks of this credit card, unlock gift vouchers valued at Rs. 1,000 for every Rs. 1 lakh spent in each calendar quarter. Additionally, kickstart your membership with a fantastic offer – a waiver of the first-year membership fees when you make transactions totaling Rs. 30,000 or more within the initial 90 days of acquiring the Millennia Credit Card.
  • The advantages don’t stop there. Achieve a renewal membership fee waiver by reaching a spending threshold of Rs. 1 lakh or more within the first year of owning the Millennia Credit Card. It’s our way of enhancing your experience and ensuring you reap the rewards from the very beginning.
Joining FeesRs.1,000 + tax
Annual FeesRs.1,000 + tax
Fuel Transaction Surcharge Transaction1% fuel surcharge waiver at all fuel stations across India*
Late payment feeLess 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 and 25,000 – Rs.800
Rs.25,000 to Rs.50,000 – Rs.1,100
Over Rs.50,000 – Rs.1,300

*Fees and charges will change as per HDFC bank policy, kindly refer to HDFC bank’s official website for updated charges.

Features and Benefits of HDFC Millennia Credit Card

  • Unlock the luxury of 8 complimentary domestic lounge accesses per calendar year, distributed conveniently with 2 accesses in each quarter, when you wield the power of the HDFC Millennia Credit Card.
  • Enjoy a seamless financial journey by spending Rs. 1 lakh in a year, securing an annual fee waiver of Rs. 1,000 on this credit card.
  • Experience savings on fuel with a 1% surcharge waiver for transactions ranging from Rs. 400 to Rs. 5,000, making your everyday expenditures more rewarding.
  • Indulge in a gastronomic adventure with discounts at premium restaurants across cities through the exclusive Good Food Trail Dining program, curated for our discerning cardholders.
  • Rest easy knowing you have Zero Liability Protection, an added benefit that safeguards you against unauthorized transactions when you embrace the HDFC Millennia Credit Card.
  • Seize control of your expenses with the SMART EMI option, an additional feature that enhances the financial flexibility offered by this exceptional credit card.

Eligibility & Document for HDFC Bank Millennia Credit Card

Read the article on for HDFC Bank Millennia Credit Card Eligibility & Document here.

How to apply for HDFC Bank Millennia Credit Card

You can apply online or offline for HDFC Bank Millennia Credit Card.

Online – Visit HDFC bank’s official website and apply for this credit card. Then you get the below screen, fill in the information and proceed further.

Offline – You can visit the nearest HDFC Bank branch along with all the necessary documents for the HDFC Bank Millennia Credit Card.


Is HDFC Millenia a good credit card?

HDFC Bank Millennia Credit Card is a cashback credit card with many benefits. With the Millennia credit card, you can earn 5% cashback on online spending like Flipkart, Amazon, BookMyShow, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, Zomato, etc

Is the Millennia card lifetime free?

No, it has annual charges of Rs. 1000 + taxes

Is the airport lounge free for HDFC millennia credit cards?

You get 8 complimentary domestic lounge access per calendar year (2 in a quarter)*

What is the cibil score required for HDFC Millennia credit card?

750 and above

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