HDFC Millennia Credit Card by HDFC Bank — Credit Card Image
HDFC Bank Review Verified: 2026-08-12

HDFC Millennia Credit Card

4.3 / 5.0 Rating
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#best-for-everyday #best-for-millennials
Overview Perks & Milestones Fees & Interest Insurance Eligibility FAQs Compare

Fees

₹1,000 + Taxes

Joining & Annual

Reward Rate

5% cashback on Amazon, Flipkart, Myntra, Swiggy, Zomato & more; 2.5% all other online; 1% offline

Welcome Bonus

₹1,000 cashback on spending ₹1,000+ in first 90 days

Lounge Access

1 Visit/Qtr (₹1L Spend)

FindMyCard Expert Take

HDFC Millennia rewards the spending pattern most urban shoppers already have: Amazon, Flipkart, Swiggy, Zomato and BookMyShow all earn 5% cashback. The included lounge access is unusual at this fee level, though waiving the ₹1,000 fee needs ₹1 lakh in spend per quarter, worth checking against your actual usage before applying.

Pros & Cons

Key Advantages

  • 5% cashback across 10 popular online platforms
  • Covers Amazon, Flipkart, Myntra, Swiggy, Zomato, BookMyShow & more
  • 2.5% cashback on all other online transactions
  • 1 domestic lounge visit (or ₹1,000 gift voucher) per quarter on ₹1L spend
  • Straightforward cashback, credited directly as statement credit

Limitations

  • Only 1% cashback on offline/in-store purchases
  • 5% cashback capped at ₹750/month (₹9,000/year)
  • ₹1,000 annual fee (consistent spend needed for waiver)
  • Cashback credited quarterly, not immediately

Editorial Verdict

The HDFC Millennia Credit Card is ideally suited for urban millennials & online spenders. If you want 5% cashback on amazon, flipkart, myntra, swiggy, zomato & more; 2.5% all other online; 1% offline, this card delivers real value. The ₹1,000 + taxes is easily offset by the card's perks if you use it regularly. You'll generally need Good (720+), Salaried ₹35,000/month or ITR ₹6 Lakh/annum credit to be approved.

Key Perks & Spending Milestones

5% cashback on Amazon, Flipkart, Myntra, BookMyShow, Cult.fit, Swiggy, Sony LIV, Tata CLiQ, Uber & Zomato

2.5% cashback on all other online spends

1% cashback on all offline spends and wallet loads

8 complimentary domestic airport lounge visits/year (via Dreamfolks) (Requires ₹60,000 spend in preceding quarter)

₹1,000 cashback welcome bonus on ₹1,000+ spends within 90 days

1% fuel surcharge waiver on transactions ₹400–₹5,000

EMI on purchases above ₹10,000

Contactless payment enabled

🚀 Milestone Spends Timeline

1
Milestone Level 1

₹1,000 cashback on first ₹1,000+ spend within 90 days of issuance

2
Milestone Level 2

Annual fee waived on ₹1 Lakh spends per quarter (any quarter)

Fees & Charging Rates

Annual Fee Waivers

₹1,000 + Taxes

💡 Annual fee waived on ₹1 Lakh quarterly spends (₹4 Lakh annually)

Regular Interest Charges

3.6% per month (43.2% per annum)

Credit Score & Income Required: Good (720+), Salaried ₹35,000/month or ITR ₹6 Lakh/annum

📅 Late Payment Fee Penalty Tiers

Nil for balance up to ₹500; ₹500 for ₹501-₹5,000; ₹750 for ₹5,001-₹10,000; ₹1,100 for balance above ₹10,000.

Insurance & Protection Benefits

Comprehensive travel insurance & lost card liability cover up to ₹1,000,000

Eligibility Criteria

salaried minimum income

₹35,000 per month

self employed ITR

₹6 Lakh per annum

age

21 to 60 years

Frequently Asked Questions

How do I redeem CashPoints earned on the HDFC Millennia Credit Card?
CashPoints are credited to your account at the end of each statement cycle and are valid for 2 years. You can redeem a minimum of 500 CashPoints against your statement balance (1 CashPoint = ₹1, capped at 3,000 points/month, ₹50 redemption fee) via HDFC NetBanking, PhoneBanking, or a physical redemption form. Redeeming via SmartBuy for flights and hotels values each CashPoint lower, at ₹0.30.
Can I withdraw cash using the HDFC Millennia Credit Card?
Yes, but it's an expensive option. Cash withdrawals attract a cash advance fee of 2.5% of the amount withdrawn (minimum ₹500), and interest starts accruing immediately from the withdrawal date, unlike regular purchases which get an interest-free period. It's best used only in genuine emergencies.
How can I increase my HDFC Millennia Credit Card limit?
Request a limit enhancement through HDFC NetBanking (Cards > Request > Credit Limit Enhancement), by SMS ('CCACL' followed by the last 4 digits of your card, sent to 5676712), or via customer care. There's no fee for the request, but approval depends on your usage, repayment history, and income — HDFC may ask for updated income proof or ITR.
Is the HDFC Millennia Credit Card good for beginners?
Yes — it doesn't require the extensive credit history that premium cards look for, carries a low ₹1,000 fee that's easy to waive, and rewards spending on everyday apps like Amazon, Flipkart, and Swiggy that most first-time cardholders already use. It's one of the more accessible cashback cards in HDFC's lineup.
Does the HDFC Millennia Credit Card charge a fee on foreign currency transactions?
Yes. International transactions carry a 3.5% forex markup fee, plus 18% GST on that markup, which works out to roughly 4.13% overall. This applies whenever a transaction is billed in a foreign currency, whether you're abroad or shopping on an international website — a dedicated forex or travel card will usually be cheaper for frequent overseas spending.

Compare HDFC Millennia Credit Card With Similar Cards

Card Annual Fee Reward Rate Lounge Access Rating
HDFC Millennia Credit Card This Card ₹1,000 + Taxes 5% cashback on Amazon, Flipkart, Myntra, Swiggy, Zomato & more;... 1 Visit/Qtr (₹1L Spend) 4.3/5
Cashback SBI Credit Card ₹999 + Taxes 5% cashback on online spends; 1% cashback on offline spends No Lounge Access 4.7/5
Flipkart Axis Bank Credit Card ₹500 + Taxes 7.5% cashback on Myntra (capped ₹4,000/quarter); 5% on Flipkart &... No Lounge Access (Discontinued Jun 2025) 4.5/5
ICICI Amazon Pay Credit Card Free 5% on Amazon (Prime members); 3% (non-Prime); 2% on Amazon Pay... No Lounge Access 4.5/5

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