The HDFC Millennia Credit Card is designed for young professionals and digital-savvy shoppers who frequently spend online and seek high cashback rewards. It offers competitive benefits such as 5% cashback on popular platforms like Amazon, Flipkart, and Zomato, making it one of the best cashback credit cards in India.
🏆 Key Highlights of HDFC Millennia Credit Card
| Feature | Details |
|---|---|
| Annual Fee | ₹1,000 + GST (Reversed on spending ₹1 lakh/year) |
| Cashback Rate | Up to 5% |
| Welcome Benefit | ₹1,000 worth of gift vouchers |
| Fuel Surcharge Waiver | 1% on transactions ₹400–₹5,000 |
| Interest-Free Period | Up to 50 days |
| Reward Validity | Valid for 2 years |
| Best For | Online shopping, food delivery, travel bookings |
🎁 HDFC Millennia Credit Card Benefits
🔹 1. Cashback Offers
Earn cashback directly credited to your statement:
- 5% cashback on:
- Amazon
- Flipkart
- Myntra
- Swiggy / Zomato
- Tata CLiQ
- 1% cashback on other online and offline spends (minimum transaction of ₹100)
💡 Monthly cashback cap:
- 5% category: ₹1,000/month
- Other spends: ₹500/month
🔹 2. Welcome Benefits
Get gift vouchers worth ₹1,000 from leading brands like Amazon or Flipkart on spending ₹30,000 within 90 days of card issuance.
🔹 3. Milestone Benefits
- Spend ₹1 lakh or more in an anniversary year and get the annual fee waived.
🔹 4. Lounge Access
- 8 complimentary domestic airport lounge visits per calendar year (max 2/quarter)
🔹 5. Fuel Surcharge Waiver
- Get 1% fuel surcharge waiver on fuel spends of ₹400 to ₹5,000 (max ₹250/month)
💳 Fees & Charges For HDFC Millennia Credit Card
| Charge | Amount |
|---|---|
| Joining Fee | ₹1,000 + GST |
| Annual Fee (2nd year onwards) | ₹1,000 + GST (Waived on ₹1 lakh/year spend) |
| Interest Rate | 3.6% per month (43.2% per annum) |
| Late Payment Charges | ₹100 to ₹1,300 (based on balance) |
| Cash Advance Fee | 2.5% or ₹500 (whichever is higher) |
✅ Eligibility Criteria
| Criteria | Requirement |
|---|---|
| Age (Salaried) | 21 to 60 years |
| Income (Salaried) | Minimum ₹35,000/month |
| Age (Self-employed) | 21 to 65 years |
| Credit Score | 700+ preferred |
📄 Documents Required
- PAN card (mandatory)
- Aadhaar Card / Address proof
- Latest salary slip / ITR
- Passport-size photograph
📝 How to Apply for HDFC Millennia Credit Card
🔹 Online Application (Recommended)
- Click on “Apply Now”
- Fill in personal and income details
- Upload necessary documents
- Submit and track your application status
📊 Comparison with Similar Cards
| Card | Cashback Rate | Annual Fee | Lounge Access |
|---|---|---|---|
| HDFC Millennia | Up to 5% | ₹1,000 | 8/year |
| SBI Cashback Card | 5% on online | ₹999 | No |
| Axis Ace Credit Card | 5% on Google Pay, 2% others | ₹499 | 4/year |
| ICICI Amazon Pay Card | Up to 5% (Prime) | ₹0 | No |
🧠 Final Verdict: Is It Worth It?
If you are a frequent online shopper who loves cashback and values lounge access, the HDFC Millennia Credit Card is a strong contender. With 5% cashback on major e-commerce platforms and an easy annual fee waiver, it suits both salaried and self-employed professionals.
✅ Best For: Millennials, digital natives, and those spending heavily on Amazon, Flipkart, or food delivery platforms.
📌 FAQs – HDFC Millennia Credit Card
1. Is the HDFC Millennia Card lifetime free?
No, it has an annual fee of ₹1,000, which can be waived on spending ₹1 lakh in a year.
2. How do I redeem cashback?
Cashback is credited to your statement after each billing cycle. Open HDFC Net Banking or Mobile Banking>> Cards >> Select you HDFC Millennia Card >> Scroll Down Tap on Redeem Reward Points. Now You Can Redeem your Reward Points in 1:1 Ratio In Cash
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