By: OurMoneyGuide || Last updated on: July 16, 2024

The HDFC Bank Millennia Credit Card is one of the most popular cashback cards in India.

With this versatile credit card, shoppers can receive great bargains and sizable savings on products from renowned e-commerce platforms like Amazon & Flipkart, and also other well-known partners like Myntra, Tata Cliq, Zomato, Swiggy etc.

Customers also get other benefits like milestone benefits, fuel surcharge waivers, and attractive dining promotions.

Brief Summary

Our Rating

4.0 / 5

Best for those who like to shop & spend online, at popular online marketplaces like Amazon & Flipkart, and also Myntra, Tata Cliq, Zomato, Swiggy, Uber, BookMyShow, Sony LIV and You get 5% cashback at these well-known merchants, though this 5% special cashback is given only on total monthly purchases upto ₹20,000 across these merchants.

You also get upto 1% additional benefit at quarterly card spend of ₹1 lakh, through the milestone program.

The annual spend target of ₹1 lakh to get an annual fee waiver (from 2nd year onwards) is not very high. Moreover the 1st year annual fee is covered by the welcome offer worth ₹1,000.

Pros & Cons of HDFC Bank Millennia Credit Card


  • 5% cashback at important and relevant merchants including Amazon, Flipkart, etc – catering to your shopping, entertainment and other needs
  • Attractive annual free related offers – while the first year annual fee is covered by joining benefits, the credit card is virtually free if you spend ₹1 lakh or more in a year.


  • Not a good credit card for those who do not like to spend online, and like in-store shopping and spending
  • 5% cashback is restricted to certain partners, and is restricted to monthly spend limit of ₹20,000 to earn this special cashback

Features & Benefits of the HDFC Bank Millennia Credit Card

5% special cashback at select partners – Amazon, Flipkart || Myntra, Tata CLiQ || Swiggy, Zomato || BookMyShow, Sony LIV ||, Uber – on total purchases upto ₹20,000 per month

You earn 5 CashPoints worth ₹5, on every ₹100 you spend at these partners. This benefit is applicable only on purchases upto ₹20,000 per month, since you can earn a maximum of 1000 CashPoints per month at this special rate. 

Please note that 5% cashback is valid only for non-EMI spends at these partners. EMI transactions & wallet loads at these partners will earn 1% basic cashback.

1 CashPoint = ₹1, and can be redeemed for cashback against your credit card statement. CashPoints are valid for 2 years. CashPoints are available for redemption on your credit card account in the first week of every month, for all transactions settled in the previous month. The minimum CashPoint balance required for redemption is 500 CashPoints. Reward points redemption for cashback redemption are capped to 3000 rewards points per calendar month.

CashPoints can also be redeemed against travel benefits and rewards product catalogue at the rate of 1 CashPoint = ₹0.30. But this is a much lower value compared to 1 CashPoint = ₹1, when you redeem CashPoints for cashback.

1% basic cashback on all other card spends – on purchases upto ₹1 lakh per month

You earn ₹1 CashPoint worth ₹1, on every ₹100 you spend on all other cards purchases. This benefit is applicable only on purchases upto ₹1 lakh per month, since the monthly limit on earning CashPoints at this special rate is 1000 CashPoints.

Exceptions : No cashback is given on the following card spends - fuel, rent, government transactions, post facto EMI transactions (Smart EMI, Dial an EMI). Merchant EMI transactions, wallet loads, gift card/prepaid card & voucher purchases earn 1% cashback

1 CashPoint = ₹1, and can be redeemed for cashback against your credit card statement. CashPoints are valid for 2 years. CashPoints are available for redemption on your credit card account in the first week of every month, for all transactions settled in the previous month. The minimum CashPoint balance required for redemption is 500 CashPoints.

For full list of terms and conditions, please click here – HDFC Millenia Terms & Conditions

Upto 1% additional benefit at quarterly card spend of ₹1 lakh (milestone benefit) 

At quarterly card spend of ₹1 lakh: You get gift vouchers (of different brands) worth ₹1000, OR a Dreamsfolks lounge access voucher. 

You can choose any one of these 2 options, on reaching ₹1 lakh quarterly card spend.

HDFC Swiggy Dineout Program : Dining discounts at restaurants through Swiggy Dineout, upto ₹500 per month

  • 7.50% discount on restaurant transactions between ₹2000 and ₹3333 (maximum discount of ₹250 per transaction, minimum transaction amount of ₹2000). On transactions above ₹3333, your discount percentage will fall below 7.50%. On transactions below ₹2000, no discount is given.
  • Offer valid 2 times per month
  • Payments need to be made through the Swiggy app

For more details, including how to avail the offer, please click here – HDFC Swiggy Dineout Dining Program.

1% fuel surcharge waiver, upto ₹250 per month

You get 1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹5000 only. And on fuel purchases upto ₹25,000 per month, since the maximum waiver is restricted to ₹250 per monthly card statement cycle.

Upto 10% cashback on travel, shopping and more – through HDFC Smartbuy platform

HDFC Smartbuy is a platform which display’s HDFC Bank’s exclusive partnerships with a variety of partners. You get 5% – 10% cashback on various categories and at various partners, please see details in the table below.

You get a a maximum cashback of ₹1000 per month. For example, if you shop only in the 5% shopping categories/partners, you shall get 5% cashback on total card purchases upto ₹20,000 per month.

Applicable categories and partners
5% cashback on travel spends, through HDFC Smartbuy✓ Flight bookings
✓ Hotel bookings
✓ IRCTC train tickets
✓ Bus tickets, through RedBus
✓ MakeMyTrip holiday packages
5% cashback on gift voucher purchases, through HDFC SmartbuyGift vouchers usually include Amazon Pay, Flipkart, Amazon shopping and more.

There maybe individual limits on certain gift vouchers, and/or processing charges on certain gift vouchers, for example Amazon Pay vouchers. To see latest details, and a list of all gift vouchers available, please click here.
5% cashback at select partners, through HDFC Smartbuy✓ Myntra
✓ Apple Imagine Tresor
✓ Nykaa
✓ Zoom Car
10% cashback at select partners, through HDFC Smartbuy✓ Pharmeasy
✓ Jockey
Please note that partners listed on HDFC Smartbuy platform could change from time to time. To see latest details of applicable partners, please click here.

More deals from HDFC Bank

Apart from the above, you can also enjoy exclusive deals at other HDFC partners. Please click here for details. 

Please select credit cards, and other filters of your choice given on the left side of the page. You can enjoy a wide range of offers including travel, shopping, dining, entertainment and more. Please note the details mentioned, in each of the partner offers. 

HDFC 24/7 customer care

Your bank is always available, please click here for all the options to contact the bank.

Zero lost card liability

In the unfortunate event of you losing your HDFC Millennia Credit Card, please report it immediately to the 24-hour call centre. After reporting the loss, you have zero liability on any fraudulent transactions made on your credit card.

HDFC Bank Millennia Credit Card Fees and Charges

Annual fee & annual fee offers

Annual fee
Annual fee offers
1st year joining fee₹1000Welcome offer :
– You get vouchers worth ₹1000 , on payment of the joining fee.
– Additionally, customers also get a limited period joining offer worth ₹1500 (in the form of Amazon vouchers) when applying for the card online.
Renewal fee from 2nd year onwards₹1000Renewal offer : Annual fee from the 2nd year onwards is not charged, if you spend ₹ 1 lakh or more in the previous year.

Hence the card is virtually free if you spend ₹1 lakh or more each year

Important Note

– GST/ other applicable taxes as per current laws, will be applicable on all fees and charges
– To view all/updated fees & charges on this card, please click here – HDFC Millenia Credit Card Charges

Eligibility Criteria

Although your credit card eligibility is based on multiple parameters which can be assessed once you apply for an HDFC Millennia Credit Card, there are certain basic criteria that all applicants must fulfil. 

Minimum age21 years
Maximum age40 years
Minimum income requirementSalaried : ₹35,000
Self-employed : ₹6 lakhs per year
Credit scoreNot specified, a minimum credit score of 750 is generally preferred

Application Process

Step-by-step guide –

Online application process
The easiest way is to click here – APPLY NOW , you will be taken to the card application page on the HDFC Bank website. You can also visit official website of the bank and fill out the application form.

Steps :
– The bank’s website and mobile app offer a user-friendly interface that makes the application process quick and easy.
– To apply, simply provide your personal details, such as your mobile phone number, income, and PAN number, along with the required documents.
– Submit the required documents
Offline (face to face)  application processYou can visit any of the nearest branches of the bank and talk to an executive regarding the process.
Whatsapp BankingYou can also apply for your card through HDFC Whatsapp Banking. Here are the steps to apply for an HDFC credit card through WhatsApp banking:

1. Save the Chat Banking number 7070022222 (HDFC Bank WhatsApp number) in your contacts
2. Send “Hi”
3. Choose the desired option OR simply type your query, for example – “Apply for Credit Card”
4. Apply and wait for further instructions or updates on your card application status.
Tracking your application status– Click here to track the status of your HDFC Bank Credit Card application.
– You can also check the status of your application through Chat with EVA. Simply ask the chatbot to help you track your credit card applications and follow its instructions.

Necessary documents –

Required documents
– PAN card copy
– Identity proof : PAN card , driving license, valid passport, voter ID (any one)
– Address proof : electricity bill, phone bill (not more than 2 months old), driving licence, passport, ration card, bank statement, passbook (not older than 3 months), voters ID, flat maintenance bill (not older than 2 months), rent agreement (any one)
– Income proof : latest salary slip/s, income tax return etc

You maybe required to provide additional documents, on a case-to-case basis.


Overall, HDFC Millennia Credit Card provides very good cashback benefits for online shoppers. It offers 5% cashback on popular platforms such as Amazon, Flipkart, Zomato & Swiggy, BookMyShow, and more, plus a 1% all-around cashback rate on every purchase.

Additionally, the card offers a milestone benefits program, and an attractive dining program with Swiggy Dineout.

All considered, HDFC Millenia is a good fit for those who make a lots of online purchases and enjoy entertainment experiences.