The HDFC Bank Millennia Credit Card is a very good shopping card choice for customers, with various discounts and cashback available on many purchases. 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-know partners like Myntra, Tata Cliq, Zomato, Swiggy etc. Customers also get other benefits like domestic airport lounge access, fuel surcharge waivers, and attractive dining promotions.
Brief Summary
Our View :
Best for those who like to shop & spend online, and particularly for those who like to shop & spend on large online marketplaces like Amazon & Flipkart, and also Myntra, Tata Cliq, Zomato, Swiggy, Uber, BookMyShow, Sony LIV and Cult.fit. You get 5% cashback on 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 free visits to airport lounges in India – upto 2 visits per quarter.
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.
HDFC Bank Millennia Credit Card
Special Benefits
5% cashback on 10 merchants including Amazon & Flipkart
Other Benefits
Complimentary airport lounge access in India
Minimum Income
Salaried : ₹35,000 per month
Self-Employed : ₹6 lakhs per year
Annual Fee
₹ 1,000
Annual Fee Offers
Welcome offer worth ₹1,000
Renewal fee waived at ₹1 lakh annual card spend
HDFC Millennia Credit Card: Summary Table
| 5% special cashback benefit on 10 select merchants – Amazon, Flipkart – Myntra, Tata CLiQ – Swiggy, Zomato – BookMyShow, Sony LIV – Cult.fit, Uber | You earn ₹5 , on every ₹100 you spend on these 10 specific merchants – only on purchases upto ₹20,000 per month Exceptions : – 5% cashback on these select merchants given only for non-EMI spends on these merchants. EMI transactions (at merchant location) & wallet loads at these merchants will be considered under the 1% basic cashback category. – All gift card/ prepaid card loads & voucher purchase transactions are considered under the 1% basic cashback category. |
| 1% basic cashback benefit on all other spends | You earn ₹1 , on every ₹100 you spend on all other purchases – only on purchases upto ₹1,00,000 per month Exceptions : No cashback is given on fuel purchases, rent payments, government-related transactions, post facto EMI transactions (Smart EMI, Dial an EMI) For full list of terms and conditions, please click here – HDFC Millenia Terms & Conditions |
| Upto 1% additional milestone related benefits | Additional benefits based on achievement of quarterly spend targets : For each calendar quarter, if you spend ₹1 lakh or more, you will receive gift vouchers worth ₹1,000. |
| Complementary visits to domestic airport lounges in India – upto 2 times per quarter | – For Mastercard, Visa and Rupay card variants , please click below for details Airport Lounge Details – Mastercard, Visa & Rupay Cards – For Diners Club card variants , please click below for details Airport Lounge Details – Diners Card |
| ₹1,000 annual fee | Annual fee offers : – Welcome offer : You get 1000 cash points worth ₹1000, on payment of 1st year annual fee – Renewal offer : Renewal fee is not charged , if you spend ₹1,00,000 or more in the previous year |
| 1% fuel surcharge waiver | Fuel surcharge waiver at all fuel stations – – Only on fuel transactions between ₹400 and ₹5,000 only AND – On fuel purchases of upto ₹25,000 per month only (since the maximum waiver amount is capped at ₹250 per monthly card statement cycle) – Both conditions above need to be met to avail surcharge waiver |
| Attractive dining program – in partnership with Swiggy & Dineout | – 20% discount on restaurant bill payments at over 20,000 restaurants – via Swiggy Dineout. – Valid only for payments made through the Swiggy app, on dining transactions more than ₹1500. – For full terms and conditions, please click here – HDFC Swiggy Dineout Offer Details |
| Minimum income requirements | Salaried : ₹35,000 per month Self-employed : ₹6 lakhs per year |
Pros and Cons of HDFC Millennia Credit Card
Pros
- 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.
- Free visits (2 per quarter) to airport lounges in India.
Cons
- 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 merchants, and is restricted to monthly spend limit of ₹20,000 to earn this special cashback
Comparing with Competitor Cashback Credit Cards
| Features |
HDFC Millennia Credit Card
Our Rating
APPLY NOW
|
Amazon Pay ICICI Bank Credit Card
Our Rating
APPLY NOW
|
Flipkart Axis Bank Credit Card
Our Rating
APPLY NOW
|
Axis Bank Ace Credit Card
Our Rating
APPLY NOW
|
|---|---|---|---|---|
| Cashback Rates |
1% – 5%
|
1% – 5%
|
1.5% – 5%
|
2% – 5%
|
| Other benefits | Fuel Surcharge Waiver | Fuel Surcharge Waiver | Fuel Surcharge Waiver | Fuel Surcharge Waiver |
| Annual Fee |
₹1,000 + Applicable Taxes
|
No Annual Fees
|
₹500
|
₹499
|
| Annual Fee Offers |
Annual Fee Reversal on meeting ₹1,00,000 spends
| – |
Annual fee waived off on annual spends greater than ₹. 2,00,000.
|
Annual fee waived off on annual spends greater than ₹. 2,00,000.
|
| Minimum Income |
Not Specified
|
Not Specified
|
Not Specified
|
Not Specified
|
Detailed Review of the HDFC Bank Millennia Credit Card
Features & Benefits of HDFC Bank Millennia Credit Card
5% special cashback on 10 partners – Amazon, Flipkart || Myntra, Tata CLiQ || Swiggy, Zomato || BookMyShow, Sony LIV || Cult.fit, Uber
You earn ₹5 , on every ₹100 you spend on these partners – only on purchases upto ₹20,000 per month
Earning & redeeming reward points :
▪︎ You earn 5 CashPoints on every ₹100 you spend = ₹5 on every ₹100 you spend (since 1 CashPoint = ₹1)
▪︎ CashPoints are posted on your credit card account (and are available for redemption) in the first week of every month, for all transactions settled in the previous month
▪︎ CashPoints can be redeemed against your credit card statement balance – through net banking, phone banking or physical redemption form.
▪︎ The minimum CashPoint balance required for redemption is 500 CashPoints.
▪︎ CashPoints are valid for 2 years.
▪︎ CashPoints can also be redeemed against travel benefits and rewards catalogues 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.
Limits on earning special cashback benefits :
▪︎ You earn special cashback rate of 5% on these 10 partners, on combined total purchases of ₹20,000 per month (since the monthly limit on earning CashPoints at this special rate is 1000 CashPoints).
▪︎ After the first ₹20,000 spent in this category during the month, you shall earn basic cashback rate of 1% on all additional purchases in this category.
1% basic cashback on all other spends
You earn ₹1 on every ₹100 you spend on all other purchases – on purchases upto ₹1 lakh per month
Earning reward points :
▪︎ You earn 1 CashPoints on every ₹100 you spend = ₹1 on every ₹100 you spend (since 1 CashPoint = ₹1)
▪︎ CashPoints are posted on your credit card account (and are available for redemption) in the first week of every month, for all transactions settled in the previous month
Limits on earning special cashback benefits :
– You earn cashback rate of 1%, on total purchases upto ₹1 lakh per month (since the monthly limit on earning CashPoints at this rate is also 1000 CashPoints).
Redeeming reward points & other important points : same as described in the above section
Complementary visits to domestic airport lounges – 2 times per quarter
You get 2 free visits to airport lounges within India each quarter, so you can access these domestic lounges upto 8 times in a year. However you can not visit these lounges more than 2 times per quarter. This limit of 2 visits can be shared with your add-on card holders.
There are 2 categories of the lounge access program, one for the Diners variant of the HDFC Bank Millennia card, and the other for those who are holding the Mastercard, Visa and Rupay variants of the card –
- For Mastercard, Visa and Rupay card variants , please click here for details – Airport Lounge Details – Mastercard, Visa & Rupay Cards. For Mastercard, a nominal charge of ₹25 will be charged at the lounge and made void immediately. For Visa/Rupay, a nominal charge of ₹2 will be charged for verification.
- For Diners Club card variants , please click here for details – Airport Lounge Details – Diners Card
Attractive dining program – in partnership with Swiggy & Dineout
- The program is a collaboration between HDFC Bank, Swiggy & Dineout
- 20% discount on restaurant bill payments at over 20,000 restaurants.
- Valid only for payments made through the Swiggy app, on dining transactions more than ₹1500.
1% fuel surcharge waiver
Applicable fuel stations and brands : Fuel surcharge waiver applies to all petrol stations.
Restrictions on waiver benefits :
– The waiver is given only if you spend a minimum of ₹400 and a maximum of ₹5000 on a fuel transaction
– The waiver is given upto a maximum of ₹25,000 in fuel spends per month (since the maximum waiver is restricted to ₹250 per monthly card statement cycle)
– You need to meet both the above criteria to qualify for the fuel surcharge waiver
Card Fees and Charges
Annual fee & annual fee offers
The annual fee for this card is ₹1000. There are also attractive annual fee-related offers, please see details in the below table:
| Annual fee | Annual fee offers | |
|---|---|---|
| 1st year joining fee | ₹1000 | Welcome offer : You get 1000 CashPoints worth ₹1,000 , 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. Click here for details. |
| Renewal fee from 2nd year onwards | ₹1000 | Renewal offer : Annual fee from the 2nd year onwards is not charged, if you spend ₹ 1,00,000 or more in the previous year. Hence the card is virtually free if you spend ₹1,00,000 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 Fees & 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 age | 21 years |
| Maximum age | 40 years |
| Occupation | Salaried or self employed |
| Minimum income requirement | Salaried : ₹35,000 Self-employed : ₹ 6 lakhs per year |
| Credit score | Not specified, a minimum credit score of 750 is generally preferred |
How To Apply & Track Your Application Status ?
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 process | You can visit any of the nearest branches of the bank and talk to an executive regarding the process. |
| Whatsapp Banking | You 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. |
| Approval timeline and tracking your application status | In most cases, the credit card decision would be communicated maximum within 21 working days. In certain cases, it could take longer, especially if the bank wants more information and documents from you. – 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. |
Other Cardholder Benefits
| 24/7 customer support | Your bank is always available; please click here for all the options to contact the bank. |
| Security features | Chip and PIN technology – security for offline transactions : In the past, credit cards typically used a magnetic stripe located on the back of the card to store and transact data. However, the latest generation of credit cards includes a CHIP and PIN feature, which provides enhanced security. Only you know your PIN, so even if your card is lost, it is unlikely to be misused since BOTH the physical card and the PIN must be spent on the card. Two-factor authentication – security for online transactions : When making an online transaction, you approve your online transaction by using a One-time Password (OTP) you get on your mobile phone. Since only you know the OTP, the card is unlikely to be misused unless someone has access to BOTH your card details AND your mobile phone. This ensures a safe online purchase experience. SMS alerts and notifications – for both offline and online transactions : For your peace of mind, you get free SMS alerts and notifications for all your transactions. Hence you will know about all transactions on your card. In the unlikely scenario of misusing your card, you would still get these alerts and notifications – which will help you immediately block your credit card. |
| Contactless payment | Look for the contactless network symbol on your card to determine if your credit card is contactless. In India, contactless payments are allowed for a maximum of ₹5000 for a single transaction without requiring a credit card PIN. For transactions equal to or higher than ₹5000, the cardholder must input their credit card PIN for security reasons. |
| Zero lost card liability | In the unfortunate event of you losing your HDFC Millennia Credit Card, 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. |
| Interest free credit period | Up to 50 days of interest free period on your HDFC Millennia Credit Card from the date of purchase (subject to the submission of the charge by the Merchant) |
Choosing the right card for your needs
As you have seen, the best cashback card depends on your personal circumstances. Some of the main points you should look at are –
| Are you eligible for the card | HDFC Millennia Credit Card has a defined minimum income for salaried and self employed individuals (₹35,000 per month income for salaried and ₹6 lakhs per year income for self employed) Other factors also play a role in determining your card eligibility like stability of income, credit scores (repayment history, length of repayment history, credit utilisation), and past relationship with the bank |
| Your monthly spends / Are you comfortable having more than 1 card ? | Credit cards usually offer higher benefits for specific promotion categories as compared to their regular rewards rate. The HDFC Bank Millennia Credit Card offers a promoted category wherein it gives 5% cashback on selected merchants including Amazon and Flipkart, with a ₹20,000 monthly spend limit to earn this higher cashback rate of 5%. So it has restrictions both in terms of a set of merchants where you earn higher rewards, plus a ₹20,000 monthly spend limit to earn this higher reward, Hence this card is suitable for those who are comfortable shopping online, and specifically at these 10 selected merchants, and also who are comfortable with the ₹20,000 monthly spend cap. In case your actual or expected spends are much above this limit, then you will need to look at other cards which have higher spend limits to earn higher rewards. Since HDFC Millenia Card does not offer attractive benefits on some of your other needs like fuel purchases, travel spending, utility bill payments etc you may need to look at the best cards/ specialist cards in these categories to maximise rewards on all your spends. |
| Annual fee | Credit cards can come with an annual fee, but they also often have tempting incentives like joining and renewal offers, making them effectively free. HDFC Millennia offers a welcome bonus of 1000 reward points worth ₹1000 , when joining fee is paid. The card’s annual spend target to qualify for a waiver of renewal fees is ₹1 lakh, hence this card is virtually free if you spend ₹1,00,000 or more in the previous year. |
Once you look at the above factors in detail, you should be able to decide if this is the right card for you.
Conclusion
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, Cult.fit and more, plus a 1% all-around cashback rate on every purchase. Additionally, the card offers free access to domestic airport lounges, 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.
Apply Nowon HDFC Bank website
Frequently Asked Questions
What is the minimum income requirement for the HDFC Millennia Credit Card?
The minimum income requirement for this card is ₹35,000 per month for salaried persons, and ₹6 lakhs per year for self-employed individuals.
Can I use this credit card for international transactions?
Yes, you can use the HDFC Millennia credit card for international transactions. Please take note of any associated fees and charges that may be incurred on such transactions.
What is the credit limit on this card?
The credit limit on the HDFC Millennia Credit Card will be determined based on factors such as your overall financial situation, income, credit utilisation, credit history etc.
What is the annual fee associated with this credit card?
The annual fee charged on the HDFC Millennium Credit Card is ₹1,000. You get welcome benefits worth ₹1,000 on payment of first year annual fee. Annual fee from the second year onwards is waived off if you spend a minimum of ₹1 lakh in the previous year.