Our Money Guide

By: OurMoneyGuide || Last updated on: March 21, 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

Our View :

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 Cult.fit. 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% amilestone 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.

HDFC Millennia Credit Card

on HDFC Bank website

HDFC Bank Millennia Credit Card

Special Benefits

5% cashback at 10 merchants including Amazon & Flipkart (on total purchases upto ₹20,000 per month)

Other Benefits

Upto 1% milestone benefit – at quarterly card spend of ₹1 lakh

Minimum Income

Salaried : ₹35,000 per month
Self-Employed : ₹6 lakhs per year

Annual Fee

₹ 1000

Annual Fee Offers

– Welcome offer worth ₹1,000

– Renewal fee waived at ₹1 lakh annual card spend

Pros and Cons of HDFC 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 merchants, and is restricted to monthly spend limit of ₹20,000 to earn this special cashback

Comparing with Competitor Cashback Credit Cards

HDFC Millennia Credit Card
Our Rating
Amazon Pay ICICI Bank Credit Card
Our Rating
Flipkart Axis Bank Credit Card
Our Rating
Axis Bank Ace Credit Card
Our Rating
Cashback Rates 1% – 5%

1% – 5%

1.5% – 5%

2% – 5%

Other benefits Fuel Surcharge WaiverFuel Surcharge WaiverFuel Surcharge WaiverFuel Surcharge Waiver
Annual Fee ₹1,000 + Applicable Taxes

No Annual Fees



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

HDFC Millennia Credit Card

Features & Benefits of HDFC Bank Millennia Credit Card

5% special cashback at 10 partners – Amazon, Flipkart || Myntra, Tata CLiQ || Swiggy, Zomato || BookMyShow, Sony LIV || Cult.fit, 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 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 card spendson purchases upto ₹1 lakh per month

You earn ₹1 CashPoint worth ₹1, on every ₹100 you spend on all other cards purchases.

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

Dining benefits (HDFC Swiggy Dineout Program) – 7.50% discount (upto ₹250 per order), twice a month

1% fuel surcharge waiver, upto ₹250 per month

HDFC 24/7 customer care

Zero lost card liability

Contactless payments

Card Fees and Charges

Annual fee & annual fee offers

Annual feeAnnual 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

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 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 statusClick 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,  Cult.fit 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.

Apply Now

on 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.