4.27/5
Regular
Cashback
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This is a cashback credit card by HDFC Bank, the Millennia Credit Card targets the Young Population. Being a basic credit card, this is charged an annual fee of Rs. 1,000. Keeping its target customers in mind, HDFC Bank offers a 5% cashback on Amazon, Flipkart, Zomato, Swiggy, BookMyShow, Cult.fit, Myntra, Sony LIV, Tata CLiQ, Uber and a cashback of 1% on all other online and offline spends.
Key Benefits
The HDFC Bank Millennia Credit Card offers a range of features that cater to the needs of discerning individuals.
welcome bonus
- Pay your Membership fee and get Reward Points equivalent to Fee Amount ₹1000
fuel surcharge waiver
- 1% fuel surcharge waiver at all fuel stations across India (on minimum transaction of ₹400 & maximum transaction of ₹5,000. Maximum waiver of ₹250 per statement cycle)
dining benefit
- Get up to 20 % savings off on all your restaurant bill payments via Swiggy Dineout (20k + restaurants) (Offer inclusive of Restaurant and Swiggy Discount). Offer valid only on payments done via Swiggy App.
zero lost card liability
- In the unfortunate event of losing your HDFC Bank Millennia Credit Card, on reporting it immediately to our 24-hour call centre, 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 Bank Millennia Credit Card from the date of purchase (subject to the submission of the charge by the Merchant)
revolving credit
- Available at a nominal interest rate on your HDFC Bank Millennia Credit Card
travel benefit
- N/A
insurance benefit
- N/A
golf
- N/A
Key Rewards
The HDFC Bank Millennia Credit Card offers a range of rewards.
reward points
- 5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato.
- 1% cashback on all other spends (except Fuel) including EMI & Wallet transactions (max 1000 points per month).
- ₹1000 worth gift vouchers on spends of ₹1,00,000 and above in each calendar quarter.
reward redemption
- Againt Statement Balance 1RP = ₹1
- Product Catalogue 1RP = ₹0.30
- Unified SmartBuy (Flights/Hotels) 1RP = ₹0.30
- Airmiles 1RP = ₹0.30
reward validity
- 2 years from the date of accumulation
other spend includes
- Wallet transactions
other spend excludes
- Insurance
- Govt Related transactions
- Cash Advances
- Gold
- Fuel
- EMI
Fees and Charges
The HDFC Bank Millennia Credit Card comes with a range of fees and charges that you should be aware of.
joining fee
₹1000
annual fee
₹1000
joining fee waiver
On paying Membership fee and you get Reward Points equivalent to Fee Amount
annual fee waiver
Spend ₹1,00,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off
annual interest rate
43.20%
add on card fee
Free
minimum repayment amount
5%
cash withdrawal fee
2.50% or ₹500 whichever higher
cash advance limit
40%
card replacement fee
₹100
foreign transaction fee
3.50%
over limit penalty
2.50%
Loundge
The HDFC Bank Millennia Credit Card offers below loundge benefit.
domestic lounge
N/A
(Upon achieving quarterly spends milestone of 1Lakh, users can either opt for Dreamfolks airport lounge access voucher Or ₹1000 voucher from available list of Brands)
international lounge
N/A
railway lounge
N/A
Eligibility and Documents Required
To apply for the HDFC Bank Millennia Credit Card, you need to meet the following eligibility criteria and you will need following documents.
Eligibility Criteria
Resident: Indian
Age: 21 to 40 years
Occupation: Salaried or Self Employed
Income: For Salaried people income more than ₹
35000, For Self-employed people
income more than ₹50000,
No information for students.
Documents Required
proof of identity: PAN Card, Aadhaar card, Drivers License, Passport, Voters ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
proof of address: Aadhaar card, Drivers License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government approved address proof.
proof of income: Latest one or two salary slips (not more than 6 months old), latest Form 16, and the last 6 months bank statement.
HDFC Bank Millennia Credit Card Rating
Charges
4.3/5
Rewards
4.5/5
Customer Service
4/5
Our Review For HDFC Bank Millennia Credit Card
This is one of the best cashback credit cards you can have. I personally use it for all my online shopping needs. With this card, you don't need to get the ICICI Amazon Pay credit card or the Flipkart Axis Bank credit card because it offers 5% cashback on both Amazon and Flipkart. You also get 5% cashback on Zomato and Swiggy, covering your food ordering needs. Additionally, you receive 5% off on BookMyShow, Cult.fit, Myntra, Sony LIV, Tata CLiQ, and Uber. For any other offline and online transactions, you get 1% cashback. The best part is that wallet transactions are included, so if you add money to your Paytm wallet, you get 1% cashback, up to a maximum of ₹1000 per month.
The reason I prefer this card over the Amazon Pay and Flipkart Axis cards is the quarterly milestone benefits. If you spend ₹1 lakh in a quarter, you get 1000 reward points. Plus, if you spend more than ₹1 lakh in a year, you get an annual fee waiver. This is one of the best features of this card.
However, if you strictly want 5% cashback on all your transactions, you might want to consider applying for the SBI Cashback Credit Card.
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