HDFC Millennia Credit Card
HDFC Bank
Last updated: Feb 03, 2026
₹1,000
₹1,000
3.5 of the transaction amount
8 visits/yr
Contents
HDFC Millennia is a cashback credit card tailored for digital spends — get 5% cashback on top online merchants and useful quarterly voucher rewards.
Features of HDFC Millennia Credit Card which makes it unique
Spend-Based Annual Fee Waiver
Annual fee is waived on achieving a defined annual spend milestone.
Lower effective card cost
More flexible than cards with fixed annual fees and no waiver option.
Quarterly Voucher Rewards
Get ₹1,000 gift voucher each quarter on high spend
Extra value
Better than static cashback-only cards
High Cashback on Top Online Brands
Earn accelerated cashback on popular online platforms such as Amazon, Flipkart, Swiggy, and Zomato.
Higher everyday savings
Offers stronger online cashback than most entry-level and mid-range cards.
Rewards Structure of HDFC Millennia Credit Card
top online merchants
acceleratedAmazon, Flipkart, Swiggy, Zomato, etc.
5% on selected merchants
5% Cashback on Top Online Brands: Earn 5% cashback on eligible spends made at selected top online merchants such as Amazon, Flipkart, Swiggy, and Zomato. Cashback is subject to a maximum cap of ₹1,000 per billing cycle and applicable merchant eligibility, terms, and conditions.
all other spends(except Fuel, EMI, Wallet, Rent payments, Govt related txns)
baseother retail, offline
1% on all other spends
1% Cashback on Other Spends: Earn 1% cashback on all eligible retail spends other than fuel, including offline and non-partner online transactions. Cashback earned under this category is subject to an overall cap of ₹1,000 per billing cycle, along with applicable terms and exclusions.
Fuel
baseFuel transactions made at petrol pumps in India using the credit card.
Fuel transactions are not eligible for cashback rewards. Only fuel surcharge waiver benefits apply, subject to transaction amount limits and monthly capping.
Fuel Surcharge Waiver Benefit: Fuel spends do not earn cashback under the rewards program. However, a fuel surcharge waiver is applicable on eligible transactions, subject to per-transaction limits and a maximum cap of ₹250 per billing cycle, as per HDFC Bank terms and conditions.
Milestones of HDFC Millennia Credit Card
Online Shopping Milestone
₹25,000 on online merchants (in a quarter) : ₹750 cashback or shopping voucher
Online Spend Bonus: Bonus rewards are offered for achieving quarterly online spend targets on eligible e-commerce merchants. Merchant eligibility and exclusions apply.
Quarterly Spend Milestone
₹1,00,000 (in quarter) : ₹1,000 gift voucher
Quarterly Spend Reward: Cardholders earn a ₹1,000 gift voucher on achieving cumulative eligible spends of ₹1,00,000 within a calendar quarter. Eligible spends exclude fuel, wallet loading, rent, EMI transactions, and other excluded categories as per the card’s terms and conditions. The reward is issued after milestone validation.
Annual Spend Milestone
₹1,00,000 (in 12 months) : Annual fee waiver
Annual Fee Waiver Milestone: The annual membership fee is waived on achieving cumulative eligible spends of ₹1,00,000 within a 12-month period. Eligible spends exclude fuel, wallet loads, rent payments, EMI transactions, and other excluded categories as per the card’s terms and conditions. The waiver is applied after milestone validation.
Top Cashback Earner Milestone
₹50,000 (in a billing cycle) : Additional ₹500 cashback
Monthly Cashback Booster: An extra cashback benefit is awarded on crossing ₹50,000 spends in a single billing cycle. This reward is over and above regular cashback, subject to exclusions and validation.
Fees & Charges of HDFC Millennia Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹1,000+ Applicable Taxes |
| Annual Fee | ₹1,000+ applicable taxes |
| Forex Markup Fee | 3.5%of the transaction amount |
| Cash Advance Fee | 2.5%of the withdrawn amount |
| Late Payment Fee | ₹500+ GST |
| Over Limit Fee | 2.5%of overlimit amount |
| Returned Payment Fee | 2%of the payment amount |
| Cash Withdrawal Fee | 2.50% |
Renewal Conditions:Annual fee waived on ₹1,00,000 spends in the previous year.
Fee Explanation Fees and charges apply as per bank policy and can be reduced through eligible spends.
Detailed Explanation of HDFC Millennia Credit Card Fees
Annual Fee: ₹1,000 +GST (yearly)
Waived if spend ≥ ₹1,00,000/year
Annual Fee Waiver Condition: An annual membership fee of ₹1,000 is charged every year to keep the card active. This fee is waived if total eligible spends of ₹1,00,000 or more are achieved during the preceding 12 months. All charges are subject to applicable taxes and bank terms.
Cash Advance Fee: 2.5% of the withdrawn amount (transaction)
Standard HDFC terms
Cash Withdrawal Charges: A cash advance fee of 2.5% is charged on the amount withdrawn using the credit card. Interest on cash advances is applicable from the date of withdrawal until full repayment, as per HDFC Bank’s prevailing terms and conditions.
Forex Fee: 3.5% of the transaction amount (Per Interntional Transaction)
Applicable on transactions made in foreign currency, including online international purchases, as per HDFC Bank terms.
Forex Transaction Charges: A foreign currency mark-up fee of 3.5% is charged on all international transactions. This includes purchases made on overseas websites or in foreign currency, and is subject to applicable taxes.
Late Payment Fee: ₹500 + GST (Per billing Cycle)
Charged if the minimum amount due is not paid by the payment due date, as per HDFC Bank’s fee slabs.
Late Payment Penalty: A late payment fee is levied if the minimum amount due is not paid on or before the due date. The actual charge may vary depending on the outstanding balance and applicable bank slabs.
Over Limit Fee: 2.5% of overlimit amount (Per Occurrence)
Applicable when the outstanding balance exceeds the assigned credit limit.
Over-Limit Charges: An over-limit fee is charged when card usage exceeds the approved credit limit. Cardholders are advised to stay within their limit to avoid additional charges.
Returned Payment Fee: 2% of the payment amount (Per Failed Payment)
Applicable if a payment fails due to insufficient funds, incorrect details, or other technical reasons.
Payment failure Chargers: A returned payment fee is charged if a payment instruction such as auto-debit or online payment is unsuccessful. This fee applies in addition to any applicable bank charges or penalties.
Lounge Access Benefits with HDFC Millennia Credit Card
domestic Lounges
silverVisits per year: 8
Guest access: No
On meeting quarterly spend milestone
Spend-Based Domestic Lounge Access: Cardholders are eligible for domestic airport lounge access on meeting the specified quarterly spend milestone. Up to 8 lounge visits per year are available, subject to lounge network availability and bank terms. Guest access is permitted as per applicable lounge rules and conditions.
Additional Features of HDFC Millennia Credit Card
Smart EMI
Convert large spends to EMI after purchase
Eligible transactions above the minimum amount set by the bank can be converted into EMIs.
Flexible EMI Conversion: The Smart EMI feature allows cardholders to convert large purchases into easy monthly instalments after the transaction is completed. This helps manage big expenses more comfortably, with repayment spread over a chosen tenure, subject to applicable interest and fees.
MyCards App Controls
Manage card settings, transactions, limits, and security controls through HDFC’s MyCards platform.
Access available via HDFC MyCards portal / NetBanking
Complete Card Control: The MyCards platform allows cardholders to monitor transactions, manage limits, enable or disable features, and control card security in real time, providing greater transparency and convenience.
Advance Card Security
Enhanced security features to protect against unauthorized usage and fraud
Includes SMS and email alerts for transactions
Enhanced Security Protection: The card comes with built-in security measures such as instant alerts and quick card blocking options to help safeguard against unauthorized transactions and ensure safer card usage.
Contactless Payments
Tap & pay enabled
Contactless “Tap & Pay” transactions are allowed up to the RBI-defined limit per transaction without entering a PIN.
Fast & Secure Contactless Payments: The card supports contactless “Tap & Pay” transactions, allowing quick and secure payments without inserting the card or entering a PIN for low-value transactions. Transaction limits and security controls apply as per RBI and bank guidelines.
Welcome Bonus with HDFC Millennia Credit Card
Welcome Bonus: 1,000 CashPoints on membership fee payment
Bonus Conditions: Applicable when you pay membership fee
Application Process for HDFC Millennia Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Go to HDFC Bank credit card application online
Start Online Application: Visit the official HDFC Bank website or use a trusted partner link to begin the online credit card application process.
Fill personal & income details
Enter Personal Information: Provide your personal details, employment information, and income details accurately to help the bank assess eligibility.
Upload KYC documents
Complete KYC Verification: Upload required KYC documents such as PAN, address proof, and income proof as prompted during the application journey.
Wait for verification & approval
Bank Verification & Approval: HDFC Bank reviews your application, verifies documents, and may contact you for additional confirmation before approval.
Card dispatched in 5-7 days
Card Dispatch & Delivery: Once approved, the credit card is dispatched to your registered address and is typically delivered within 5–7 working days.
Required Documents for HDFC Millennia Credit Card
ID Proof
Salaried, Self-employedAccepted documents:
Identity Verification: A valid government-issued identity proof is required for KYC verification. Applicants can submit PAN card or Aadhaar card as acceptable ID proof. PAN is mandatory for credit card issuance, while Aadhaar may be used for address and eKYC verification, subject to bank guidelines.
Address Proof
Salaried, Self-employedAccepted documents:
Residential Address Verification: Applicants must submit a valid address proof to verify their current residential address. Acceptable documents include Aadhaar card, Passport, Voter ID, Driving Licence, utility bills, or recent bank statements, as per HDFC Bank’s KYC guidelines.
Income Proof
salaried, Sel-EmployedAccepted documents:
Income Eligibility Verification: Income proof is required to assess credit eligibility. Salaried applicants may submit recent salary slips or bank statements, while self-employed applicants can provide income tax returns (ITR) or financial statements, as applicable, as per HDFC Bank norms.
HDFC Millennia Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide across India
International Acceptance
Yes (Visa / Mastercard network)
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for HDFC Millennia Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
750+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹420,000
Minimum annual income
Self-Employed Applicants
₹600,000
Minimum annual income
Who Can Apply
Important Conditions
- Valid PAN and Aadhaar, banking relationship may help
How Approval Is Decided
- Indian resident
- Age 21–60 years
- Credit score typically > 700
- Income requirement as per HDFC norms
Pros of HDFC Millennia Credit Card
- Fee waiver option keeps it flexibleFlexible Fee Waiver: The annual fee waiver option based on annual spending keeps the card flexible and cost-effective for regular users.
- Strong cashback on online & digital spendsHigh Online Cashback: The card offers strong cashback on online and digital spends, especially at selected top merchants, making it rewarding for frequent online shoppers.
- Quarterly gifts reward active usersQuarterly Spend Rewards: Active users can benefit from quarterly spend-based rewards or gift vouchers, adding extra value beyond regular cashback earnings.
Cons of HDFC Millennia Credit Card
- Caps on cashback per cycleCashback Capping Limits: Cashback earnings are capped per billing cycle, which may limit rewards for very high spenders.
- Limited accelerated categoriesLimited Accelerated Categories: Accelerated cashback is available only on selected merchant categories, while other spends earn base cashback.
- Lacks international lounge accessNo International Lounge Access: The card does not provide complimentary international airport lounge access, making it less suitable for frequent international travellers.
Frequently Asked Questions about HDFC Millennia Credit Card
Is there a joining fee?
Yes, ₹1,000 which may be waived on meeting spend criteria.
The joining fee is charged at the time of card issuance. Fee waiver conditions apply only to the annual renewal fee.What cashback do I earn with the HDFC Millennia Credit Card?
You earn 5% cashback on selected online merchants and 1% cashback on other eligible spends, subject to monthly cashback caps and exclusions.
Accelerated cashback applies only to selected merchants, while base cashback applies to other eligible transactions.Is there a fuel surcharge waiver on this card?
Yes, a 1% fuel surcharge waiver is available on fuel transactions between ₹400 and ₹5,000, capped at ₹250 per billing cycle.
Fuel transactions do not earn cashback rewards; only the surcharge waiver applies.Does the HDFC Millennia Credit Card offer airport lounge access?
Yes, the card offers limited domestic airport lounge access, subject to spend-based eligibility and applicable terms. International lounge access is not included.
Lounge access benefits depend on meeting specified spend conditions and lounge network availability.Can I link the HDFC Millennia Credit Card to UPI apps?
No. The HDFC Millennia Credit Card cannot be linked to UPI apps, as UPI credit card functionality is available only on RuPay variants.
UPI payments using a credit card are supported only on RuPay credit cards.Who is eligible to apply for the HDFC Millennia Credit Card?
Indian residents aged 21–60 years with a stable income and a good credit score (typically 700 or above) can apply, subject to HDFC Bank’s internal checks.
Final approval depends on income verification, credit profile, and bank policies.Add Your Review
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