HDFC Bank Millennia Credit Card – Complete Guide to Features & Benefits

You love online shopping. Grabbing the latest sneakers for ₹3,000 on Myntra, ordering groceries for ₹2,500 from Amazon, or treating yourself to a ₹600 pizza on Swiggy.

Now, what if you got your money back every time you shopped? Sounds great, right?

That’s precisely what the HDFC Bank Millennia Credit Card does. It’s designed for online shoppers like you—helping you earn up to 5% cashback on your favourite apps.

In this guide, we’ll break down everything—cashback rates, key benefits, fees, eligibility, and some smart tips to get the most out of your card.

Overview of HDFC Bank Millennia Credit Card

The HDFC Bank Millennia Credit Card is perfect for young professionals and online shoppers looking to earn attractive cash rewards against their digital transactions. It offers the best cash-back rates on online shopping websites, dining offers, fuel surcharge waivers, and travel benefits, including free lounge access. 

The card also has contactless payment technology, ensuring safe and fast transactions. It also allows EMI conversion flexibility, thus making it more efficient in handling high-value purchases.

Key Highlights of HDFC Bank Millennia Credit Card

• High Cashback Rates: Earn 5% cashback on top e-commerce platforms such as Amazon, Flipkart, Myntra, Swiggy, Zomato, and more.
  
  
• Easy Redemption: Cashback is credited as CashPoints, which can be used for statement balance adjustments, travel bookings, and other rewards.
  
  
• Dining Discounts: Get up to 20% off on dining bills at partner restaurants via Swiggy Dineout.
  
  
• Lounge Access: Enjoy 4 complimentary domestic airport lounge visits per year, subject to a minimum spend of ₹1 lakh per quarter.
  
  
• Fuel Surcharge Waiver: 1% waiver on fuel transactions between ₹400 and ₹5,000.
  
  
• Annual Fee Waiver: Spend ₹1 lakh annually to get the following year’s fee waived.
  
  
• Secure Transactions: Use contactless payment technology for safer, quicker transactions up to ₹5,000 without entering a PIN.
  
  
• EMI Conversion: Convert high-value purchases into affordable EMIs through HDFC Bank NetBanking.
  
  

Key Features & Benefits of HDFC Bank Millennia Credit Card

1. Lucrative Cashback Rewards

One of the biggest highlights of this card is its rewarding cashback structure:

• 5% cashback on leading online merchants like Amazon, Flipkart, Myntra, Swiggy, Zomato, Tata CLiQ, Uber, Sony LIV, BookMyShow, and Cult.fit.
• 1% cashback on all other retail spends, except fuel transactions.
• Cashback is credited as CashPoints, which can be redeemed for statement balance adjustments, flight bookings, and other rewards.

2. Dining Discounts with HDFC Bank Millennia Credit Card

• Enjoy up to 20% off on dining bills at partner restaurants through Swiggy Dineout.
• Make dining out more affordable while enjoying quality meals with friends and family.

3. Complimentary Lounge Access with HDFC Bank Millennia Credit Card

• Get 4 complimentary domestic airport lounge visits per year (1 per quarter) if you spend ₹1 lakh in a quarter.
• Alternatively, opt for a ₹1,000 shopping voucher instead of lounge access.

4. Fuel Surcharge Waiver on HDFC Bank Millennia Credit Card

• 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹5,000.
• The maximum waiver is capped at ₹250 per billing cycle.

5. Welcome & Renewal Benefits of HDFC Bank Millennia Credit Card

• Reward points equivalent to the joining fee are credited upon card activation.
• Annual fee waiver if you spend ₹1 lakh annually.

6. Contactless Payment for Convenience with HDFC Bank Millennia Credit Card

• The tap-and-pay feature allows for faster transactions.
• Secure payments without entering a PIN for transactions up to ₹5,000.

7. Smart EMI Conversion on HDFC Bank Millennia Credit Card

• Convert high-value purchases into easy EMIs directly through the HDFC Bank portal.

Fees & Charges of HDFC Bank Millennia Credit Card

Late Payment Fee Applicable for HDFC Bank Millennia Credit Card

Cardholders who fail to make their minimum payment by the due date will incur a late payment fee based on the outstanding balance. The charges are structured as follows:

To avoid late fees, it is recommended that users set up auto-pay for their credit card bill payments or track due dates via the HDFC mobile banking app.

Cashback Redemption & Validity of HDFC Bank Millennia Credit Card

How Cashback Works?

• Earned as CashPoints (1 CashPoint = ₹1 for statement redemption, ₹0.30 for travel bookings, etc.).
• Unredeemed CashPoints expire after 2 years.

Monthly Redemption Limits

• 3,000 Cash Points per month for statement balance adjustments.
• 50,000 cash points per month for flight and hotel bookings.
• Up to 70% of product value can be redeemed using CashPoints on select purchases.

Eligibility Criteria for HDFC Bank Millennia Credit Card

Required Documents for HDFC Bank Millennia Credit Card

• Identity Proof (PAN Card, Aadhaar, Passport, or Driver’s License)
• Address Proof (Aadhaar, Passport, Utility Bill, or Voter ID)
• Income Proof (Salary Slips, Bank Statements, or ITR for self-employed individuals)

Pros and Cons of HDFC Bank Millennia Credit Card

Pros

• One of the most significant advantages of the HDFC Bank Millennia Credit Card is the high cashback rate offered on major online shopping platforms. Customers who frequently shop on Amazon, Flipkart, Myntra, and other leading e-commerce websites can benefit significantly from the 5% cashback.
  
  
• The card provides an easy redemption system where CashPoints can be converted to statement credits at a one-to-one ratio. This makes it convenient for users to use their accumulated rewards to offset their credit card bills.
  
  
• Cardholders who meet the required spending criteria can enjoy complimentary lounge access at domestic airports, making travel more comfortable and enjoyable.
  
  
• The card is equipped with contactless payment technology, allowing users to make quick and secure transactions without swiping or inserting their card for payments up to five thousand rupees.
  
  
• The annual fee is waived for those who spend at least one lakh rupees in a year, making it a cost-effective option for frequent users.

Cons

• One of the drawbacks of the HDFC Bank Millennia Credit Card is that the cashback is earned in the form of CashPoints rather than direct cashback. This means users need to redeem their CashPoints rather than receive an instant discount on their purchases.
  
  
• The card has a monthly cashback limit of one thousand points per category, which may restrict the amount of cashback a user can earn despite high spending.
  
  
• While the card is excellent for online shopping, it offers limited benefits on expenses such as rent payments, utility bills, and offline purchases, making it less beneficial for users looking for a well-rounded rewards program.
  
  
• Access to complimentary airport lounges is not automatic and is only granted if the cardholder meets the minimum spending requirement within a quarter. This means users must plan their spending accordingly to qualify for this benefit.

How to Apply for HDFC Bank Millennia Credit Card

Applying for the HDFC Bank Millennia Credit Card is a seamless process, whether you apply online, visit a branch, or contact customer support. Here’s a detailed step-by-step guide for each method to ensure you complete the application effortlessly.

Online Application Process

1. Visit the Official HDFC Bank Website: Open a web browser on your laptop, desktop, or mobile device and go to the official HDFC Bank website.
   
   
2. Navigate to the Credit Cards Section: On the homepage, click “Pay,” look for the ‘Credit Cards’ option in the main menu, and click on it.
   
   
3. Find the Millennia Credit Card: Browse through the list of available credit cards and select the ‘HDFC Bank Millennia Credit Card.’
   
   
4. Click on ‘Apply Now’: Once on the Millennia Credit Card page, locate the ‘Apply Now’ button and click on it to begin the application process.
   
   
5. Fill in Your Details: You will be directed to an application form where you need to enter your full name, date of birth, contact number, and PAN card details.
   
   
6. Provide Address and Employment Details: Enter your residential address along with your employment details, such as company name, monthly salary (for salaried individuals), or annual turnover (for self-employed applicants).
   
   
7. Upload Required Documents: Scan and upload the necessary documents, including:
   
   
   • Identity Proof (Aadhaar Card, PAN Card, Passport, or Driver’s License)
   • Address Proof (Utility Bill, Voter ID, Aadhaar Card, or Passport)
   • Income Proof (Salary Slips, Bank Statements, or Income Tax Returns for self-employed individuals)
     
     
8. Review and Submit Your Application: Double-check all the information you have provided to ensure accuracy. Once verified, click the ‘Submit’ button.
   
   
9. Receive Application Confirmation: Upon submission, you will receive an application reference number and confirmation via email and SMS.
   
   
10. Track Your Application Status: Use the reference number to check the status of your application on the HDFC Bank website.
    
    
11. Approval and Card Dispatch: If your application is approved, the bank will dispatch your credit card to your registered address within a few working days.

Applying at an HDFC Bank Branch

1. Visit the Nearest HDFC Bank Branch: Locate your nearest HDFC Bank branch using the branch locator available on the official website.
   
   
2. Meet a Bank Representative: Speak to a bank executive and request an HDFC Bank Millennia Credit Card application form.
   
   
3. Fill Out the Application Form: Provide all necessary details, including personal, employment, and financial information.
   
   
4. Attach Supporting Documents: Submit photocopies of your identity, address, and income proof along with the completed application form.
   
   
5. Submit the Application: Hand over the filled-out form and documents to the bank executive for processing.
   
   
6. Receive an acknowledgement receipt: The bank will provide an acknowledgement receipt with an application reference number.
   
   
7. Wait for Processing and Approval: The bank will verify your details and approve the application if all requirements are met.
   
   
8. Receive Your Credit Card: Once approved, your HDFC Bank Millennia Credit Card will be dispatched to your registered address.
   
   

Applying via Customer Support

1. Call HDFC Bank Customer Support: Dial the customer care number “1800 2600” and follow the IVR prompts to connect with a representative.
   
   
2. Request an Application for the Millennia Credit Card: Inform the representative about your interest in applying for the HDFC Bank Millennia Credit Card.
   
   
3. Provide Necessary Details: The representative will ask for your basic details, such as your name, date of birth, contact number, and PAN card information.
   
   
4. Check Eligibility: The executive will conduct a preliminary eligibility check based on the information provided.
   
   
5. Receive Application Assistance: If eligible, the representative will guide you through the application process and send a link via SMS or email to complete the form digitally.
   
   
6. Submit the Required Documents: Upload scanned copies of the necessary documents via the online link or submit them at the nearest branch as per instructions.
   
   
7. Receive Confirmation and Reference Number: Once your application is submitted, you will receive a confirmation message with a reference number.
   
   
8. Wait for Verification and Approval: The bank will process your application, verify the details, and approve the credit card if all criteria are met.
   
   
9. Get Your Credit Card Delivered: After approval, your HDFC Bank Millennia Credit Card will be sent to your address, and you will receive an SMS notification with tracking details.

By following these detailed steps, you can apply for the HDFC Bank Millennia Credit Card using your preferred method and enjoy its wide range of benefits.

Tips to Maximise Your Rewards with HDFC Bank Millennia Credit Card

1. Shop Smart: Use the card to make purchases on Amazon, Flipkart, and Swiggy to maximise cashback.
2. Use for Travel & Dining: Earn rewards on hotel bookings and dining discounts.
3. Redeem Points Wisely: Use CashPoints for statement credit to get maximum value.
4. Meet Annual Spend Requirement: Spend ₹1 lakh yearly to waive the annual fee.
5. Convert Big Purchases to EMI: Avoid heavy interest by converting large spends into easy EMIs.
   
   

Conclusion

The HDFC Bank Millennia Credit Card is an excellent choice for online shoppers and digital-first consumers. This card is perfect if you frequently shop on Amazon, Flipkart, and Myntra and order food from Swiggy or Zomato. While cashback limits and redemption restrictions exist, the card still provides fantastic rewards, discounts, and perks to help you save big.

The HDFC Bank Millennia Credit Card is worth considering if you can leverage the cashback benefits.

FAQs Related to HDFC Bank Millennia Credit Card

What is the annual fee for the HDFC Bank Millennia Credit Card?

The annual fee is ₹1,000 plus taxes, but it can be waived upon spending ₹1 lakh per year.

How can I redeem my CashPoints?

CashPoints can be redeemed for statement balance adjustments, flight and hotel bookings, and select products.

Is there a minimum income requirement for this card?

Salaried individuals must earn at least ₹35,000 per month, while self-employed individuals need an annual income of ₹6 lakh.

Does this card offer lounge access?

Yes, four complimentary domestic airport lounge visits per year are available if you spend ₹1 lakh in a quarter.

Can I convert transactions into EMI?

Yes, high-value transactions can be converted into EMIs via the HDFC Net Banking portal.

What is the late payment fee structure?

Late fees range from ₹100 to ₹1,300 depending on the outstanding balance.

Is contactless payment secure?

Yes, transactions up to ₹5,000 do not require a PIN, while higher amounts require authentication.

What is the maximum cashback I can earn per month?

You can earn up to 1,000 CashPoints per category per statement cycle.

Do CashPoints expire?

Yes, unredeemed CashPoints expire after two years.

How do I apply for the HDFC Bank Millennia Credit Card?

You can apply online, visit an HDFC Bank branch, or call customer support for assistance.

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