Shop smart, earn more rewards, and live the Millennia lifestyle.
Get 5% value-back on top online brands
Earn 1,000 CashPoints when you join
Up to 10% off dining via Swiggy Dineout
Enter your details to get started
| Benefit | Details |
|---|---|
| Welcome Bonus | Receive 1,000 CashPoints worth ₹1,000 upon payment of the joining fee. |
| Cashback on Top Merchants | Earn 5% cashback on spends with top merchants, including Amazon, Flipkart, Swiggy, Zomato, BigBasket, and more. |
| Universal Cashback | Get 1% cashback on all other spends, ensuring rewards on every transaction. |
| Quarterly Vouchers | Receive a ₹1,000 gift voucher every quarter on spending ₹1 lakh in that quarter. |
| Annual Fee Waiver | Annual fee of ₹1,000 + GST waived on spending ₹1 lakh or more in the previous year. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | HDFC Bank Ltd. |
| Bank / Non-bank | Bank-affiliated |
| Category | Cashback / Digital Lifestyle |
| Type of Card | Visa |
| Free or Paid | ₹1,000 Annually (waived on spends of over ₹1L) |
The HDFC Bank Millennia Credit Card is crafted for the digitally-savvy generation that embraces online shopping, food delivery, and digital transactions. This card serves young professionals, tech enthusiasts, and frequent online shoppers who want substantial cashback on popular e-commerce platforms and food delivery apps. With its focus on digital spending categories and straightforward cashback structure, the card provides tangible value for modern lifestyles whilst maintaining an accessible fee structure.
Digital-First Design: The card is optimised for online transactions, offering enhanced cashback on India's most popular digital platforms including e-commerce sites, food delivery apps, and online services.
Wide Acceptance: Accepted at millions of merchant outlets globally, the card enables seamless transactions across both online and offline channels for shopping, dining, travel, and entertainment.
Add-on Cards: Cardholders can issue supplementary cards to family members aged 18 years and above, allowing shared benefits and combined cashback accumulation for the household.
Contactless Technology: Equipped with contactless payment capability, the card enables quick and secure tap-and-pay transactions at enabled terminals, enhancing convenience at checkout counters.
SmartEMI Facility: Large purchases can be converted into convenient monthly instalments through the SmartEMI feature, providing flexibility in managing expenses without affecting monthly budgets.
Personal Accident Insurance: The card comes with personal accident insurance cover, providing financial protection to the cardholder and peace of mind during travel and daily activities.
5% Cashback on Top Merchants: The card offers an exceptional 5% cashback (credited as CashPoints) on spends with the following merchants:
Amazon
Flipkart
Swiggy
Zomato
BookMyShow
Tata CLiQ
Sony LIV
Uber
1% Cashback on All Other Spends: All other retail transactions earn 1% cashback, ensuring that every purchase contributes to the rewards balance, whether online or offline.
Product Redemption: Exchange CashPoints for a wide variety of products including electronics, home appliances, fashion items, and lifestyle accessories through HDFC Bank's comprehensive rewards catalogue.
Gift Vouchers: Convert CashPoints into vouchers from popular brands spanning dining, shopping, entertainment, wellness, and travel categories, providing practical everyday value.
Travel Bookings: Redeem CashPoints for flight tickets, hotel stays, and holiday packages through the bank's travel partners, making vacations more economical.
Statement Credit: Apply accumulated CashPoints directly towards the credit card statement balance, reducing the amount payable and providing instant monetary benefit.
Cashback Transfer: Transfer CashPoints to the linked savings account as cash, offering complete flexibility in how rewards are utilised.
CashPoints Bonus: New cardholders receive 1,000 CashPoints worth ₹1,000 upon payment of the joining fee, which can be redeemed immediately through various channels.
Annual CashPoints: On payment of the annual renewal fee, cardholders receive 1,000 CashPoints worth ₹1,000, effectively offsetting the renewal cost.
Spending Milestone: Cardholders who achieve retail spends of ₹1 lakh in a calendar quarter receive a gift voucher worth ₹1,000 from select partner brands.
Transaction Range: A 1% fuel surcharge waiver is available on transactions between ₹400 and ₹5,000.
Monthly Cap: The maximum waiver benefit is limited to ₹250 per statement cycle, helping reduce fuel expenses for regular commuters.
Dining Discount: Access exclusive dining offers and up to 10% discounts on Swiggy Dineout, enhancing the dining experience while saving money.
Partner Restaurants: Enjoy special privileges and offers at select restaurant partners, making dining out more rewarding.
Tap & Pay: The card features Near Field Communication (NFC) technology, enabling contactless payments at enabled terminals for transactions up to ₹5,000 without entering a PIN.
Speed and Convenience: Contactless payments reduce checkout time significantly, providing a seamless shopping experience at retail outlets.
Disclaimer: The card features, benefits, application process, and other details mentioned above are accurate at the time of writing but may change without prior notice.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | ₹1,000 + GST | One-time charge when the card is issued. |
| Annual Fee | ₹1,000 + GST | Charged every year. Waived if annual spends are ₹1,00,000 or more. |
| Add-on Card Fee | ₹0 | The add-on card is free for lifetime and carries all the benefits of the primary card. |
| Fuel Surcharge | 1% waiver on transactions between ₹400–₹5,000 | Maximum benefit of ₹250 per statement cycle at fuel stations. |
| Criteria | Details |
|---|---|
Age | Minimum 21 years, Maximum 40 years |
Occupation | Salaried / Self-Employed / Professional |
Income Requirement (Salaried) | Minimum net monthly income of ₹35,000 |
Income Requirement (Self-Employed) | Minimum gross annual income of ₹6 lakhs (as per ITR) |
Other Criteria | Good credit score (preferably 750+), stable employment or business, valid identity and address proofs |
| Document Type | Details |
|---|---|
| Identity Proof | PAN Card (mandatory for all applicants) |
| Address Proof | Aadhaar Card, Passport, Voter ID, Driving Licence, or recent utility bills |
| Income Proof (Salaried) | Salary slips for last 3 months, bank statements for last 6 months, or Form 16 |
| Income Proof (Self-Employed) | Income Tax Return (ITR) for last 2 years, bank statements for last 6 months, business registration documents |
| Photograph | Recent passport-size photograph |
Click on Apply Now: Hit the 'Apply Now' button to start your application.
Fill in Your Detail: Enter your personal, contact, and financial details in the application form.
Upload Required Documents: Upload your PAN Card, Aadhaar/Address Proof, and Income Proof.
Submit Your Application: Review all the details and click Submit.
Approval & Card Delivery: Once approved, your HDFC Bank Millennia Credit Card will be delivered to your registered address.
| Usage Tips | Details |
|---|---|
Maximise Top Merchant Cashback | Prioritise using the card on the top partner merchants (Amazon, Flipkart, Swiggy, etc.) to earn 5% cashback up to the monthly limit of ₹1,000. |
Track Monthly Caps | Monitor the 5% cashback limit of ₹1,000 per month to optimise spending across high-cashback merchants. |
Reach Quarterly Milestones | Plan spending to achieve ₹1 lakh in retail transactions each quarter to earn ₹1,000 gift vouchers consistently. |
Redeem CashPoints Strategically | Accumulate CashPoints and redeem them for maximum value items, statement credits, or transfer to savings account for cash. |
Enable Digital Alerts | Set up SMS, email, and app notifications for all transactions to monitor spending patterns and detect unauthorised usage immediately. |
Use Contactless Payments | Utilise the tap-and-pay feature for quick and convenient checkout at retail outlets and restaurants. |
The HDFC Bank Millennia Credit Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.