HDFC Bank Millennia Credit Card
Card Summary
This card is not just for millennials but for the GenZs too! How? It offers a 5% cashback on your favourite platforms like Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato, and also a cashback of 1% on all other online and offline spends! The best part? It comes with a joining and annual fee of just ₹1,000, which is waived if you spend ₹1,00,000 or more in a year. Want to know more? Check out the review below! 👇
Quick Overview
Expert Review
Key Features
If you're an avid online shopper on Amazon, Flipkart, or Myntra, love to spend online, and frequently travel within India, the HDFC Millennia Credit Card will be the ideal card for you. It offers amazing incentives and benefits, focusing on shopping and travel cashback. For those new to the credit c...
Key Highlights
Reward Rate
Up to 3%
Annual Fee
₹1000
Rating
4.5/5
Category
Travel
Fuel Benefits
1% Fuel Surcharge Waiver
Available at all fuel stations across India
Zero Lost Card Liability
Complete Protection Against Fraud
In the unfortunate event of losing your card, report it immediately to our 24-hour call centre and you have zero liability on any fraudulent transactions made on your Credit Card.
Advantages
Users can earn points for each purchase they make.
Points are offered on wallet loads.
Limitations
No benefits are provided in terms of Cash Points or otherwise on renewal of the card.
There are limits in cashback offered on shopping after the first six months.
Reward points are not earned in real-time. Instead, they are added in bulk at the beginning of each month.
No reward points on rent payments, fuel and government transactions.
Fee and Charges
Joining Fee
₹1000
Annual Fee
₹1000
APR
43.2%
| Charge Type | Amount |
|---|---|
| Add-on Card Fee | Free |
| Cash Withdrawal Fee | 2.50% |
| Card Replacement Fee | ₹100 |
| Foreign Transaction Fee | 3.50% |
| Over Limit Penalty | 2.50% |
| Fuel Transaction Surcharge | 2.50% |
| Minimum Repayment Amount | 5% |
Late Payment Charges
| Outstanding Balance | Late Fee |
|---|---|
| Below ₹100 | ₹0 |
| ₹100 to ₹500 | ₹100 |
| ₹501 to ₹5,000 | ₹500 |
| ₹5,001 to ₹10,000 | ₹600 |
| ₹10,001 to ₹25,000 | ₹800 |
| ₹25,001 to ₹50,000 | ₹1100 |
| More than ₹50,000 | ₹1300 |
Reward Points Structure
| Rewards Category | Rate | Eligibility |
|---|---|---|
| Dining & Entertainment | 4X | Restaurants, movies, entertainment venues |
| Travel & Hotels | 4X | Airlines, hotels, travel bookings |
| Online Shopping | 2X | E-commerce platforms and online merchants |
| All Other Spends | 1X | General purchases and transactions |
Partner Merchants:
Who Should Opt for This Card?
Frequent Travelers
Perfect for those who travel frequently and need travel benefits
How to Apply
Visit the HDFC Bank website or nearest branch
Navigate to the credit cards section
Select the desired credit card
Click on "Apply Now" and fill the application form
Upload required documents (identity, address, income proof)
Submit the application and wait for verification
Receive your credit card upon approval
Processing Time
7-10 days
Eligibility Criteria
Age: 21-40 years
Residency: Indian resident
Income: ₹35000 per month
Documents Required
Proof of Identity
PAN Card, Aadhaar Card, Passport, Driver's License
Proof of Address
Aadhaar card, Driver’s 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 3 months old), latest Form 16, and the last 3 months’ bank statement.
Expert Review
Detailed Analysis
The HDFC Bank Millennia Credit Card stands out as a solid choice for those seeking a credit card with excellent rewards and benefits. With Up to 3% rewards on eligible spends, it makes a compelling option for travel enthusiasts.
The card's comprehensive insurance coverage and lounge access benefits offer added value and convenience for cardholders.
While the card offers numerous advantages, it is essential to consider the annual fee of ₹1000 and other associated charges. These factors should be weighed against the benefits offered.
Overall, the HDFC Bank Millennia Credit Card is a great option for those who want a travel credit card with excellent rewards and premium benefits. If you are looking for a card that offers good value for money, this is worth considering.
Quick Stats
Best Suited For
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