HDFC Bank
HDFC Millennia Credit Card
Discover the HDFC Millennia Credit Card, your go-to cashback card for online shopping. Enjoy rewards on platforms like Amazon, Swiggy, and more!
Highlights
Main benefits
- ₹1000 worth gift voucher on spends of ₹1 Lakh
- Welcome benefit of 1,000 CashPoints
- 1% fuel surcharge waiver
- Dining discounts via Swiggy Dineout
- Smart EMI and contactless payment support
- Up to 8 domestic airport lounge visits/year
Fees
Fees and charges
Joining fee
₹1000
Renewal fee
₹1000
Annual fee waiver
Spend over ₹1,00,000 in a year before renewal to get your Credit Card fee waived.
Who can apply
Eligibility
- Indian resident
- Age: 21–40 years
- Net monthly income for Salaried Applicants: Above ₹35,000
- Self-Employed Applicants having ITR: Above ₹6 lakh per annum.
- Good credit score preferred (usually 750+ improves approval chances).
Checklist
Documents required
- PAN card
- Aadhaar/passport/driving licence
- Address proof
- Salary slips or ITR/bank statements
Process
How to apply
1. Visit the official Millennia card page.
2. Click on “Apply Now”
3. Enter your details
- Mobile number
- PAN card
- Date of birth
- Employment and income details
4. Check eligibility HDFC may instantly show whether you are eligible and your likely card offer.
5. Upload documents (if required)
- PAN card
- Aadhaar/address proof
- Salary slips or bank statements
- ITR for self-employed applicants.
6. Complete Video KYC / OTP verification Digital verification is usually done online for faster approval.
7. Application review and approval HDFC checks:
- Credit score
- Income
- Employment profile
- Existing banking relationship.
8. Card delivery After approval, the physical card is dispatched to your registered address.
Value
Reward and cashback structure
Reward rate
1% cashback on most other eligible spends.
Cashback
5% CashBack on leading brands - Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, Uber, BookMyShow, Sony LIV and Cult.fit.
Good fit
Pros
- High 5% cashback on popular online platforms
- 1% cashback on most regular eligible spends.
- Welcome benefit of 1,000 CashPoints
- 1 CashPoint = ₹1 statement credit.
Watchouts
Cons
- 5% cashback has monthly caps, limiting rewards.
- Lounge access is spend-based and not automatic.
- Not ideal for frequent international travelers.
- Limited travel and international benefits.
Related
Related cards
Compare
Compare Cards
| Field | HDFC Millennia Credit Card | HDFC Diners Club Black METAL Credit Card |
|---|---|---|
| Bank/provider | HDFC Bank | HDFC Bank |
| Joining fee | ₹1000 | ₹10,000/- plus Applicable Taxes |
| Renewal fee | ₹1000 | ₹10,000/- plus Applicable Taxes |
| Best for | Online shopping, Cashback seekers, Swiggy/Zomato/Amazon/Flipkart users | Luxury travel, airport lounge access, and maximum reward points on high spending |
| Reward rate | 1% cashback on most other eligible spends |
|
| Cashback | 5% CashBack on leading brands - Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, Uber, BookMyShow, Sony LIV and Cult.fit | Cashback redemption value: around ₹0.30 per point against statement balance |
| Lounge access | Quarterly spend-based Domestic Airport Lounge Access | Unlimited lounge access to 1,300+ lounges in India and abroad for primary and add-on card members |
| Fuel surcharge waiver | 1% fuel surcharge waiver | 1% waiver at fuel stations across India on transactions above ₹400, with a maximum waiver of ₹1,000 per statement cycle |
| Welcome benefit | Flat ₹1100 rewards when applied through cashkaro | Annual memberships of Club Marriott, Amazon Prime and Swiggy One on 1.5 Lakh spends in first 90 days |
| Annual fee waiver condition | Spend over ₹1,00,000 in a year before renewal to get your Credit Card fee waived | Spend ₹ 8 lakh in 12 Months and get Renewal Fee waived for next renewal year |
| Eligibility |
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| Apply link | Apply | Apply |