Millennia Credit Card
Rewards & Benefits
Welcome Benefits
Users can get a gift voucher equivalent to the joining fee.
Milestone Benefits
Milestone Benefit: Users will receive Rs 1000 worth of gift vouchers on spends of Rs 1,00,000 and above in each calendar quarter. Customers can either claim the gift voucher or claim a free domestic lounge visit.
Cashback Rate
Users can get 5% cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato.
1% cashback on all other spends (except Fuel) including EMI & Wallet transactions.
Upto 20% discount on partner restaurants via Swiggy Dineout.
Movie Benefits
Dining Benefits
Other Benefits
Annual fee waived off on spending Rs Rs 1 Lakhs in 12 months.
Lounge Access
Fees & Charges
Joining Fee
INR 1000
Annual Fee
INR 1000
Cash Advance Fee
Cash advance fee:2.5% or INR 500 whichever is higher.
Interest rate
3.6% per month (or 43.2% per annum)
Late Payment Fee
Late Payment Charges: Less than Rs. 100 – Nil Rs. 100 to Rs. 500 – Rs. 100 Rs. 501 to Rs. 5,000 – Rs. 500 Rs. 5,001 to Rs. 10,000 – Rs. 600 Rs. 10,001 to Rs. 25,000 – Rs. 800 Rs. 25,000 to Rs. 50,000 – Rs. 1,100 Above Rs. 50,000 – Rs. 1,300
Foreign Currency Transactions Fee
Foreign Currency Transactions % Of transaction value: 2%
Other Fees
Joining/Renewal Membership Fee – ₹1,000/- (Spend ₹1,00,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off ) | Reissue of Lost, Stolen or Damaged Card: ₹100 | Outstation Cheque Processing Charge: For Cheque value upto ₹5,000 - ₹25 and for above ₹5,000 - ₹50 | Add-on Card Fee: Lifetime Free
Cons
Low general cashback rate.
Limited value add benefits.
No free lounge visits.
No free movie tickets.
Welcome Benefit: Users can get a gift voucher equivalent to the joining fee.
Reward System: 5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato (Max cashback INR 1000 per month). 1% cashback on all other spends (except Fuel) including EMI & Wallet transactions (Max cashback INR 1000 per month). Upto 20% discount on partner restaurants via Swiggy Dineout.
Milestone Benefit: Users will receive INR 1000 worth of gift vouchers on spends of INR 1,00,000 and above in each calendar quarter. Customers can either claim the gift voucher or claim a free domestic lounge visit.
Annual fee waived off on spending INR 1 Lakh in 12 months.
Rewards & Benifits
Welcome Benefits
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Rewards System
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International Forex Markup
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Welcome Benefits and Reward System
Special Features
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Eligibility Criteria
For Salaried
Indian national
Age: Min 21 yrs & Max 40 Yrs,
Income: Gross Monthly Income> ₹35,000
For Self Employed
Indian national
Age: Min 21 yrs & Max 40 Yrs, Income: ITR > ₹6.0 Lakhs per annum
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
Eligibility Check: Check your eligibility on the HDFC Bank website or by calling their customer care.
Choose Your Variant: HDFC Millennia comes in various variants with different annual fees and reward rates. Choose the one that best suits your spending habits.
Apply Online: The easiest way to apply is online through the HDFC Bank website. You'll need to provide basic information, income details, and supporting documents.
Document Verification: HDFC Bank will verify your documents and credit score.
Card Approval: If approved, you'll receive your HDFC Millennia Credit Card within 7-10 business days.
Contact Details
Toll free no. 800 202 6161 / 1860 267 6161
Account Opening and Procedure
Recommended Credit Cards
Pros:-
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Cons:-
Welcome Benefit: Users can get a gift voucher equivalent to the joining fee.
Reward System: 5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato (Max cashback INR 1000 per month). 1% cashback on all other spends (except Fuel) including EMI & Wallet transactions (Max cashback INR 1000 per month). Upto 20% discount on partner restaurants via Swiggy Dineout.
Milestone Benefit: Users will receive INR 1000 worth of gift vouchers on spends of INR 1,00,000 and above in each calendar quarter. Customers can either claim the gift voucher or claim a free domestic lounge visit.
Annual fee waived off on spending INR 1 Lakh in 12 months.
Low general cashback rate.
Limited value add benefits.
No free lounge visits.
No free movie tickets.
The HDFC Bank Millennia Credit Card is a good option for young professionals and millennials who spend frequently on the partnered categories like Amazon, Swiggy, and movies. The high rewards on these spends, welcome bonus, fuel surcharge waiver, and other benefits offer decent value. However, the limited reward scope, lower point value, limited redemption options, and annual fee requirements might discourage those with diverse spending habits, seeking wider benefit options, or desiring the highest possible point value redemption.
The HDFC Bank Millennia Credit Card is a good option for young professionals and millennials who spend frequently on the partnered categories like Amazon, Swiggy, and movies. The high rewards on these spends, welcome bonus, fuel surcharge waiver, and other benefits offer decent value. However, the limited reward scope, lower point value, limited redemption options, and annual fee requirements might discourage those with diverse spending habits, seeking wider benefit options, or desiring the highest possible point value redemption.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
Product Review
Fees & Charges
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Fuel Surcharge
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Billing Cycle
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