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Millennia Credit Card

Product Details
Credit Card Name : 

Millennia Credit Card

Bank Name :

HDFC Bank

Type :

Lifestyle Credit Card

Interest Rate : 

3.6% per month (or 43.2% per annum)

Eligibility :

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

Millennia Credit Card
Pros
  • 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: INR 1000 worth gift vouchers on spends of INR 1,00,000 and above in each calendar quarter. Customers can either claim the gift voucher or claim free domestic lounge visit. 

  • Welcome Benefit: By paying your Joining Membership Fee you can get Gift Voucher equivalent to the Fee Amount. 

  • Annual fee waived off on spending INR 1 Lakh in 12 months. 

Cons
  • Low general cashback rate.

  • Limited value add benefits. 

  • No free lounge visits.

  • No free movie tickets. 

Pros & Cons
Welcome Benefits

Welcome Benefit: By paying your Joining Membership Fee you can get Gift Voucher equivalent to the Fee Amount. 

Rewards System

Reward System: 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.

International Forex Markup

3.5%.

Welcome Benefits and Reward System
Special Features

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).

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

Benefits
  • Good cashback.

  • Decent welcome benefit.

Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
  1. Eligibility Check: Check your eligibility on the HDFC Bank website or by calling their customer care.

  2. 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.

  3. 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.

  4. Document Verification: HDFC Bank will verify your documents and credit score.

  5. 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
Millennia Credit Card

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

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
  • 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 ) 

  • Foreign Currency Transactions % Of transaction value: 2% 

  • 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 

  • 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

Fuel Surcharge

1% fuel surcharge waiver at all fuel stations across India (on minimum transaction of ₹400 & maximum transaction of ₹5,000. Maximum waiver of ₹250 per statement cycle)

Billing Cycle

30 Days

Fees & Charges
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