HDFC Bank Millennia Credit Card Review

In the past few years credit card uses in India has significantly increased and to catch the moment, HDFC bank has introduced the hdfc millennia credit card targeting the millennial, millennia credit card offers a lot of benefits in several categories including Cash-Back, Lounge Access, Dining, Lost Card liability, hdfc easy EMI and lots more. The hdfc credit card details are given below.

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 60 yrs. 
    • Income: ₹25,000 Monthly. 
  • For self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: Income tax return should be greater than ₹6 lakh annually for hdfc bank credit card apply.
  • Good CIBIL score ( >750).
  • Good relation with the bank. 

Required Documents:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Latest salary-slip, 3 months.
      • ITR
    • Self-employed person
      • Latest income tax return. 
      • Proof of business
      • Recent audited financial report. 

The List of the document given above are just indicative, you may or may not need some more documents for hdfc credit card apply. 


  • Joining Fee: ₹1000 + GST
  • Annual Fee: ₹1000 + GST (Can be waived off,  if ₹1,00,000 spend in a year)


All the Millennia hdfc credit card offers are discussed below 

  • Welcome Benefit:

With the payment of hdfc millennia credit card joining fee, you will get 1000 cash points as a welcome gift. 

Also with a spend of ₹1,00,000 with your card within each calendar quarter of the first year, you will get a ₹1000 gift voucher. This offer is for the first year only.

  • Cash-back: 

With payzapp Flipkart offer you will get a 5% Cash-Back on Flipkart, Amazon, hotel, and Flight tickets booked through PayZap and with smartbuy hdfc . The maximum Cash-Back amount you can earn is ₹750 per month. 

You will also get a 2.5% Cash-Back on all hdfc credit card payments made for online purchases, you can earn a maximum Cash-Back of ₹750 per month (min. purchase amount Rs. 2000).

Your hdfc millennia card also offers 1% Cash-Back on each offline hdfc card payment, wallet reload, and POS. The maximum Cash-Back you can earn is ₹750 per month (Min Transaction amount ₹1000).

All Cash-Back benefits are applicable on EMI transactions too.

1 Cash-Back = 1 cashpoint = ₹0.30.

Cashpoint validity: Within 1 year of accumulation.

You can check the hdfc cc status through net banking. 

  • Lounge Access: 

With your hdfc millennia credit card, you will get 8 complimentary domestic lounge accesses in a year. You will get a maximum of 2 accesses per quarter. 

  • Dining Benefit:

With your hdfc millennia, you can enjoy dining with a 40% discount on your dining bill. 

  • Fuel surcharge waiver: 

Your hdfc card offers a 1% waiver on fuel surcharges. You can earn a maximum of ₹250 waivers in a month, min hdfc cc payment amount should be ₹400. 

  • Lost card liability:

In case of loss, theft, or damage, your millennia card can be replaced easily, cardholders are also protected with zero lost card liability. It only covers the frauds that happen after reporting. But to avail the benefits you should contact the hdfc credit cards customer service as soon as possible.   

  • Fee Waiver: 

If you can spend ₹30,000 or more on your hdfc credit card payments within the first 90 days of the card issuance then the joining fee of the card will be waived off. 

Also, if you can spend ₹1,00,000  with your millennia card, within a year then the annual fee for the next year will be waived off. 

You can make your hdfc online credit card payment very easily, just go to the HDFC Credit Card bill desk and you can pay your bills very easily through net banking or UPI. 

  • EMI facility: 

With easy EMI hdfc credit card offers you to convert your high-value purchases into EMIs. 

You can convert your purchases into EMI just go to hdfc credit card login and select the bill amount to convert it into EMI. You will get a competitive hdfc credit card EMI interest rate.

  • Contactless Facility: 

Your hdfc millennia card comes with a contactless payment facility, it makes hdfc card payment very easy and it also reduces the chance of misplacement of cards on the counter. 

For safety reasons try to hide your hdfc credit card number and other details from strangers. 

  • HDFC Smart Pay:

HDFC Bank has also introduced a new feature named hdfc smartpay where you can pay your utility bills and earn benefits. For enjoying the benefits of smartpay hdfc you have to register your hdfc millennia credit card for that. 

  • EMV Chip Card:

All hdfc cards have a built-in EMV chip this chip is specially designed to make your hdfc bank credit card payment more secure. 

Millennia hdfc credit card charges:  

  • Cash Withdrawal Charge:

    2.5% against the withdrawn amount or ₹500 whichever is higher. 

  • Finance Charge:

    3.6% monthly. ( Not applicable if hdfc bank credit card bill payment is done on time)

  • Foreign currency transaction:

    3.5% against the transaction amount. 

Contact Details of hdfc bank credit cards :


  • 080 61606161
  • <City Code> 61606161


100xGain Ratings:


Final Opinion:

HDFC millennia is a hustle-free and easy-to-use credit card, which makes it useful and beneficial for beginners.  They can enjoy several hdfc credit card offers like Cash-Back on hdfc credit card payments made online, flight booking, and every offline purchase. They can also improve their CIBIL score by using this card and later go for an hdfc credit card upgrade. You can also explore various hdfc credit card types and choose a premium credit card like HDFC Infinia Credit Card

Needless to say, this card offers way more than it costs. But there are not enough benefits for golf lovers, so if you are a golf lover and you want a credit card for golf games then you can go for the HDFC Diners Club Black credit card, it offers free golf rounds and a lot of lifestyle & travel benefits. But if you want to get golf benefits at a low cost then you may go for the Axis Select Credit Card or Yes First Preferred Credit Card.  

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