HDFC 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 millennials, this card offers a lot of benefits in several categories including Cash-Back, Lounge Access, Dining, Lost Card liability, hdfc credit card smart 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: Rs. 25,000 Monthly. 
  • For self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: Income tax return should be greater than Rs. 6 lakh annually for hdfc bank credit card application.
  • 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 (Income Tax Return)
    • Self-employed person
      • Latest income tax return. 
      • Proof of business
      • Recent audited financial report. 


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


All the hdfc millenia credit card offers are discussed below 

  • Welcome Benefit:

With the payment of the hdfc millennia credit card joining fee, you will get 1000 cash points as a welcome gift. Also with a spend of Rs. 1, 00,000 with your card within each calendar quarter of the first year; you will get an Rs. 1000 hdfc credit card gift voucher. This offer is for the first year only.

  • Cash-back Benefit: 

With payzapp Flipkart offer, you will get a 5% Cash-Back on Flipkart, Amazon, hotel, and Flight tickets booked through PayZap and with smart buy hdfc . The maximum Cash-Back amount you can earn is Rs. 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 Rs. 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 Rs. 750 per month (Min Transaction amount Rs. 1000).

All Cash-Back benefits are applicable on hdfc credit card loan payment too. 1 Cash-Back = 1 cash point = Rs. 0.30. Cash point validity: Within 1 year of accumulation. You can check your hdfc credit card 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:

The hdfc credit card dining offers are very impressive, 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 Rs. 250 waivers in a month, min transaction amount should be Rs. 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 of the benefits, you should contact the hdfc credit cards customer service as soon as possible.   

  • Fee Waiver: 

If you can spend Rs. 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 Rs. 1, 00,000 with your millennia card, within a year then the hdfc credit card annual fee for the next year will be waived off. 

Also, if you can spend Rs. 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 payment online billdesk and you can pay your bills very easily through net banking or UPI.

  • EMI on hdfc credit card

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

Before converting a transaction into EMI you should check your remaining hdfc millennia credit card limit from your net banking or mobile banking account. The hdfc credit card smart emi interest rate is about 18%. If you are thinking about how to convert emi in hdfc credit card online then you should visit our HDFC credit card FAQs page

  • Contactless Facility: 

Your hdfc millennia card comes with a contactless payment facility, it makes hdfc credit 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 fr you can pay your utility bills and earn benefits. 

  • HDFC Smart Pay:

HDFC Bank has also introduced a new feature named hdfc credit card smart pay where hdfc you have to register your hdfc millennia credit card first.

  • 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:  

  • HDFC credit card cash withdrawal charges: 2.5% against the withdrawn amount or Rs. 500 whichever is higher.
  • HDFC credit card finance charges: 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 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 bank credit card upgrade. You can also explore various types of hdfc credit card and choose a premium credit card. 

But if you like to explore some more options check the alternative card options given below.

Alternative options: 

  1. Axis Bank My Zone Credit Card. (Best for Cashback and Dining)
  2. HSBC Cash-Back Credit Card. (Best for Cashback, Lounge Access, and Dining)
  3. ICICI Bank Coral American Express Credit Card. (Best for Lounge access, Reward Points, and Movie)
  4. Yes Prosperity Cash-Back Credit Card. (Best for Cashback, Fuel Surcharge Waiver, and Lifestyle Benefit)

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