HDFC Millennia Credit Card Review

The hdfc millennia credit card is one of the most popular credit cards among the Indians looking for their first credit card. It is a mid-tier low-cost credit card crafted specifically for those who want to earn cashbacks from their daily expenses. Targeting the millennials this card offers attractive cashbacks on every transaction, free access to airport lounges, attractive discounts on dining, and lots more. Now let’s take a closer look at the benefits and see how beneficial this millennia hdfc credit card is going to be.

How does the hdfc bank millennia credit card eligibility criteria work?

  • Resident Type: Indian. 
  • HDFC millennia credit card eligibility criteria for salaried person:
    • Age: 21 to 60 yrs. 
    • Income: Rs. 25,000 Monthly. 
  • HDFC credit card eligibility criteria for self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: Income tax return should be greater than Rs. 6 lakh annually.
  • A good CIBIL score (750 or more) is required to apply for this HDFC millenia credit card.

As you submit your hdfc credit card application, you will get a unique application id you can use to track your hdfc millennia credit card application status

What documents are required to apply for the millennia hdfc credit card?

  • 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. 

Nowadays, all new hdfc credit cards are delivered in an inactive state, so if you want to know how to activate hdfc millennia credit card for the first time, then make sure to take a look at our faq page.

How much are the hdfc millennia credit card fees?

  • HDFC millennia credit card joining fee: Rs. 1000 + GST
  • HDFC bank millennia credit card annual charges: Rs. 1000 + GST (Can be waived off, on spending Rs.1,00,000 within a year)

How does the hdfc millenia credit card benefit you?

  • Start your credit card journey with a wonderful welcome gift:

With your hdfc card activation and realization of the first-year hdfc credit card membership fee, you will get 1000 hdfc cash points as a welcome gift. 

  • Make your every transaction rewarding:

This HDFC millennia credit card comes with a powerful cashback scheme that can add more value to your transactions. 

Category of transaction

Rate of earning cashback 

Amazon, BookMyShow, Tata CLiQ, Soni Liv, Swiggy, Uber, Zomato, Cult. fit, etc.  5% cashback. 
All other transactions, except fuel transactions.  1% cashback. 

1 Cash-Back = 1 cash point = Rs. 0.30. The cashpoints are valid for 1 year from the date of their accumulation. You can check your hdfc credit card status through your hdfc credit card net banking account.

  • Make travel comfortable with complimentary lounge access:

Using your hdfc new millennia credit card, you can get up to 8 free yearly accesses at most of the domestic airport lounges. The lounge access benefit is limited to 2 free accesses per quarter. Click here to find the hdfc millennia credit card lounge access list.

  • Experience exclusive deals on dining expenses:

The hdfc credit card dining offers are very impressive, you will get a 20% discount on your dining bills at most of the frontline restaurants in India.

  • Enjoy freedom from paying fuel surcharges: 

If you use this hdfc bank credit card to purchase fuel from any Indian fuel station, you will get a 1% waiver on fuel surcharges. The transaction amount should be between Rs.400 to Rs.5,000, and you can earn a maximum of Rs.250 waiver per hdfc card statement cycle.

  • Complimentary lost card liability coverage to support you:

This hdfc millennia credit card features a complimentary lost card liability coverage, which means if your millennia credit card ever gets lost or stolen, you just have to report it by calling the hdfc millennia credit card customer care number, and you will no longer be liable for anything bad that may happen to your account. 

  • Earn extra benefits from milestone spending:

You can also earn some bonus gifts on achieving spending milestones. Following are the details of the hdfc millennia credit card milestone benefit scheme.

Total spend

Total benefit

Rs.1,00,000 within a calendar quarter.  A hdfc gift voucher worth Rs.1000
Rs.1 lakh within a year.  A complete waiver on your next year’s hdfc credit card annual fee
  • Make repayment easier with the hdfc credit card smart emi option:

Using the hdfc credit card emi option, you can convert any of your high-value transactions into small monthly installments. You can also calculate the applicable hdfc credit card smart emi interest rate and monthly installment amount from the hdfc credit card emi calculator. If you are thinking about how to convert emi in hdfc credit card online then you should visit our HDFC credit card FAQs page.

  • Enjoy the convenience of the contactless payment facility:

HDFC bank has equipped this millennia hdfc credit card with the advanced contactless payment facility. This feature allows you to make payments just by placing your card over any contactless-enabled POS machine. You can control the contactless hdfc credit card payment option from your net banking account, click here to go to the hdfc credit card login page.

  • Make life easier with the convenient hdfc credit card bill payment options:

You can pay hdfc card bill online from your net banking account or by using the hdfc credit card app. You can also use any credit card payment app like Cred, Paytm, Phone Pe, Google pe, etc. If you don’t like the online payment options, then make sure to take a look at our faq page to know how to pay hdfc millennia credit card bill offline?

  • Cutting edge security of advanced EMV chip:

This hdfc millennia credit card is armed with the advanced EMV chip. These chips use a very strong encryption method to store your data, making your hdfc millennia card nearly impossible to clone. 

What are the hdfc millennia credit card charges:


Payable amount

HDFC credit card cash withdrawal charges. 2.5% against the withdrawn amount, min Rs.500 (Check your remaining hdfc millennia credit card limit before making a withdrawal).
HDFC credit card finance charges. 3.6% monthly (Not applicable if hdfc bank credit card bill payment is done on time).
HDFC millennia credit card international transaction charges. 3.5% against the transaction amount.
HDFC add-on credit card fee. Free for a lifetime.

How to contact the hdfc millennia credit card customer care department?

  • Call the hdfc millennia credit card customer care number: ​​1800-266-4332 (Toll-Free) or 022-6160-6161
  • Write to the hdfc millennia credit card customer care mail id: 

100xGain Ratings:


Pros and Cons of the millennia hdfc credit card:



  • The hdfc millennia card gives you huge savings on online expenses.
  • You can get some free access to domestic airport lounges using this hdfc credit card.
  • You can also earn a handsome waiver on fuel surcharges.
  • The lounge access benefits are only applicable at domestic airport lounges.
  • The hdfc bank millennia credit card annual fee seems a bit high.

Final Opinion:

After analyzing the hdfc millennia credit card benefits, I can clearly see that this card is ideal for first-time applicants, and for those who are looking for a credit card for their everyday usage. The most attractive feature of the hdfc bank millennia card is the free lounge access and the exclusive cashback offer that can offer you some handsome savings every hdfc millennia credit card billing cycle

But if you are looking for benefits like complimentary golf rounds or discounts on travel booking, etc. then feel free to take a look at our top credit card pages. You can also compare the alternative card options given below.

Alternative cards of the hdfc bank millennia credit card

  1. Axis bank my zone credit card (Best for Cashback and Dining)
  2. HSBC cashback credit card (Best for Cashback, Lounge Access, and Dining)
  3. ICICI coral american express credit card (Best for Lounge access, Reward Points, and Movie)
  4. Yes prosperity cashback credit card (Best for Cashback, Fuel Surcharge Waiver, and Lifestyle Benefit)



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