HDFC Millennia Credit Card – Benefits, Rewards, Fees, and How to Apply

Overview

The HDFC Millennia Credit Card is designed for young professionals and millennials who spend frequently on online shopping, food delivery, and entertainment. With 5% cashback on leading platforms like Amazon, Flipkart, Swiggy, Zomato, Myntra, and BookMyShow, this card ensures that every purchase brings you closer to smart savings.

Apart from cashback, the card also offers complimentary domestic lounge access, annual fee waivers on high spending, and easy redemption of reward points. For anyone who shops digitally and enjoys lifestyle benefits, the Millennia Credit Card is a smart and affordable choice.

Joining Fees

The joining and renewal charges for the HDFC Millennia Credit Card are quite competitive compared to other cashback cards.

👉 Note: The renewal fee is easily avoidable if you are a moderate spender.

Membership Benefits

Here are the major benefits of holding an HDFC Millennia Credit Card:

• Welcome Bonus: 1,000 CashPoints on payment of joining fee.
• Fuel Surcharge Waiver: 1% waiver on fuel transactions between ₹400 and ₹5,000.
• Dining Discounts: Access to Good Food Trail program with exclusive restaurant offers.
• Contactless Payments: Tap-and-pay enabled for secure and fast transactions.
• EMI Conversion: Convert big purchases into affordable EMIs directly.

Rewards

The highlight of the Millennia Credit Card is its generous cashback structure.

Note: Cashback is credited as CashPoints, which can be redeemed later.

👉 Best Use Case: If your monthly online spends cross ₹20,000, you can maximize the cashback cap easily.

Milestone Benefits

HDFC adds milestone rewards on top of regular cashback:

This ensures frequent shoppers enjoy both cashback and annual fee savings.

Redemption

CashPoints collected from the Millennia Credit Card can be redeemed in multiple ways:

👉 Pro Tip: Always redeem as statement credit or SmartBuy travel bookings to get full value.

Lounge Access

Travelers can enjoy comfort at the airport through complimentary lounge visits.

• 1 complimentary domestic airport lounge access per quarter (maximum 4 per year).
• No international lounge access is included.

This feature makes it a handy card for occasional travelers within India.

Airport Transfers

The Millennia Credit Card does not include free airport transfer services. If complimentary airport cabs or transfers are important, consider premium cards like HDFC Regalia or Infinia.

Forex Markup Fee

👉 Verdict: Not recommended for frequent foreign travelers, as forex charges are on the higher side. For global use, cards with lower forex markup are more cost-effective.

Eligibility

To apply for the HDFC Millennia Credit Card, you must meet the following eligibility requirements:

👉 Applicants with stable income and a good credit history have higher chances of approval.

How to Apply?

You can apply both online and offline for the HDFC Millennia Credit Card.

Online Application Process

1. Visit the official HDFC Bank website .
2. Navigate to the Millennia Credit Card page and click on Apply Now.
3. Fill in your personal and financial details.
4. Upload KYC documents like PAN, Aadhaar, and income proof.
5. Submit the form and await confirmation.

Offline Application Process

• Visit the nearest HDFC Bank branch.
• Fill in the physical application form for the Millennia Credit Card.
• Submit documents including ID proof, address proof, and income proof.
• The bank will verify and process your request.

Apply Online

Bottomline

The HDFC Millennia Credit Card is one of the best cashback cards for young earners, digital natives, and online shoppers. It stands out with 5% cashback on top e-commerce and food delivery platforms, domestic lounge access, and renewal fee waivers on high spends.

However, it is not the most suitable option for frequent international travelers due to the high forex markup fee (3.5%) and lack of global lounge access.

👉 Final Conclusion:

• Best For: Online shoppers, food delivery users, and entertainment lovers.
• Not Ideal For: Frequent international travelers.

If your lifestyle revolves around online spending, the Millennia Credit Card ensures that every rupee spent brings extra value back to you.