HDFC Bank Millennia Credit Card
Available on Visa, Mastercard, and RuPay under this canonical card.
Opt for the RuPay variant to enable seamless credit card payments via UPI QR codes with identical rewards & fees.
About HDFC Bank Millennia Credit Card
HDFC Bank’s Millennia Credit Card, one can say, is the ideal card for someone who has just started working and loves to shop online. Not only that, it gives you 5% CashBack on India’s most popular online shopping websites, Amazon and Flipkart. On non-partner brands, you get 1% cashback on offline and online spends. It is also one of the cards to vouch for building a solid credit profile.
Rewards and Benefits
Verified privileges, welcome benefits, movie discounts, and airport lounge schedules.
| Category | Details & Conditions |
|---|---|
| 💳Supported Networks | Available on Visa, Mastercard, and RuPay. Choose RuPay variant for linked UPI scan-and-pay transactions at merchant QR codes. |
| 🍽️Movie & Dining | Flat ₹200 Discount on Swiggy Dineout (Minimum Order Value ₹2,00,0). Valid Twice Each Month |
| ⚡Rewards Rate | 5% Cashback Up to 1,000 CashPoints at Top Ten Online Merchants in India. 1% Cashback Up to 1,000 CashPoints on Other Eligible Spends & UPI (RuPay) |
| 📱UPI Scan & Pay (RuPay) | Link RuPay variant to UPI apps (PayZapp, Google Pay, PhonePe) for 1% cashback on merchant QR payments. |
| 💰Reward Redemption | 1 Cash Point = ₹1 When Redeemed Against Credit Card Statement |
| ✈️Travel | N/A |
| 🛋️Domestic Lounge Access | No complimentary access (Standalone access discontinued effective 1 Dec 2023; optional 1 lounge visit voucher selectable under quarterly milestone on ₹1 Lakh spend) |
| 🌐International Lounge Access | N/A |
| ⛳Golf | N/A |
| 🛡️Insurance Benefits | N/A |
Fees & Charges
Transparent schedule of annual charges, spend-based reversals, finance APR, and cash advance rates.
| Fee / Charge | Amount & Conditions |
|---|---|
| Spend-Based Waiver | ₹1,000 + GSTSpend target in anniversary year to reverse renewal fee. |
| Interest Rates / Finance Charges | 3.75% Per Month (45.00% Annually)Standard finance charge applicable on revolving retail balances and ATM cash advances until complete settlement (revised w.e.f. August 2024). |
| Late Payment Charges | Nil (Up to ₹100), ₹100 (₹101–₹500), ₹500 (₹501–₹1,000), ₹600 (₹1,001–₹5,000), ₹750 (₹5,001–₹10,000), ₹900 (₹10,001–₹25,000), ₹1,100 (₹25,001–₹50,000), ₹1,300 (Above ₹50,000)Tiered late payment charge based on total outstanding balance if Minimum Amount Due is not paid by payment due date. |
| Foreign Currency Markup | 3.50% + GSTStandard cross-currency conversion fee applicable on overseas transactions and foreign currency billing. |
| Dynamic Currency Conversion (DCC) | 1.00% + GST Markup FeeApplicable on transactions carried out in Indian Currency (INR) at an international location or overseas-registered merchants. |
| Rewards / Cashback Redemption Fee | ₹99 + GST per redemption request (₹50 for statement cashback)Applicable on catalogue, gift voucher, or statement cashback redemptions via HDFC NetBanking or SmartBuy. |
| Fuel Surcharge Waiver | 1% Fuel surcharge waiver on transactions between ₹400 and ₹5,000 (Max ₹250 per statement cycle)Surcharge waiver excludes GST. Valid across all fuel stations in India. Fuel spends do not accrue reward points. |
| High-Value Fuel Spend Surcharge | 1% fee on fuel spends exceeding ₹15,000/month (Capped at ₹4,999/txn)Applicable on cumulative fuel spends above the monthly threshold in a calendar month. Surcharge is capped at ₹4,999 per transaction. |
| Cash Advance Charges | 2.5% of transaction amount or ₹500 (whichever is higher)Domestic & International ATMs. Finance charge of 3.75% p.m. applies from the date of withdrawal until full payment. |
| Overlimit Charges | 2.5% of Overlimit Amount (Min ₹550)Applicable if retail or merchant transactions exceed the sanctioned credit limit (subject to explicit cardholder consent). |
| Rental Transaction Surcharge | 1% fee capped at ₹4,999 per transactionProcessing fee levied on rental payments via platforms like CRED, Paytm, NoBroker, etc. (w.e.f. 1st July 2025). |
| Online Skill-based Gaming Surcharge | 1% fee on spends exceeding ₹10,000/month (Capped at ₹4,999/month)Applicable on online skill-based gaming transactions exceeding ₹10,000 cumulative in a calendar month (w.e.f. 1st July 2025). |
| Wallet Loading Surcharge (excl. PayZapp) | 1% fee on loads exceeding ₹10,000/month (Capped at ₹4,999/month)Applicable on wallet loading transactions exceeding ₹10,000 cumulative in a calendar month (PayZapp wallet loading is exempt, w.e.f. 1st July 2025). |
| Utility Payments Surcharge | 1% fee on utility spends exceeding ₹50,000/month (Capped at ₹4,999/month)Levied on cumulative utility bill payments (electricity, gas, water) exceeding the threshold in a calendar month. Capped at ₹4,999/month. |
| Third-Party Education Fee Surcharge | 1% fee capped at ₹4,999 per transaction via third-party appsLevied on school/college fee payments made via third-party apps (CRED, Cheq, NoBroker). Zero fee on direct school/college website or POS transactions. |
| Payment Dishonour / Bounce Charges | 2% of payment amount (Min ₹450)Charged if cheque, ECS, NACH, or auto-debit instruction towards credit card payment is returned or dishonoured. |
| Card Replacement Fee | ₹100 + GSTStandard physical card re-issuance fee for lost, stolen, or damaged card. |
| Cash Payment at HDFC Branch / ATM | ₹100 + GST per transactionService fee charged for paying credit card bill via physical cash deposit at HDFC Bank branches or ATMs. |
| Railway Ticket Booking Surcharge | 1% of transaction amount + GSTStandard IRCTC transaction fee charged on railway ticket purchases. |
Product Details
Pros & Cons
HDFC Bank Millennia Credit Card Features and Benefits
Comprehensive overview of welcome benefits, quarterly spend bonuses, dining privileges, and renewal fee waiver milestones.
Welcome Benefits
In the form of welcome benefits, the cardholders will receive 1,000 bonus CashPoints on the successful realization of the joining fee.
Dining Benefits
With the HDFC Millennia Credit Card, users shall be eligible for an instant discount of ₹200 with Swiggy Dineout. This discount shall only be available twice each month (Minimum Order Value of ₹2,000) on payments made via the Swiggy app.
Quarterly Spend Benefit
On spends of ₹1 lakh or more each quarter, you shall be eligible to receive gift vouchers worth ₹1,000. Through this offer, you can earn ₹4,000 each year as gift vouchers while spending ₹4 lakh; this would also waive your annual fee.
Fuel Surcharge Waiver
1% of the fuel surcharge is waived on a minimum payment of ₹400 at all petrol stations across India (the waiver amount is capped at a maximum of ₹250 per payment cycle).
Renewal Fee Waiver
This credit card comes with an annual fee of ₹1,000, which is eligible for a waiver if the cardholder is able to spend an amount exceeding ₹1,00,000 in an anniversary year.
Interest-Free Credit Period
You can get around 50 days of interest-free credit period on the credit card from the day of purchase. This depends on when the merchant submits the charge.
HDFC Millennia Credit Card Cashback Schedule
The cashback that you get by transacting through the HDFC Millennia Credit Card is posted as CashPoints to the card account. You can redeem these CashPoints against a variety of options, including cashback (adjustment against the due balance on the card).
Cashback Settlement Schedule
Direct monthly statement adjustment and value realization rates.
| Settlement Channel | Cashback Realization | Notes |
|---|---|---|
| Cashback (Statement Credit) | ₹1.00 | Direct 1:1 balance adjustment against credit card statement (Min 500 CP) |
| Flights / Hotels on SmartBuy | ₹0.30 | Book flight tickets or hotels via HDFC SmartBuy portal |
| Product Catalog | ₹0.30 | Electronics, lifestyle items, and vouchers from HDFC rewards portal |
| Airmiles Transfer | 0.30 AirMiles | Transfer points to InterMiles, Singapore Airlines KrisFlyer, etc. |
Exclusions on Rewards Points / Cashback
In compliance with regulatory terms, the following spending categories are not eligible to earn reward points:
Eligibility Criteria for HDFC Bank Millennia Credit Card
The following table illustrates the income-based and age-based underwriting criteria:
| Criteria | Salaried Employees | Self-Employed Individuals |
|---|---|---|
| Age | 21 – 40 Years | 21 – 40 Years |
| Income Proof | Minimum ₹35,000 Per Month | Minimum ₹6,00,000 Per Annum (As Per ITR) |
| Credit Score (CIBIL) | 720+ recommended (No recent default history) | |
How to Apply for HDFC Bank Millennia Credit Card
Simple 4-step digital application process directly on the official issuer portal:
Check Eligibility
Click "Apply Now" to open the official bank application portal.
Enter Details
Provide your mobile number, PAN, and employment information.
Complete Video KYC
Verify your identity via paperless Aadhaar OTP or a quick 2-minute Video KYC.
Receive Card
Get instant virtual card access and physical card delivery within 5-7 working days.
CardIntel Score v1.1
Objective Card Quality Breakdown
CardIntel Score v1.1 measures structural card quality against a fixed ₹6 lakh annual benchmark. It evaluates 9 factors including Net Ownership ROI, without affiliate commission, editorial preference, or card slug heuristics.
1.74% effective benchmark return
Zero ownership cost with exceptional net return
No monthly or category ceilings
Rewards Catalogue
Standalone complimentary lounge discontinued; access requires ₹1L/quarter milestone voucher (0/10)
3.5% forex markup
Open retail availability
1 benefit pillars qualified
Zero material reward conditions (7/7 pts)
Why this score?
Exceptional net ownership ROI, unrestricted reward cap headroom and broad consumer accessibility. The score is reduced by the lounge access terms, forex markup and restricted redemption options.
You need to spend at least ₹34,500 per year (₹2,875/mo) on this card to fully recover its annual fee.
4-Layer Financial Intelligence
Card Economics & Net ROI
Evaluating real economic return after accounting for benchmark spending (₹6,00,000/yr), effective annual fee, and verified category caps.
Calculate Your Real Returns
What You'll Actually Earn
Calculated using CardIntel's deterministic reward rules, fee waivers, and merchant accelerated caps.
Frequently Asked Questions (FAQs)
Official guidance on applications, reward redemptions, credit limit assignments, and customer support.
You can apply for the HDFC Millennia Credit Card online through HDFC Bank's official digital portal or via pre-approved NetBanking offers. You will need your PAN card, Aadhaar for instant Video-KYC, and recent salary slips or ITR. Once approved, the virtual card details are issued within 24-48 hours.
Verified Bank MITC Provenance
All reward percentages, exclusions, and annual fee waiver rules for HDFC Bank Millennia Credit Card are verified directly against official bank regulatory filings and Most Important Terms and Conditions (MITC).
CardIntel may earn referral fees from eligible application links. These fees never influence CardIntel Scores, rankings, or recommendations.
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