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Overview Eligibility Features & Benefits Fees & Charges Documents FAQs Terms & Conditions

Product Overview

HDFC Millennia Credit Card

HDFC Millennia Credit Card is a cashback-focused credit card designed for millennials and online shoppers. It offers cashback on popular online platforms along with rewards on everyday spending, making it ideal for users who prefer direct savings over reward points.

Great Rewards
Wide Acceptance
100% Digital & Secure

Eligibility Criteria

Applicant must be an Indian resident
Age: 21 to 60 years
Salaried or self-employed individual
Stable income source
Good CIBIL score (750+ preferred)

Features & Benefits

5% cashback on Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber & more (capped monthly)
1% cashback on all other spends
Welcome benefit: ₹1,000 CashPoints on activation & spend milestone
Quarterly milestone benefit: ₹1,000 voucher on ₹1 lakh spend
Dining benefits under partner restaurants
1% fuel surcharge waiver on ₹400–₹5,000 transactions
Smart EMI option on transactions
Contactless payment enabled

Fees & Charges

Joining Fee: ₹1000 + GST
Annual Fee: ₹1000 + GST (waived on ₹1 lakh annual spend)
Joining Fee: ₹1,000 + GST
Annual Fee: ₹1,000 + GST (waived on ₹1 lakh annual spend)
Interest Rate: ~3.6% per month (~43% p.a.)
Cash Advance Fee: 2.5% (min ₹500)
Forex Markup: ~3.5%
Late Payment Charges: As per bank policy

Documents Required

Identity Proof (PAN Card mandatory)
Address Proof (Aadhaar / DL / Passport etc.)
Income Proof (Salary Slip / ITR / Form 16)
Bank Statements (last 3–6 months)
Passport-size photographs

FAQs

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It offers 5% cashback on popular online brands and 1% on other spends.

Yes, annual fee is waived on ₹1 lakh yearly spend.

CashPoints are rewards that can be redeemed against statement balance or vouchers.

Yes, 1% fuel surcharge waiver is available on eligible transactions.

Online shoppers and users who prefer cashback over reward points.

Terms & Conditions

Cashback is applicable only on eligible merchants and categories
Monthly cashback caps may apply on 5% category spends
Approval is subject to HDFC Bank credit policy
Fees and benefits may change as per bank guidelines
Late payments may attract penalties and impact credit score

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Card At A Glance
Joining Fee ₹1000 + GST
Annual Fee ₹1000 + GST (waived on ₹1 lakh annual spend)
Rewards 5% cashback on Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber & more (capped monthly)
Best For Shopping & Lifestyle
Network Visa / RuPay
Card Type HDFC BANK