HDFC Millennia Credit Card

Product Overview

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.

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 and 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: ₹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

Q1. What cashback does HDFC Millennia Credit Card offer?
Ans. It offers 5% cashback on popular online brands and 1% on other spends.

Q2. Is there any annual fee waiver?
Ans. Yes, annual fee is waived on ₹1 lakh yearly spend.

Q3. What are CashPoints?
Ans. CashPoints are rewards that can be redeemed against statement balance or vouchers.

Q4. Does it provide fuel benefits?
Ans. Yes, 1% fuel surcharge waiver is available on eligible transactions.

Q5. Who should apply for this card?
Ans. 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