- Joining fee
₹1,000 + GST
- Annual fee
₹1,000 + GST
- Best suited for
Shopping
- Reward type
Cashback
Rewards
- 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
- Welcome benefits
1,000 CashPoints
- Reward redemption
1 Cash Point = ₹1 When Redeemed Against Credit Card Statement
Benefits
- Movie & dining
Flat ₹200 Discount on Swiggy Dineout (Minimum Order Value ₹2,000). Valid Twice Each Month
Fees & charges
- Spend-based waiver
Annual Charges Waived on Spends of ₹1 Lakh or More
- Rewards redemption fee
₹50 + GST Per Cash Redemption Request. ₹99 + GST for Other Redemptions
- Foreign currency markup
3.5% + GST
- Interest rates
3.75% Per Month (45% Annually)
- Fuel surcharge waiver
A 1% Fuel surcharge is waived if you spend between Rs. 400 and Rs. 5,000 on fuel (Max Rs. 250 per statement cycle)
- Cash advance charges
2.5% of the transaction amount, subject to a minimum fee of Rs. 500
Product highlights
- 1,000 CashPoints as a welcome benefit on card setup (subject to realization of the joining fee).
- Gift vouchers worth ₹1000 on spending ₹1 lakh or above in a quarter.
- 5% cashback at select partner online merchants, including popular e-commerce websites like Amazon and Flipkart.
- 1% cashback on all other spends except fuel, rental, and government spends.
- Up to 20% discount on partner restaurants via Swiggy Dineout.
- Renewal fee waiver on spending ₹1,00,000 in the previous year.
Pros & cons
Pros
- Get high 5% cashback on partner merchants like Myntra, Amazon, Zomato, Swiggy, Uber, etc.
- Renewal fee waiver on spending Rs. 1 Lakh in the card anniversary year
Cons
- You earn a low 1% cash back on offline/online spends at non-partner merchants
- The accelerated Cashpoints are capped at 1000 per statement cycle and you can earn 1000 Cashpoints at the normal 1x rate.
- A minimum of 500 Cashpoints are needed to redeem against the card statement balance
Eligibility
| Criteria | Salaried | Self-employed |
|---|---|---|
| Age | 21 – 40 Years | 21 – 40 Years |
| Income | Minimum ₹35,000 Per Month | Minimum ₹6,00,000 Per Annum (As Per ITR) |
FAQs
How do you apply for an HDFC Millennia credit card?
Follow these simple steps to apply for an HDFC Millenia Credit Card. Click on the Apply Now button on this page. You will be redirected to HDFC’s credit card application page, where you will need to fill out a form so that your application may be submitted.
How to redeem HDFC Millennia CashPoints?
The CashPoints earned on the HDFC Millennia Credit Card can be redeemed for cashback (adjustment against the card’s statement balance), purchasing products from the HDFC product catalog, or for flight/hotel booking.
What is the limit on the HDFC Millennia Credit Card?
Your credit limit is decided based on your income and a number of other factors, including your credit score.
Can I withdraw cash with an HDFC Millennia Credit Card?
Yes, you can withdraw cash from an ATM with HDFC Millennia Credit Card. You will be charged a cash withdrawal fee of 2.5% of the withdrawn amount, subject to a minimum charge of Rs. 500.
How can you contact HDFC Millennia Credit Card customer care?
You can place a call on HDFC’s 24×7 toll-free helpline number, 1800 266 4332, or you can also dial 1800 258 3838 on all days from 8 AM to 8 PM. Alternatively, you can also send an email to customerservices.cards@hdfcbank.com mentioning your query/complaint.