HDFC Bank
HDFC Millennia Credit Card
Discover the HDFC Millennia Credit Card, your go-to cashback card for online shopping. Enjoy rewards on platforms like Amazon, Swiggy, and more!
Highlights
Main benefits
- ₹1000 worth gift voucher on spends of ₹1 Lakh
- Welcome benefit of 1,000 CashPoints
- 1% fuel surcharge waiver
- Dining discounts via Swiggy Dineout
- Smart EMI and contactless payment support
- Up to 8 domestic airport lounge visits/year
Fees
Fees and charges
Joining fee
₹1000
Renewal fee
₹1000
Annual fee waiver
Spend over ₹1,00,000 in a year before renewal to get your Credit Card fee waived.
Who can apply
Eligibility
•Indian resident •Age: 21–40 years •Net monthly income for Salaried Applicants: Above ₹35,000 •Self-Employed Applicants having ITR: Above ₹6 lakh per annum. •Good credit score preferred (usually 750+ improves approval chances).
Checklist
Documents required
•PAN card •Aadhaar/passport/driving licence •Address proof •Salary slips or ITR/bank statements
Process
How to apply
1. Visit the official Millennia card page. 2. Click on “Apply Now” 3. Enter your details •Mobile number •PAN card •Date of birth •Employment and income details 4. Check eligibility HDFC may instantly show whether you are eligible and your likely card offer. 5. Upload documents (if required) •PAN card •Aadhaar/address proof •Salary slips or bank statements •ITR for self-employed applicants. 6. Complete Video KYC / OTP verification Digital verification is usually done online for faster approval. 7. Application review and approval HDFC checks: •Credit score •Income •Employment profile •Existing banking relationship. 8. Card delivery After approval, the physical card is dispatched to your registered address.
Value
Reward and cashback structure
Reward rate
1% cashback on most other eligible spends.
Cashback
5% CashBack on leading brands - Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, Uber, BookMyShow, Sony LIV and Cult.fit.
Good fit
Pros
- High 5% cashback on popular online platforms
- 1% cashback on most regular eligible spends.
- Welcome benefit of 1,000 CashPoints
- 1 CashPoint = ₹1 statement credit.
Watchouts
Cons
- 5% cashback has monthly caps, limiting rewards.
- Lounge access is spend-based and not automatic.
- Not ideal for frequent international travelers.
- Limited travel and international benefits.
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