HDFC Bank Millennia Credit Card
- Updated On: 10 February, 2026
A cashback credit card by HDFC Bank, the Millennia Credit Card targets the Gen-Y – the ‘90s kids or the millennials. As a basic entry-level credit card, this card has an annual fee of ₹1,000. Keeping its target customers in mind, HDFC Bank offers a 5% cashback on ten popular merchants in India including Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, and Zomato, and a cashback of 1% on all other eligible online and offline spends.
As the card gives you a reward rate of 5% on Amazon and Flipkart, you are essentially getting the benefit of both Amazon Pay ICICI and Flipkart Axis Credit Card (and much more) in one card. The cashback earned with the card is processed as CashPoints, which can be redeemed against the card’s statement balance for flight/hotel reservations or for purchasing products from the HDFC product catalog. Also, the card offers great gift vouchers for meeting the milestone spend criteria of ₹1 lakh every quarter. Keep reading our HDFC Bank Millennia Credit Card review to know more about the card, its offerings, fees and charges, and other information.
HDFC Bank Millennia Credit Card
( 4.8 / 5 )
- Joining Fee
- Annual Fee
- Best Suited For
- Reward Type
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
Rewards and Benefits
Movie & Dining
Flat ₹200 Discount on Swiggy Dineout (Minimum Order Value ₹2,000). 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
Reward Redemption
1 Cash Point = ₹1 When Redeemed Against Credit Card Statement
Travel
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Golf
N/A
Insurance Benefits
N/A
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 Details
- 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
HDFC Millennia Credit Card Features and Benefits
Apart from the cashback benefit, the HDFC Millennia Credit Card also offers many other benefits to the cardholders. The benefits include bonus CashPoints as a welcome gift, complimentary airport lounge access, dining discounts, and many more.
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
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 (details below), including cashback (adjustment against the due balance on the card). HDFC Millennia Card earns you-
- A cashback of 5% on 10 partner online merchants- Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, and Zomato.
- A cashback of 1% on all eligible other online and offline spends.
- The CashPoints earned under the 5% and 1% categories are capped at 1,000 CashPoints per statement cycle each (a maximum of 2,000 CashPoints can be earned in a given statement cycle).
HDFC Millennia Credit Card Reward Point Redemption
- As mentioned, the cashback earned on the HDFC Millennia Credit Card is credited as CashPoints to the card account at the end of the statement cycle. The CashPoints that you receive can be redeemed for a variety of options, which include cashback (i.e., adjusting them against the statement balance of the credit card), flight/hotel bookings via SmartBuy, product purchases from the bank’s catalog of products and partner airlines’ AirMiles.
| Value of CashPoints on Redemption | |||
| Product Catalog | Flights/Hotels on Smartbuy | Cashback | Airmiles |
| ₹0.30 | ₹0.30 | ₹1 | 0.30 AirMiles |
- A minimum of 500 CashPoints are required for redemption against the card’s statement balance.
- CashPoints are valid only for 2 years and will expire thereafter.
- You have to pay a fee of ₹50 for every cash against statement redemption request you make.
Exclusion on Rewards Points/Cashback
The following spending categories are not eligible to earn Cashpoints –
- Fuel
- Rent
- Govt Related Transactions
- Education
- EMI Transactions
- Wallet Loading
- Cash Advance
- Payment of Card Fees
- Smart EMI/Dial an EMI Transactions
Who Should Sign Up for an HDFC Millennia Card?
As the name suggests, The HDFC Millennia card should be the card of choice for young professionals who plan to begin their credit journey and build a strong credit profile. HDFC Bank, keeping its target customers in mind, offers extra shopping benefits from partner websites, including Amazon, Swiggy, Zomato, Uber, and Flipkart. Whether you are a travel enthusiast, a movie buff, a foodie, or a shopaholic, this card has something for you. Unlock your savings journey with the HDFC Millennia Card.
Eligibility Criteria for HDFC Millennia Credit Card
The following table illustrates the income-based and age-based eligibility criteria for HDFC Bank Millennia Credit Card-
| Criteria | Salaried Employees | Self-Employed Individuals |
| Age | 21 – 40 Years | 21 – 40 Years |
| Income | Minimum ₹35,000 Per Month | Minimum ₹6,00,000 Per Annum (As Per ITR) |
Compare HDFC Millennia Credit Card With Other Popular Cards
The following table compares HDFC Bank’s Millennia credit card with similar credit cards.
| HDFC Millennia Credit Card | IDFC Millennia Credit Card | SBI SimplyCLICK Credit Card | Axis Bank Ace Credit Card | |
| Reward Structure | Cashback (earned as CashPoints) | Reward Points | Reward Points | Cashback |
| Reward Rate at Partner Merchants | –5% cashback (earned as CashPoints) at partner merchants, including Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, and Zomato. -1% cashback on all other online/offline spends. -1CP = ₹1 |
-3 Reward Points/₹200 spent offline and online up to spends of ₹20,000 -10 Reward Points/₹200 on spends above ₹20,000 -1 Reward Point = ₹0.25 |
-10 Reward Points/₹100 spent at partner merchants, including Apollo 24×7, BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds, and Yatra. -5 Reward Points per ₹100 on all other online spends. -1 Reward Point = ₹0.25, reward rate of 2.5% at partner merchants and 1.25% on all other online spends |
-5% cashback on utility bill payments and mobile, and DTH recharges. -4% cashback on Zomato, Swiggy, and Ola. -1.5% cashback on all other spends with the card. |
| Cap on Rewards | Max 1,000 CashPoints per month at the 5X rate and 1,000 CashPoints per month at the regular 1X rate- a total of 2,000 Reward Points in a given statement cycle | No max cap applicable | Max 10,000 Reward Points can be earned in a month at an accelerated (5X or 10X) rate | Cashback is Capped at ₹500 Each Statement Cycle |
| Additional Benefits | -₹200 Off on Dining Bills With Swiggy Dineout |
-4 complimentary railway lounge access per quarter. -25% discount on movie tickets (up to ₹100) -Up to 20% discount at over 1,500 restaurants across the country |
N/A |
-4 complimentary domestic airport lounge access. -20% discount at partner restaurants with Axis Bank’s Dining Delights program. |
| Annual Fee | ₹1,000 per annum, waived off on a minimum annual expenditure of ₹1 lakh | Nil | ₹499 per annum, waived off on a minimum annual expenditure of ₹1 lakh | ₹499 per annum, waived off on an annual expenditure of a minimum of ₹2 lakh |
Latest News (March 2025)
- If you use payment services such as CRED, PayTM, Cheq, MobiKwik, or Freecharge to pay rent, a 1% fee will be applied to the transaction amount, capped at ₹3,000 per transaction.
- From 1st September 2024, no Reward Points shall be provided for EMI transactions and wallet loading.
- If your fuel transaction is under ₹15,000, no extra fee will be charged. However, if your fuel transaction exceeds ₹15,000, a 1% fee will be charged on the entire amount, capped at ₹3,000 per transaction.
- For utility transactions of less than ₹50,000, no additional fee will be charged. However, for transactions exceeding ₹50,000, a 1% fee will be applied to the entire amount, capped at ₹3,000 per transaction.
- Beginning August 1st, 2024, a redemption fee of ₹50 will be charged if you choose to redeem your rewards for statement credit (CashBack). The redemption rate for the statement balance will be 1 CashPoint = ₹1, and you can complete the redemption process through Net Banking login, Phone Banking, or physical redemption form.
HDFC Millennia Credit Card Review
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.
Like any other credit card, this card also requires you to maintain financial punctuality; otherwise, a debt trap at an early age can be really troublesome. Before you make up your mind, however, you may also have a look at some other similar credit cards like the Swiggy HDFC which also offers cashback on Swiggy and other popular platforms.
This was our review of the HDFC Bank Millennia Credit Card. Do share your reviews on this card with us in the comment section below!
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 [email protected] mentioning your query/complaint.
8 comments
Pooja Singh
This card is great for beginners! If you spend Rs. 1 lakh in a year, the annual charges are waived. Plus, you can enjoy discounts through HDFC Bank offers.
Jay
Can we upgrade Tata Neu Plus card to HDFC Bank Millennia Credit Card?
Kartik Kanwar
No, going from a co-branded card to a core card is quite difficult. You can still apply for it separately.
Jay
HDFC credit cards are now becoming popular because of their wide range and variety of cards which fulfills almost all financial needs of an individual. Plus the presentation by CardInsider.com is well enough to understand each and every point about a credit card.
VIJAYAKUMAR SP
Hi all,
I do have this HDFC millenia credit card for almost an year. i would say their Cash Back Credit does not get adjusted automatically in the statement. The redemption process is cumbersome either you should have HDFC bank account to get back the cash amount or need to download a redemption form from bank site, fill it & post it. So literally this Cash Back offer is just an eyewash to lure the customers to buy it.
In my experience Axis Flipkart is the best. Cash back credits get adjusted automatically to every month statement. Axis Flipkart card has unlimited cash back power so best of all.
Other cards like Yes Bank BYOC, SCB Smart card etc have monthly cash back limit of Rs.1000 per statement.
ICICI HP Super Saver card with 4% cashback on HP pumps with Rs.400 max credit per month.
All the banks are highlighting 1% fuel surchage waiver as cash back benefit but as far as i know that is a standard feature comes with all the credit cards in the market.
Kartik Kanwar
Even Airtel Axis Bank Credit Card is a good cashback card. It gets directly adjusted in the limit.
Vatsal Vala
Can you please share any proof like any customer get rupay variant of hdfc millennia credit card?
Also minimum salary should be 30k,not 35k. Found from website.
Kartik Kanwar
Hello, Sir. HDFC Bank Millennia Credit Card does not come in the RuPay variant, and the minimum monthly salary is 35,000 for salaried individuals.