HDFC Bank Millennia Credit Card

The credit card comes with competitive cashback on everyday purchases, exclusive discounts at partner merchants, and the ability to earn reward points, all designed for individuals looking for flexible and rewarding credit card solutions.

The Millennia Credit Card comes with a host of features that makes it an attractive choice for millennials and young professionals. This credit card stands out with its rewards program that allows you to earn cashback on online transactions. This card, therefore, is ideal for those who frequently shop online. 

 

Additionally, it provides a seamless experience with contactless payments and various lifestyle benefits, such as discounts on dining and shopping.

The HDFC Bank Millennia Credit Card is designed to make the cardholder’s life more convenient. 

Here are some of the key features and benefits:

Cashback Benefits

• 5% Cashback on Online Transactions

Earn 5% cashback on online spending with merchants like Amazon, Flipkart, Myntra, and more, with a monthly cap of ₹1,000

• 1% Cashback on Other Transactions

For all other spending, earn 1% cashback with a monthly cap of ₹500

• 1% CashPoints for Payments with SmartBuy

Earn 1% CashPoints (1 CashPoint = ₹1 for Millennia Credit Card Holders) on transactions made through HDFC Bank's SmartBuy app, applicable to a variety of categories

• 1% Cashback on EMI Transaction

You get 1% Cashback on the below type of EMI’s:

• Merchant/Easy EMI

• Aggregator EMI

• Brand EMI

Revolving Credit

If you are not able to pay the total outstanding amount of your credit card bill, you get the facility of revolving credit. It means you can pay a minimum due amount, and the outstanding balance gets carried forward to the next billing cycle. 

 

Besides, you can also choose to pay the total amount due or any part of the amount above the minimum amount due.

Zero Lost Card Liability

If the HDFC Bank Millennia Credit Card is lost, you just need to call the 24-hour helpline number immediately. Once you report the loss, you don't have to pay for any fraudulent transactions that happened on their card during the time it was lost. 

Fuel Surcharge Waiver

Enjoy a fuel surcharge waiver of 1%, valid on fuel transactions between ₹400 and ₹5,000, with a maximum waiver of ₹250 per statement cycle.

Airport Lounge Access

HDFC Bank Millennia Credit Card provides complimentary airport lounge access (up to 8 times per year, twice per quarter) to domestic lounges across select airports in India

The rewards program on the HDFC Bank Millennia Credit Card allows you to earn cashback on various transactions. 

• For every ₹100 spent, users earn 1 Reward Point, making it easy to accumulate points on everyday purchases

• When you pay membership fees, you get reward points equal to that fee amount

• You can also join the Good Food Trail program for great dining perks, saving up to 20% on restaurant bills when you pay through Swiggy Dineout

To apply for the HDFC Bank Millennia Credit Card, you need to meet the following eligibility criteria:

• Age

The primary cardholder should be between 21 and 40 years old

• Income

For salaried individuals, a minimum income of ₹35,000 per month is required. For self-employed individuals, a minimum annual income of ₹6 Lakhs is required.

• Credit Score

A healthy credit score is required to demonstrate responsible credit management

When applying for the HDFC Bank Millennia Credit Card, you need to submit the following documents to verify your identity, address, and income:

• Identity Proof

PAN, Aadhaar, Passport, or Driving Licence

• Address Proof

Aadhaar, Utility bills, Passport, or Ration card

• Income Proof

Form 16, Income Tax Returns, or salary slips for the last three months

HDFC Bank Millennia Credit Card is not available on Bajaj Markets, however, you can apply for the card through a simple and quick process. Follow these steps:

1. Visit the official HDFC Bank website or mobile banking app

2. Fill out the online application form and upload the necessary documents

3. Your application will be reviewed, and your documents and credit score will be verified

4. Upon approval, the card will be delivered to your registered address within a few business days

If you have any queries or issues with your HDFC Bank Millennia Credit Card, you can reach customer care through the following channels:

• Toll-free number: 1800-266-4332

• Email: customerservices.cards@hdfcbank.com

• Mailing Address: 

HDFC Bank Cards Division,
PO Box 8654,
Thiruvanmiyur PO,
Chennai – 600041

While the HDFC Bank Millennia Credit Card is an excellent option, HDFC Bank offers several other credit cards that may cater to different needs. 

 

Here’s a quick comparison of a few options: