HDFC Millennia Credit Card View Eligibility Check Fees Apply Online

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Millennia Credit Card

HDFC Visa

Joining Fee1000

Annual Fee1000

Renewal Fee0

Welcome Bonus: 0

Lounge Access: Yes

Fuel Surcharge: Yes

Apply Now

Minimum Income	35000 INR Monthly or 6 Lakh ITR for Business
Credit Score	No
Employment Type	Salaried Business

5% Cashback on Amazon, Flipkart, Myntra, Swiggy, Zomato and more
₹1000 worth gift voucher on spends of ₹1 Lakh per calendar quarter
1% CashBack on other spend

Joining Fee 1000 Required
Charging Annual Fee But Waive Off Over 1Lakh Spend
Dinner Club Most of Companies Not Accept Offline

HDFC Bank Millennia Credit Card is a high-value cashback credit card designed especially for millennials and frequent online shoppers. It offers up to 5% cashback on spends at popular brands like Amazon, Flipkart, Zomato, Swiggy, BookMyShow, Cult.fit, Tata CLiQ, Uber, Sony LIV and Myntra, helping you save more on everyday lifestyle purchases.

Cardholders also earn 1% cashback on all other eligible spends, including offline transactions, making every swipe rewarding. You receive a welcome benefit of bonus CashPoints on payment of the joining fee, giving you instant value right from the start. With quarterly milestone rewards, you can earn ₹1,000 worth of gift vouchers on spending ₹1,00,000 or more each quarter.

The card features a fuel surcharge waiver, easing your travel expenses, and up to 50 days interest-free credit period on purchases. You also get contactless payment capability for fast, secure transactions at retail outlets. Convenience features like Smart EMI conversion and robust mobile card management through the HDFC Bank app make spending and repayment seamless. Responsible use of the card can help you build a strong credit profile over time. With an easy fee waiver on annual charges upon meeting spend thresholds, the HDFC Bank Millennia Credit Card is a versatile and rewarding choice for everyday use.

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Written by

Anviti Desai

Anviti is a personal finance and fintech journalist with over five years of hands-on experience writing about and reviewing credit cards, reward ecosystems, and banking products across India’s rapidly evolving financial landscape. Unlike many finance writers who rely solely on bank websites and press releases, Anviti actively holds and uses multiple credit cards across categories—cashback, travel miles, co-branded, fuel, rewards, and lifetime free. She personally tracks redemptions, fee waivers, reward devaluations, and benefit changes as they happen. Her insights are backed by real rupee calculations and practical usage, not broad estimates or marketing claims. Her work is driven by one clear goal: helping everyday Indian consumers cut through complex bank promotions to understand what a credit card is truly worth based on their unique spending patterns. She has researched and compared over 100 Indian credit cards across major issuers including HDFC, Axis, SBI, ICICI, Kotak, and other leading banks. Anviti is based in India and currently resides in the mountains, where she continues to track and analyze the country’s dynamic credit card ecosystem.

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HDFC Millennia Credit Card

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