INDEPENDENT PUBLIC DIRECTORY: Eligo does not issue credit cards, collect customer applications, or earn affiliate referral commissions. All terms, fees, and interest charges below are sourced directly from the official hdfcbank.com (HDFC Bank Ltd.) Most Important Terms and Conditions (MITC).

🏛️HDFC Bank Ltd.Network: Visa / Mastercard / Diners ClubShopping & Rewards CardsLast Verified: 2026-09-28

HDFC Millennia Credit Card

एचडीएफसी मिलेनिया क्रेडिट कार्ड

Premier digital cashback credit card offering 5% statement cashback on Amazon, Flipkart, Swiggy, and Zomato with 1:1 statement credit redemption.

Annual Fee₹1,000 + GST (Renewal: ₹1,000 + GST)

Reward Rate5% Cashback (CashPoints) on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, and Zomato (capped at ₹1,000 per calendar month). 1% Cashback on all other retail transactions (capped at ₹1,000 per calendar month).

Airport Lounge1 complimentary domestic airport lounge visit per calendar quarter upon spending ₹1,00,000 or more in the preceding calendar quarter (quarterly spend qualification criteria).

Forex Markup3.50% + GST on the transaction currency conversion amount.

What Is This Card

HDFC Millennia is India's most popular cashback credit card for digital shoppers, young salaried professionals, and e-commerce regulars. It converts spending on Amazon, Flipkart, Swiggy, and Zomato into direct 5% cash statement credit at a rare 1:1 redemption ratio without forcing complex air miles conversions.

Key Benefits (Official MITC Sourced)

💳Annual Fee & Joining Fee

₹1,000 + GST (Renewal: ₹1,000 + GST)

Fee Waiver: Spend ₹1,00,000 or more in each preceding anniversary year to get the renewal fee of ₹1,000 reversed.

🎁Welcome Benefit

1,000 CashPoints (equivalent to ₹1,000 statement credit when redeemed against card outstanding) credited upon payment of the joining fee.

⚡Reward Points Structure

5% Cashback (CashPoints) on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, and Zomato (capped at ₹1,000 per calendar month). 1% Cashback on all other retail transactions (capped at ₹1,000 per calendar month).

Redemption Value: 1 CashPoint = ₹1.00 when redeemed against statement balance (minimum 500 CashPoints required for redemption). CashPoints can also be redeemed for flight/hotel bookings on SmartBuy at 1 CP = ₹0.30.

🛫Airport & Railway Lounge Access

1 complimentary domestic airport lounge visit per calendar quarter upon spending ₹1,00,000 or more in the preceding calendar quarter (quarterly spend qualification criteria).

🛡️Insurance & Fuel Surcharge Waiver

Insurance Cover: Accidental air death cover up to ₹1 Crore. Emergency overseas medical treatment cover up to ₹15 Lakhs under Travel Plus.

Fuel Surcharge: 1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹5,000 (maximum waiver of ₹250 per statement cycle).

🎯Milestone Spends & Grace Period

Milestones: Gift voucher worth ₹1,000 on spending ₹1,00,000 or more in each calendar quarter. Annual fee waiver on ₹1,00,000 annual spend.

Interest-Free Period: Up to 50 days of interest-free credit from transaction date (dependent on date of transaction within billing cycle).

What's Missing (Eligo's Honest Disclosures)

Fine-Print Exclusions & Realistic Costs

5% cashback on partner merchants is capped at ₹1,000 per calendar month, limiting high-ticket spend utility. Domestic airport lounge access requires spending ₹1 Lakh in the preceding calendar quarter. Forex markup of 3.50% makes it unsuitable for overseas purchases.

Forex Markup Fee3.50% + GST on the transaction currency conversion amount.

Cash Advance Fee2.5% of the withdrawn amount or ₹500 (whichever is higher) + finance charges of 3.60% per month from day 1 with no interest-free grace window.

Finance Charges (Interest)3.60% per month (43.20% per annum) calculated from the transaction date on unpaid balances and fresh retail spends.

Late Payment SlabsNil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹600 for ₹1,001–₹5,000; ₹800 for ₹5,001–₹10,000; ₹1,100 for ₹10,001–₹25,000; ₹1,300 for above ₹25,000 (+ 18% GST).

Reward Points ExpiryCashPoints expire 2 years (24 months) from the date of accrual.

Categories Earning ZERO Rewards (Standard MITC Exclusion):Fuel transactions, wallet loads, rent payments, educational institutional payments, and government tax transactions do not earn CashPoints.

Eligibility Criteria

Salaried Indian nationals aged 21 to 40 years with minimum gross monthly income of ₹35,000. Self-employed professionals aged 21 to 40 with annual ITR exceeding ₹6,00,000.

Age Requirement21 to 40 Years

Minimum Income₹35,000/month (Salaried) / ₹6,00,000/year ITR (Self-Employed)

CIBIL Score NoteA credit score of 750+ is recommended. Pre-approved offers are frequently extended to existing HDFC salary account holders.

SBI RelationshipNot mandatory. Open to non-HDFC account holders, though existing HDFC banking customers receive instant digital processing.

How to Apply (Official Procedure)

Online Digital Application Flow

1Visit hdfcbank.com/personal/pay/cards/credit-cards or open the HDFC MobileBanking app.

2Enter registered mobile number and date of birth for soft OTP pre-check.

3Select HDFC Millennia Credit Card from the eligible card lineup.

4Confirm employment details, annual income, and PAN card number.

5Complete online Aadhaar e-KYC and initiate Video KYC (V-KYC) with bank agent.

6Card is approved and dispatched via courier within 3 to 5 business days.

Branch Application for Offline Applicants

Walk into any HDFC Bank branch with original PAN card, Aadhaar card, recent 3 months' salary slips, and latest 6 months' bank statements. A branch relationship manager assists with the physical credit application form.

Visit Official Card Page (hdfcbank.com)Download Official MITC (PDF)

Documents Required

1. PAN Card (statutory requirement)

2. Proof of Identity & Address: Aadhaar Card, Passport, or Voter ID

3. Proof of Income: Last 3 months' salary slips with bank statement (Salaried) OR Latest ITR with Computation Sheet (Self-Employed)

4. Passport-sized photograph.

Frequently Asked Questions (Official MITC)

What happens if I miss the minimum payment due on HDFC Millennia Credit Card?

If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹600 for ₹1,001–₹5,000; ₹800 for ₹5,001–₹10,000; ₹1,100 for ₹10,001–₹25,000; ₹1,300 for above ₹25,000 (+ 18% GST).. In addition, revolving finance charges at 3.60% per month (43.20% per annum) calculated from the transaction date on unpaid balances and fresh retail spends. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.

Can I convert transactions on HDFC Millennia Credit Card into EMI?

Yes, HDFC Bank Ltd. provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.

How do I track and redeem reward points or cashback on HDFC Millennia Credit Card?

You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into HDFC Bank Ltd.'s official mobile banking application or web portal. 1 CashPoint = ₹1.00 when redeemed against statement balance (minimum 500 CashPoints required for redemption). CashPoints can also be redeemed for flight/hotel bookings on SmartBuy at 1 CP = ₹0.30. Please note: CashPoints expire 2 years (24 months) from the date of accrual.

What is the interest-free grace period on HDFC Millennia Credit Card and how does it work?

The interest-free period on HDFC Millennia Credit Card is Up to 50 days of interest-free credit from transaction date (dependent on date of transaction within billing cycle).. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (3.60% per month (43.20% per annum) calculated from the transaction date on unpaid balances and fresh retail spends.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.

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