HDFC Millennia Credit Card: Features, Benefits, and Why It’s Perfect for Millennials

The HDFC Millennia Credit Card is designed for the modern, tech-savvy millennial who loves to shop online, dine out, and travel in style. With a focus on rewarding digital transactions, this entry-level cashback credit card offers an array of benefits tailored to the lifestyle of young professionals. In this comprehensive guide, we’ll explore the features, benefits, eligibility, fees, and charges of the HDFC Millennia Credit Card, helping you decide if it’s the right fit for your financial journey in 2025.

What is the HDFC Millennia Credit Card?

The HDFC Millennia Credit Card is a cashback credit card crafted for millennials who frequently shop online, travel, or enjoy dining and entertainment. With a modest annual fee of ₹1,000 (plus applicable taxes), this card offers up to 5% cashback on popular online platforms, milestone rewards, lounge access, and more. Its sleek design, contactless payment options, and rewarding structure make it a must-have for young spenders looking to maximize savings while enjoying a premium lifestyle.

Key Benefits of the HDFC Millennia Credit Card

The HDFC Millennia Credit Card is packed with features that cater to the needs of digital shoppers, foodies, and travel enthusiasts. Here’s a detailed look at its benefits:

1. Generous Cashback Offers

5% Cashback on Online Shopping: Earn 5% cashback (up to 1,000 CashPoints per month) on transactions with top partner merchants, including:
Amazon
Flipkart
Myntra
Swiggy
Zomato
BookMyShow
Cult.fit
Sony LIV
Tata CLiQ
Uber
Note: Cashback is applicable only on non-EMI purchases and excludes gift/prepaid card loads and voucher purchases.
1% Cashback on Other Spends: Get 1% cashback (up to 1,000 CashPoints per month) on all other eligible online and offline transactions, including EMI spends and wallet loads (excluding fuel, rent payments, and government-related transactions).
CashPoints Redemption: CashPoints can be redeemed against your credit card statement balance at a rate of 1 CashPoint = ₹1. Alternatively, redeem them for products, vouchers, or flight/hotel bookings (1 CashPoint = ₹0.30 for catalogue redemptions, capped at 50% of booking value). CashPoints are valid for 2 years from the date of accumulation.

2. Milestone Rewards

Spend ₹1,00,000 or more in a calendar quarter (e.g., January–March, April–June) to receive ₹1,000 worth of gift vouchers from brands like Amazon Pay, BigBasket, BookMyShow, Pizza Hut, PVR, Uber, and more. This means you can earn up to ₹4,000 in gift vouchers annually by meeting the quarterly spend milestone. Vouchers must be redeemed within 60 days of receipt.
Welcome Benefit: Pay the joining membership fee (₹1,000 + taxes) and receive 1,000 CashPoints as a welcome bonus.

3. Airport Lounge Access

Enjoy one complimentary domestic lounge visit per quarter upon achieving the quarterly spend milestone of ₹1,00,000. Cardholders can choose between a DreamFolks lounge access voucher or the ₹1,000 gift voucher as part of the milestone benefit. Note that lounge access is subject to availability and a maximum stay policy (usually 2–3 hours).
This benefit is ideal for frequent travelers looking to add a touch of luxury to their airport experience.

4. Dining Discounts

Get up to 20% discount at partner restaurants via Swiggy Dineout (minimum order value of ₹2,000, valid twice per month). Additionally, enjoy a 10% additional discount on Swiggy Dineout using the coupon code HDFCCARDS.
This feature is perfect for foodies who love dining out or ordering in.

5. Fuel Surcharge Waiver

Avail a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at fuel stations across India, with a maximum waiver of ₹250 per statement cycle. This benefit helps you save on fuel costs during road trips or daily commutes.

6. EMI Conversion and Revolving Credit

Convert big purchases (₹10,000 and above) into EMIs with flexible tenure options, making it easier to manage large expenses.
Enjoy a revolving credit facility at a nominal interest rate of 3.6% per month and up to 50 days of interest-free credit from the date of purchase (subject to merchant submission).

7. Contactless Payments

The HDFC Millennia Credit Card supports contactless payments for quick and secure transactions at retail outlets. For transactions up to ₹5,000, no PIN is required, while a PIN is mandatory for higher amounts to ensure security.

8. Zero Liability on Lost Card

In case your card is lost or stolen, report it immediately to HDFC Bank’s 24/7 customer care to enjoy zero liability on fraudulent transactions.

9. UPI Integration

Link your HDFC Millennia RuPay Credit Card to any UPI app to make seamless payments. UPI transactions are included in the quarterly spend milestone calculation, and no additional charges apply for UPI payments.

Fees and Charges

Joining/Annual Fee: ₹1,000 + applicable taxes (waived if you spend ₹1,00,000 or more in the previous year).
Reissuance of Lost/Stolen/Damaged Card: ₹100.
Dynamic Currency Conversion Markup Fee: 1% (effective from January 1, 2023).
Cash Redemption Fee: ₹50 + GST per request.
Other Redemption Fee: ₹99 + GST for non-statement balance redemptions.
Goods and Services Tax (GST): Applicable on all fees, interest, and charges.

The annual fee is easily recoverable through the welcome bonus (1,000 CashPoints) and the fee waiver upon spending ₹1,00,000 annually, making it cost-effective for moderate to heavy spenders.

Eligibility Criteria

To apply for the HDFC Millennia Credit Card, you must meet the following requirements:

Age: 21 to 40 years.
Nationality: Indian national.
Income (Salaried): Minimum gross monthly income of ₹35,000.
Income (Self-Employed): Income Tax Return (ITR) of ₹6,00,000 per annum.
Documents Required:
Identity Proof: Aadhaar Card, Passport, Driver’s License, PAN Card, Voter’s ID, or other government-approved photo ID.
Address Proof: Passport, Aadhaar Card, or utility bills.
Income Proof: Payslips (last 3 months for salaried) or ITR documents (for self-employed).
Photograph: Recent color photograph.

How to Apply for the HDFC Millennia Credit Card

Applying for the HDFC Millennia Credit Card is simple and can be done online or offline:

Online Application

Visit the HDFC Bank website (www.hdfcbank.com) or platforms like Paisabazaar, Cardinsider, or MyMoneyMantra.
Navigate to the Credit Card section and select the Millennia Credit Card.
Click “Apply Now” or “Sign Up” and fill in the application form with your personal, income, and contact details.
Upload the required documents (identity, address, and income proof).
Submit the application. HDFC Bank will contact you for verification if approved.

Offline Application

Visit the nearest HDFC Bank branch.
Request the Millennia Credit Card application form.
Submit the filled form along with the required documents and a recent photograph.

To check your application status, use the 16-digit application reference number and your mobile number or date of birth on the HDFC Bank website.

How to Redeem CashPoints

Redeeming your CashPoints is straightforward:

Log in to your HDFC Bank NetBanking account or mobile banking app.
Navigate to the Credit Cards section and select Redeem Reward Points.
Choose your card and select the redemption option:

Statement Balance: 1 CashPoint = ₹1 (minimum 500 CashPoints required).
Products/Vouchers: Browse the HDFC product catalogue.
Flight/Hotel Bookings: Redeem up to 50% of the booking value.

Follow the prompts to complete the redemption.

Who Should Get the HDFC Millennia Credit Card?

The HDFC Millennia Credit Card is ideal for:

Online Shoppers: If you frequently shop on Amazon, Flipkart, Myntra, or other partner merchants, the 5% cashback is highly rewarding.
Millennials and Young Professionals: With an age eligibility of 21–40 years, this card caters to the digital-savvy generation.
Travel Enthusiasts: Complimentary lounge access and fuel surcharge waivers make it great for travelers.
Foodies: Dining discounts via Swiggy Dineout add value for those who love eating out or ordering in.
Moderate Spenders: The ₹1,00,000 annual spend for fee waiver and milestone rewards is achievable for regular users.

However, heavy spenders may find the 1,000 CashPoints monthly cap on both 5% and 1% cashback categories limiting, as it restricts earnings on spends exceeding ₹20,000 across partner merchants.

Comparison with Other Credit Cards

Here’s how the HDFC Millennia Credit Card stacks up against similar cards:

IDFC FIRST Millennia Credit Card: Lifetime-free with no annual fee, 10x reward points on select spends, and 4 railway lounge visits per quarter. However, it lacks the broad partner merchant cashback of HDFC Millennia.
Axis ACE Credit Card: Offers 5% cashback on select online platforms but has a higher annual fee waiver threshold (₹2,00,000).
Amazon Pay ICICI Credit Card: Lifetime-free with 5% cashback for Amazon Prime members but limited to Amazon transactions.

The HDFC Millennia Credit Card stands out for its versatility across 10 partner merchants, making it a better all-rounder for millennials.

Pros and Cons

Pros

Attractive 5% cashback on popular online platforms.
₹4,000 annual gift vouchers for quarterly spends of ₹1,00,000.
Complimentary lounge access (one per quarter) for travelers.
Low annual fee (₹1,000, waivable with ₹1,00,000 spend).
UPI integration for seamless payments.
Contactless payments for quick transactions.

Cons

Cashback capped at 1,000 CashPoints per month for both 5% and 1% categories.
Lounge access requires choosing between gift vouchers and lounge visits.
No direct cashback; rewards are credited as CashPoints.
Limited to domestic lounge access, with no international lounge benefits.

Tips to Maximize HDFC Millennia Credit Card Benefits

Shop with Partner Merchants: Use the card for purchases on Amazon, Flipkart, Swiggy, and other partner platforms to earn 5% cashback.
Meet Quarterly Spend Milestones: Aim for ₹1,00,000 per quarter to unlock gift vouchers or lounge access.
Redeem CashPoints Wisely: Opt for statement balance redemption (1 CashPoint = ₹1) for maximum value.
Use for Dining: Leverage Swiggy Dineout discounts for dining savings.
Pay Bills on Time: Avoid interest charges by paying your balance in full to enjoy the 50-day interest-free period.

Conclusion

The HDFC Millennia Credit Card is a fantastic choice for millennials and young professionals who want to earn rewards on their online shopping, dining, and travel expenses. With 5% cashback on top brands, milestone rewards, and lounge access, it offers excellent value for an entry-level card with a low annual fee. While the cashback cap may limit benefits for high spenders, its versatility and ease of use make it a top pick for moderate spenders in 2025.

Ready to unlock a world of rewards? Apply for the HDFC Millennia Credit Card today through the HDFC Bank website or trusted platforms like Paisabazaar or Cardinsider. Start your journey to smarter spending and bigger savings

Disclaimer: Terms and conditions apply. Credit card approvals are at the sole discretion of HDFC Bank. Always check the latest terms on the official HDFC Bank website before applying.