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Get cashback and offers with HDFC Millennia Credit Card! Experience the ultimate in rewards and benefits with HDFC Millennia Credit Card. Unlock exclusive cashback opportunities and exciting offers that redefine your shopping experience. Sign up today and start enjoying the perks!
Key Features
Earn cashback on various categories such as groceries, dining, shopping, and more, enhancing your savings with every purchase.
Enjoy exclusive rewards as you reach spending milestones, providing additional perks for your loyalty.
Experience the convenience and security of contactless payments, making transactions faster and hassle-free.
If users carry a balance on their HDFC Millennia Credit Card, they may face high-interest rates, which can offset any cashback or rewards earned, leading to increased debt.
Avail of an annual fee waiver by meeting certain spending criteria, ensuring you maximize benefits without additional costs.
Convert large purchases into easy monthly installments, manage your expenses effectively, and maintain financial flexibility.
Access exclusive discounts and offers when shopping online, adding value to your purchases and saving money.
Enjoy complimentary access to airport lounges, making your travel experience more comfortable and luxurious.
Benefit from insurance coverage for travel, health, and other unforeseen circumstances, providing you with peace of mind.
Earn reward points on all transactions, which can be redeemed for a variety of rewards, including vouchers, merchandise, and more.
Some other top features offered by HDFC Millennia Credit Card
- Global Acceptance: Widely accepted at millions of merchant establishments worldwide.
- Concierge Services: Access to personalized assistance for travel bookings, dining reservations, and more.
- Zero Liability Protection: Protection against unauthorized transactions.
- Dining Discounts: Enjoy discounts at select dining outlets across the country.
- Lifestyle Benefits: Access to exclusive offers on entertainment, shopping, and more.
- Travel Benefits: Access to special discounts and offers on travel bookings.
- 24/7 Customer Support: Round-the-clock assistance for any card-related queries or issues.
- Zero Lost Card Liability: Protection against any fraudulent transactions made after reporting the card lost or stolen.
Let’s discuss the drawbacks of the HDFC Millennia Credit Card
Designed for avid online shoppers, HDFC Millennia Credit Card is perfect for millennials seeking significant value on their purchases. Enjoy exclusive perks on popular brands like Zomato, Uber, Amazon, Flipkart, and others, making your online shopping experience even more rewarding
The HDFC Millennia Credit Card may have a high annual fee, which could be a deterrent for some users, especially if they don’t fully utilize the benefits offered by the card.
While the card offers cashback on specific categories like online shopping, dining, and utility bill payments, the rewards may not be as comprehensive as other cards in the market. This limitation may restrict the card’s appeal to users who spend more in other categories.
The cashback benefits often come with caps and conditions, such as maximum cashback limits per month or minimum spending requirements. Users may find it challenging to maximize their rewards within these constraints.
If users carry a balance on their HDFC Millennia Credit Card, they may face high-interest rates, which can offset any cashback or rewards earned, leading to increased debt.
While HDFC Bank is a leading financial institution, there might still be instances where the card is not accepted, especially internationally or at merchants who don’t accept credit cards from specific networks.
Apart from the annual fee, there may be other fees and charges associated with the HDFC Millennia Credit Card, such as late payment fees, over-limit fees, or foreign transaction fees, which could add up and impact the overall cost of ownership.
With the convenience of a credit card comes the risk of overspending. Users need to exercise discipline to avoid accumulating debt beyond their means, especially with the lure of cashback and rewards.
Table of Contents
HDFC Millennia Credit Card Fee & Charges
| Fee/Charge | Amount (in INR) |
|---|---|
| Joining Fee | 1,000 |
| Annual Fee (from second year onwards) | 1,000 |
| Finance Charges (Retail Purchases) | 3.49%–3.99% |
| Cash Advance Fee | 2.5% of the amount withdrawn or ₹ 500, whichever is higher |
| Late Payment Charges (Outstanding < ₹ 100) | Nil |
| Late Payment Charges (Outstanding ₹ 100-500) | ₹ 100 |
| Late Payment Charges (Outstanding ₹ 501-5,000) | ₹ 500 |
| Late Payment Charges (Outstanding ₹ 5,001-10,000) | ₹ 600 |
| Late Payment Charges (Outstanding ₹ 10,001-25,000) | ₹ 800 |
| Late Payment Charges (Outstanding > ₹ 25,000) | ₹ 950 |
| Overlimit Charges | 2.5% of the over limit amount, subject to a minimum of ₹ 500 |
| Card Replacement Fee | ₹ 100 |
| Statement Retrieval Charges | ₹ 100 per statement (beyond last 3 months) |
| Cheque Return Charges | ₹ 500 |
| Foreign Currency Transaction Fee | 3.5% |
| Reissue of Lost, Stolen or Damaged Card | ₹ 100 |
| Cash Processing Fee | ₹ 100 |
| Payment Return Charges | 2% of payment amount subject to a minimum of ₹ 450 and a maximum of ₹ 500 |
| Outstation Cheque Processing Fee | ₹ 25 per cheque |
| Balance Transfer Fee | ₹ 250 or 1% of the transaction amount, whichever is higher |
Great Cash Back for Leading Online Brands
As a millennial, this card aligns with your spending habits, offering 5% cashback on popular brands like Amazon, Uber, and Zomato, with no minimum transaction required. Plus, it provides 1% cash back on EMI purchases and wallet reloads, a rare benefit.
- Get 5% cashback on popular brands and 1% cashback on all other spends, including EMI & wallet transactions.
Find right credit card offer for you
Terms and conditions for cash redemption
Cash redemption is available to eligible participants only.
The cash value is determined based on the terms outlined in the redemption policy.
Participants must follow the designated process for cash redemption.
Cash redemptions must be claimed within the specified validity period.
Proof of purchase may be required for cash redemption.
There may be limits on the amount of cash that can be redeemed per transaction or per individual.
Cash redemptions are non-transferable and cannot be exchanged for any other form of compensation.
Any fraudulent activity related to cash redemption will result in disqualification and possible legal action.
The terms and conditions for cash redemption are subject to change at the discretion of the issuer.
Disputes regarding cash redemption are governed by applicable laws and regulation.
Hdfc Millennia credit card egibilities & documention
- Eligibility Criteria:
Age: Minimum 21 years old.
Income: Must meet the minimum income requirement specified by HDFC Bank.
Credit Score: Generally, a credit score of 750 or above is preferred.
Nationality/Residency: Indian citizen or Non-Resident Indian (NRI) with a valid Indian address. - Documentation Required:
- Proof of Identity:
- Aadhar card, Passport, Voter ID, etc.
- Proof of Address:
- Utility bills, Rental agreement, Driving license, etc.
- Proof of Income:
- Salary slips, Income tax returns, Bank statements, etc
- Proof of Identity:
How to Apply for the HDFC Millennia Credit Card
Here’s a simple guide on how to apply for the HDFC Millennia Credit Card:
Visit the official website of HDFC Bank or use their mobile app to access the credit card application portal.
Complete the application form with accurate personal, contact, and financial information. Double-check for any errors before proceeding.
Choose HDFC Millennia Credit Card
Select the HDFC Millennia Credit Card option from the list of available cards during the application process.
Upload necessary documents such as identity proof, address proof, income proof, and any other documents requested by HDFC Bank. These could include PAN card, Aadhaar card, salary slips, bank statements, etc.
Read and understand the terms and conditions associated with the HDFC Millennia Credit Card, including fees, interest rates, rewards, and benefits.
Agree to the terms and conditions provided by HDFC Bank by checking the respective box or clicking the acceptance button.
Once you have filled in all the required details and uploaded the necessary documents, review your application one last time and then submit it.
HDFC Bank will review your application and assess your eligibility. This process may take a few days. You can track the status of your application online or through the mobile app.
Similar Credit Cards
Many banks offer credit cards like HDFC Millennia Credit Card, tailored for millennials with lifestyle-specific rewards and benefits.
ICICI Bank offers credit cards like the ICICI Bank Amazon Pay Credit Card, ICICI Bank Coral Credit Card, and ICICI Bank Sapphiro Credit Card, which come with various rewards and benefits catering to different lifestyles.
Axis Bank offers credit cards such as the Axis Bank Neo Credit Card, Axis Bank Flipkart Credit Card, and Axis Bank ACE Credit Card, which provide rewards and benefits suited to millennials.
SBI offers credit cards like the SBI SimplyCLICK Credit Card and SBI Card Elite, which offer rewards on online shopping, dining, and other categories.
Kotak Mahindra Bank offers credit cards like the Kotak Delight Platinum Credit Card and Kotak PVR Gold Credit Card, which come with rewards and benefits tailored to specific spending categories.
HDFC Bank’s Best Credit Cards
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HDFC Platinum Times Credit Card
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Best Indian Lounge Access Credit Card
HDFC Regalia Credit Card
American Express Platinum Travel Credit Card
Axis Bank Vistara Infinite Credit Card
Citi Prestige Credit Card
ICICI Bank Sapphiro Credit Card
SBI Elite Credit Card
FAQs
What is the daily limit of Millennia card?
- Daily Domestic Shopping: Rs. 3.5 lakh
- Daily Domestic ATM withdrawal: Rs. 50,000
- Daily International Shopping: Rs. 1 lakh
Which HDFC card has lounge access?
The HDFC Bank Regalia First Credit Card gives you special benefits, like free access to over 1,000 Priority Pass Airport Lounges worldwide and access to VISA/MasterCard Lounges.
Does HDFC Millennia have lounge access?
Hey there, add some extra fun to your travels with this card! Enjoy 4 free lounge passes every year at airports across India.
Which HDFC card is better millennia or platinum?
Hey there! Add some extra fun to your travels with this card! Enjoy 4 free lounge passes every year at airports across India.
What should I do if I lose my credit card?
If you lose your credit card, immediately contact your bank or credit card issuer to report it as lost or stolen. They will cancel the card and issue you a replacement to prevent unauthorized charges.
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