Hdfc Millenia Card

Key Features & Benefits

The HDFC Millennia Card stands out as a rewarding choice for millennials and digital-savvy shoppers who prioritize cashback and lifestyle perks. With an impressive 5% cashback on spends at top online merchants like Amazon, Flipkart, Zomato, and Uber, it maximizes rewards on platforms where modern consumers spend most of their money. In addition to this, the card offers 1% cashback on all other retail spends, providing continuous value across diverse purchase categories. Cashback rewards are credited as CashPoints, which can be easily redeemed against statement credits or a variety of merchant options, ensuring a seamless rewards experience.

Beyond cashback, the card offers practical savings like a 1% fuel surcharge waiver, capped at ₹250 per billing cycle, helping cut costs on essential fuel expenses. Frequent travelers will appreciate the 8 complimentary domestic airport lounge visits annually, enhancing travel comfort and convenience. Lounge access is integrated with quarterly spending milestones, promoting disciplined spending while rewarding cardholders. Additionally, the Millennia Card offers robust security features such as fraud protection and contactless payments, catering to users who value safety alongside rewards. Overall, this card fits the lifestyle of urban millennials looking for a blend of cashback, travel perks, and everyday savings.

All You Need to Know About: Hdfc Millenia Card

The HDFC Millennia Credit Card is a popular offering from HDFC Bank, designed with millennials and online shoppers in mind. It operates on both Visa and Mastercard networks, providing wide acceptance in India and internationally. The card has a joining fee and annual renewal fee of ₹1,000 plus applicable taxes, with the annual fee waived if cardholders spend ₹1,00,000 or more in the previous year. This card offers attractive cashback rewards, including 5% cashback on spends at selected popular online merchants such as Amazon, Flipkart, Zomato, and Uber, and 1% cashback on other retail spends excluding fuel, EMI, wallet loads, rent, and government payments.

Cardholders also enjoy a 1% fuel surcharge waiver on fuel spends between ₹400 and ₹5,000, capped at ₹250 per billing cycle. Additionally, it offers eight complimentary domestic airport lounge visits annually, enhancing travel convenience for frequent flyers. However, lounge access requires meeting quarterly spending targets, typically ₹1,00,000 per quarter, to redeem lounge access vouchers. The card carries an interest charge of about 3.6% per month (43.2% per annum) on revolving credit and cash advances, and applies a foreign currency markup fee of 3.5% on international transactions.

Other fees include late payment charges and cash advance fees, which are clearly defined for cardholders. The card supports contactless payments and offers strong security features, including fraud protection. The HDFC Millennia Credit Card is best suited for millennials and digital-savvy urban consumers who want to maximize cashback on their online spends and enjoy additional lifestyle benefits such as fuel savings and airport lounge access. It combines reward-rich experiences with manageable fee structures and transparent terms.

Pros & Cons

How to Apply

1. Visit the official HDFC Bank Millennia Credit Card page on the HDFC Bank website.

2. Click on the “Apply Online” or “Sign Up” button next to the Millennia Card option.

3. Fill in the required personal details, KYC documents, and income information in the online application form.

4. Submit the application and complete the Aadhaar-based or video KYC verification as prompted. Upon successful approval, the card will be delivered to your address within 7-10 business days.

Detailed Fee Structure

The HDFC Millennia Credit Card charges a joining and annual fee of ₹1,000 plus applicable taxes. The annual fee is waived if you spend ₹1,00,000 or more in the previous 12 months before the renewal date. Apart from the membership fees, the card levies a finance charge of approximately 3.6% per month (about 43.2% per annum) on outstanding balances.

Other fees include late payment charges, cash advance fees at 2.5%, and foreign currency markup fee at 3.5%. Fuel transactions below ₹15,000 do not incur extra charges, but a 1% fee is applied on fuel spends above this limit, capped at ₹3,000 per transaction. Utility payments above ₹50,000 and rent payments via third-party apps may also attract a 1% fee capped at ₹3,000. The card supports contactless payments and robust fraud protection while offering cashback rewards to offset some costs. Overall, the fee structure is transparent with clear conditions for fee waivers and charges on specific transactions.

Who Should Get This Card?

The HDFC Millennia Card is designed specifically for millennials—young digital-savvy professionals who prioritize online shopping, dining, and lifestyle experiences. Ideal users include tech-friendly consumers who frequently spend on platforms like Amazon, Flipkart, Uber, and Zomato, seeking maximum cashback and convenience. The card suits individuals who value thoughtful rewards on everyday purchases, fuel surcharge waivers, and airport lounge access to enhance travel comfort.

It is best for millennials looking for a credit card that complements their fast-paced, experience-driven lifestyle with cashback incentives and smart spending benefits. Additionally, new credit card users wanting to build a credit history with a card that offers manageable fee waiver options will find this card appealing. Overall, it caters to urban young professionals keen on maximizing rewards in digital payments and lifestyle expenses.

Alternatives & Competitor Comparison

Feature	Hdfc Millenia Card	Amazon Pay ICICI Bank
Card Image
Card Network	Mastercard, Visa	Visa
USP	The HDFC Millennia Card offers premium cashback rewards on top online merchants, fuel surcharge waivers, and generous domestic lounge access, making it ideal for millennials and savvy online shoppers seeking maximum lifestyle and travel benefits.	The Amazon Pay ICICI Bank Credit Card delivers unbeatable cashback benefits with 5% for Amazon Prime members, 3% for non-Prime members on Amazon purchases, and 2% cashback at over 100 Amazon Pay partner merchants, maximizing savings on everyday online shopping.
Annual Fee	1000 + Applicable Taxes	N/A
Joining Fee	1000 + Applicable Taxes	N/A
Welcome Benefits	1000 bonus Cashpoints credited on payment of joining fee, redeemable against statement credit or rewards	N/A
Lounge Access	Domestic: 2 per quarter | International: 2 per quarter On spends of ₹1,00,000+ in the last 3 months	Domestic: 2 per quarter On spends of ₹75,000+ in the last 3 months
Reward Rate	Get 5% cashback on Amazon, Flipkart, Swiggy, Zomato, Uber, and select partners (capped at ₹1,000/month) and 1% cashback on other spends (also capped at ₹1,000/month)	5% cashback on Amazon for Prime members, 3% cashback on Amazon for non-Prime, 2% cashback on 100+ Amazon Pay partner merchants, and 1% cashback on all other spends
Interest Rate	Approximately 3.6% per month (43.2% per annum) on revolving credit and cash advances	Approximately 3.5% to 3.8% per month (42% to 45.6% per annum)
Best For	Online Shopping	Online Shopping
Apply Now	Apply Now	Apply Now

Frequently Asked Questions