The HDFC Bank Millennia Credit Card is a versatile credit card designed for the lifestyle of modern consumers, particularly millennials. It offers attractive cashback, reward points, and exclusive offers across various categories, including shopping, dining, and travel. This review will cover the features, benefits, fees, charges, and eligibility criteria associated with the HDFC Bank Millennia Credit Card.

Key Highlights:

  • Welcome Benefits: Attractive joining benefits and vouchers.
  • Cashback: Up to 5% cashback on online and offline spends.
  • Reward Points: Earn reward points on all purchases.
  • Reward Point Value: 1 Reward Point = 1 INR
  • Travel Benefits: Complimentary airport lounge access.
  • Annual Fee Waiver: Annual fee waiver on meeting spend criteria.

Welcome Benefits:

New cardholders receive exciting welcome benefits, including vouchers from popular brands. These vouchers provide immediate value and can be used for shopping, dining, or entertainment, ensuring a great start with the HDFC Bank Millennia Credit Card.

Cashback Benefits:

The HDFC Bank Millennia Credit Card offers up to 5% cashback on various spending categories:

  • Online Spends: 5% cashback on Amazon, Flipkart, Myntra, and other popular e-commerce platforms.
  • Offline Spends: 2.5% cashback on all offline purchases.
  • Wallet Reloads: 1% cashback on wallet reloads.
  • Other Spends: 1% cashback on all other spends.

Reward Points:

In addition to cashback, cardholders earn reward points on every spend. The reward points can be redeemed for a variety of options, including shopping vouchers, air miles, and more. The value of each reward point is 1 INR when redeemed for cashback against the statement balance. Alternatively, reward points can also be redeemed for travel bookings and rewards catalog at a value of 0.30 INR per point. Here are some additional details:

  • Cashback Redemption: 1 Reward Point = 1 INR, redeemable against the statement balance (minimum 500 points required).
  • Travel Benefits: Redeem points for flight and hotel bookings through the SmartBuy portal (1 Reward Point = 0.30 INR).
  • Rewards Catalogue: Redeem points for products and vouchers available on the SmartBuy Rewards Portal (1 Reward Point = 0.30 INR).
  • Validity: Unredeemed CashPoints expire after 2 years from the date of accumulation.
  • Redemption Caps: Monthly redemption is capped at 3,000 points for cashback and 50,000 points for flights and hotels.

Travel Benefits:

The HDFC Bank Millennia Credit Card provides complimentary airport lounge access at select domestic and international airports. This benefit is perfect for frequent travelers looking for comfort and convenience while waiting for their flights.

Fees and Charges:

  • Joining Fee: Rs 1,000 plus taxes.
  • Annual Fee: Rs 1,000 plus taxes (waived on annual spends of Rs 1,00,000).

Eligibility Criteria:

To be eligible for the HDFC Bank Millennia Credit Card, applicants must meet the following criteria:

  • Age:
    • Salaried individuals: 21 to 60 years
    • Self-employed individuals: 21 to 65 years
  • Income:
    • Salaried individuals: Minimum monthly income of Rs 35,000
    • Self-employed individuals: Minimum annual income of Rs 6,00,000
  • Employment: Stable employment or business with a regular income.
  • Credit Score: Good credit score (usually 700 or above).
  • Residence: Must be an Indian resident.

Comparison with HDFC Bank Regalia Credit Card:

Feature HDFC Bank Millennia Credit Card HDFC Bank Regalia Credit Card
Joining Fee Rs 1,000 plus taxes Rs 2,500 plus taxes
Annual Fee Rs 1,000 plus taxes (waived on spends of Rs 1,00,000) Rs 2,500 plus taxes (waived on spends of Rs 3,00,000)
Welcome Benefits Vouchers from popular brands Welcome bonus reward points
Cashback Up to 5% on online and offline spends Not applicable
Reward Points Earn reward points on every spend Earn reward points on every spend
Reward Point Value 1 Reward Point = 1 INR 1 Reward Point = 0.50 INR
Travel Benefits Complimentary airport lounge access Complimentary airport lounge access
Dining Benefits Discounts at partner restaurants Discounts at partner restaurants
Other Benefits 1% fuel surcharge waiver 1% fuel surcharge waiver

Additional Features:

  • Zero Lost Card Liability: No liability on fraudulent transactions reported immediately.
  • Interest-Free Credit Period: Up to 50 days of interest-free period from the date of purchase.
  • Revolving Credit: Available at a nominal interest rate.
  • Exclusive Dining Privileges: Up to 20% savings at partner restaurants via Swiggy Dineout.
  • Fuel Surcharge Waiver: 1% waiver at all fuel stations across India.


The HDFC Bank Millennia Credit Card offers a comprehensive set of benefits tailored for modern consumers, especially millennials. With its attractive cashback offers, reward points, travel benefits, and annual fee waiver, this card provides excellent value for a nominal fee. If you're looking for a versatile credit card that enhances your lifestyle, the HDFC Bank Millennia Credit Card is a great choice.

Apply Now:

If the HDFC Bank Millennia Credit Card suits your lifestyle and spending habits, don't hesitate to apply and start enjoying its numerous benefits.