The HDFC Millennia Credit Card is a cashback-focused HDFC credit card designed for customers who frequently spend on online shopping, food delivery, travel, and lifestyle platforms. It offers 5% cashback on popular brands such as Amazon, Flipkart, Myntra, Swiggy, Zomato, and Uber, along with cashback on other eligible spends. The card also provides milestone benefits, domestic lounge access, fuel surcharge waiver, dining savings, and flexible redemption through CashPoints. With its digital-friendly features and everyday savings, the HDFC Millennia Credit Card is suitable for users who want value on regular online and offline purchases.
Overview of HDFC Millennia Credit Card
The HDFC Millennia Credit Card offers cashback, milestone benefits, and lifestyle savings for customers who spend regularly across leading online and offline categories.
| Particulars | Details |
| Card Name | HDFC Millennia Credit Card |
| Issuer | HDFC Bank |
| Card Category | Cashback / Online Shopping Credit Card |
| Joining Fee | ₹1,000 plus applicable taxes |
| Renewal Fee | ₹1,000 plus applicable taxes |
| Renewal Fee Waiver | Waived on annual spends of ₹1 lakh or more before renewal |
| Welcome Benefit | 1,000 CashPoints on card activation |
| Accelerated Cashback | 5% cashback on selected leading brands |
| Standard Cashback | 1% cashback on other eligible spends |
| CashPoint Value | 1 CashPoint = ₹1 for statement balance redemption |
| Lounge Benefit | Spend-based domestic lounge access |
| Suitable For | Online shoppers, food delivery users, and lifestyle spenders |
Eligibility Criteria for HDFC Millennia Credit Card
Applicants must meet HDFC Bank’s age, income, and nationality requirements to apply for the HDFC Millennia Credit Card.
- The applicant should be an Indian citizen.
- The applicant should be between 21 and 40 years of age.
- Salaried applicants should have a net monthly income of more than ₹35,000.
- Self-employed applicants should have an ITR of more than ₹6 lakh per annum.
- The final approval depends on HDFC Bank’s internal credit and verification checks.
- Existing HDFC Bank customers may be offered the card based on their relationship and eligibility.
Documents Required for HDFC Millennia Credit Card
While the specific documentation required can vary by profile, the following are typically necessary for the application:
- Identity and Date of Birth Proof: A valid PAN Card or other government-issued identification.
- Contact Information: A functional mobile number for validation and communication.
- Income Proof: Latest ITR for self-employed applicants or salary documentation for salaried individuals (as implied by eligibility standards).
- KYC Completion: Applicants may be required to upload documents and complete a video KYC in certain cases.
Also Read: HDFC Moneyback Credit Card | Marriott Bonvoy Credit Card
Fees & Charges for HDFC Millennia Credit Card
The HDFC Millennia Credit Card has a joining and renewal fee, with a renewal fee waiver available on meeting the annual spending requirement.
| Fee or Charge | Details |
| Joining Fee | ₹1,000 plus applicable taxes |
| Renewal Fee | ₹1,000 plus applicable taxes |
| Renewal Fee Waiver | Waived on spending more than ₹1,00,000 in a year before renewal |
| Finance Charges | 3.75% per month, or 45% per annum |
| Cash Advance Fee | 2.5% of the withdrawn amount or ₹500, whichever is higher |
| Late Payment Charges | Nil for balance up to ₹100 and up to ₹1,300 for balance above ₹50,000 |
| Fuel Surcharge Waiver | 1% waiver on eligible fuel transactions between ₹400 and ₹5,000 |
| Applicable Taxes | Charged as per prevailing government regulations |
Steps to Apply for HDFC Millennia Credit Card
Customers can apply for the HDFC Millennia Credit Card online, through NetBanking, or by visiting an HDFC Bank branch.
- Visit the official HDFC Bank website or open HDFC Bank NetBanking.
- Go to the credit cards section and select the HDFC Millennia Credit Card.
- Enter your mobile number and verify it through OTP.
- Provide your date of birth, PAN, and other required personal details.
- Fill in your employment, income, and address details.
- Review the card offer and select the HDFC Millennia Credit Card, if available.
- Upload the required documents, if requested.
- Complete video KYC or other verification steps, if applicable.
- Submit the application for HDFC Bank’s review and approval.
Also Read: HDFC Rupay Credit Card | HDFC Pixel Play Credit Card
Track HDFC Millennia Credit Card Application Status
Applicants can track the HDFC Millennia Credit Card application status online through HDFC Bank’s application tracking facility.
- Visit the official HDFC Bank website.
- Go to the Track Your Credit Card Application Status section.
- Enter the required details, such as application reference number, mobile number, or date of birth.
- Submit the details to view the current application status.
- Check whether the application is approved, pending, rejected, or under verification.
- Follow any additional instructions shown on the tracking page.
- Contact HDFC Bank customer support if the status is not updated or more details are required.
Features and Benefits of HDFC Millennia Credit Card
The HDFC Millennia Credit Card offers cashback, milestone rewards, dining savings, lounge access, and fuel surcharge benefits.
- 5% Cashback: Earn 5% cashback on selected leading brands, including Amazon, Flipkart, Myntra, Swiggy, Zomato, and Uber.
- 1% Cashback: Earn 1% cashback on other eligible spends, excluding categories such as fuel and rent.
- Welcome Benefit: Receive 1,000 CashPoints on card activation.
- CashPoint Redemption: Redeem CashPoints against statement balance, where 1 CashPoint equals ₹1.
- Minimum Redemption: A minimum of 500 CashPoints is required for statement balance redemption.
- CashPoint Validity: Earned CashPoints are valid for 2 years from the date of accrual.
- Quarterly Milestone Benefit: Spend ₹1 lakh in a calendar quarter to receive a ₹1,000 gift voucher or domestic lounge access.
- Domestic Lounge Access: Get spend-based domestic lounge visit benefits.
- Dining Savings: Save up to 10% on dining bills through Swiggy Dineout offers.
- Fuel Surcharge Waiver: Get a 1% fuel surcharge waiver on eligible fuel transactions between ₹400 and ₹5,000.
- Interest-Free Credit Period: Enjoy up to 50 days of interest-free credit from the date of purchase.
- Contactless Payments: Make quick and secure contactless payments up to ₹5,000 without entering a PIN.
- Monthly Cashback Cap: Cashback is capped at 1,000 CashPoints per statement cycle for accelerated and non-accelerated categories.
Also Read: HDFC Bank Personal Loan
HDFC Credit Card Customer Care Number
HDFC Bank provides dedicated, 24/7 customer support channels to ensure that credit cardholders can report lost cards immediately, resolve queries, or access banking services at any time.
| Service Category | Customer Care Details |
| General Helpline (Across India) | 1800 1600 / 1800 2600 |
| International Helpline (Customers Abroad) | +91 22 61606160 |
| Dedicated Premium Support (Infinia, Diners Black, Imperia) | +91 22 61717606 |
| Service Helpline (Queries & Assistance) | 1800 258 5616 |
| Toll-Free Complaint Number (India Only) | 1800 258 3838 |
| Sales Enquiry | 1800 570 3888 |
| Credit Card Support Timings | 24 hours every day, including Sundays and Bank Holidays |
| General Banking Agent Support | 8:00 AM to 8:00 PM on all days |
Important Security Note: You should only use these official numbers to avoid the risk of fraud. Please be aware that while reporting a lost card is an agent-assisted facility available 24/7, other general banking services may alternate between IVR and agent assistance depending on the time of day.
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