HDFC Millennia Credit Card Review

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If the HDFC Millennia card gets your attention and you want to know more about this card then in this post we are going to review the HDFC Millennia Credit Card.

HDFC Millennia Credit Card Review

Millennia Card is for those who shop online frequently and want to earn rewards on their purchase.  This Card is one of the best cards, when it comes to cashback rewards.

This card provides 5% cash back on online purchase and 1% cash back on all transactions.

HDFC Millennia Credit Card Review

Welcome Benefit and Joining

  • Joining Fee – 1000
  • Renewal Fee- 1000  (Can be waived off on spending of 1. Lakh per year)
  • Category – Mid level
  • Welcome Benefit- 1,000 Rewards Point on the payment of membership fee

Rewards and Cashbacks

  • 5% Cash back on online purchase.
  • 1% Cashback on all transactions.
  • One cashpoint = Re.1
  • Cash back is given in the form of Points.
  • Cashback can be Redeemed against the statement balance.
  • Minimum 500 cash points required to Redeem.

Other Benefits

  • 8 complimentary access to domestic lounge per year (2 in a quarter).
  • No annual fee on the spending of Rs.1 lakh per annum.
  • 1% Fuel surcharge waiver on transactions between Rs. 400 to Rs. 5000.

Fees and Charges

  • Joining Fee : Rs. 1000
  • Annual Fee: Rs. 1000 (waived off on spending of Rs. 1,00,000 per year.
  • Finance Charges: 3.6% p.m./43.2% p.a.

Eligibility Criteria

  • Occupation: Salaried or Self-Employed
  • Age requirement: 21 to 40 yrs.
  • Minimum Salary: Rs. 35,000 per month
  • Minimum Income for self- employed: Rs. 6 lakh per annum.

EMI Options

  • Statement Balance can be converted to EMI for the tenure of 6 to 24 Months.
  • Tenure can be selected while converting outstanding amounts into EMI.

Who Are Suitable Users?

  • HDFC Millennia Credit Card is well suited for those who do very frequent online transactions with multiple brands.
  • It offers 5% Cashback on online transactions for shopping with any Brand.
  • Brand includes Amazon, Bookmyshow, Flipkart, Zomato, Myntra, Swiggy, Uber and Sony liv*.


HDFC Millennia Credit Card is designed for those who travel and shop. This card provides you 5% Cashback on online shopping which makes it the most shopping friendly card available.

The Card also allows you 8 Complimentary lounge access to Domestic Airports. Cashbacks on all big online merchants Amazon, Flipkart, Zomato, Uber, Swiggy, Myntra makes this Card must have.

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It also gives you an opportunity to waive off your annual fee only on the spending of merely 1 lakh in a year. Those who do not prefer online shopping can opt for another Card as this Card is not for Retail Customers, who visit retail stores for purchases.

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Mohit Sharma

Reading is my soul and writing is breathing. Reading, writing and it revolves so i can survive. I spend most of time reading and learning about technology. And by blogging my goal is to share my knowledge with others