Finding a credit card that actually gives value back is tricky. Most cards drown you in points you never redeem or benefits you don’t use. That’s where the HDFC Millennia Credit Card stands out. It’s built for everyday life. You can earn cashback on online shopping, dining, travel bookings, and even entertainment. This review breaks down how the card works in plain language, from cashback and perks to fees and who it really suits. By the end, you’ll know whether the Millennia fits into your money life or not.
Quick Overview
| Feature | Details |
|---|---|
| Card Issuer | HDFC Bank |
| Annual Fee | ₹1,000 + GST (waived if you spend ₹1,00,000 in a year) |
| Welcome Bonus | ₹1,000 worth gift vouchers (on quarterly spends of ₹1,00,000) |
| Best For | Online shoppers, foodies, young professionals, lifestyle spenders |
HDFC Millenia Credit Card Review – Key Benefits
Cashback/Rewards
- 5% cashback on Amazon, Flipkart, Myntra, Zomato, Swiggy, Uber, Tata CLiQ, SonyLIV, BookMyShow, Cult.fit.
- 1% cashback on everything else (yes, even EMI and wallet payments).
- Quarterly bonus vouchers worth ₹1,000 if you hit ₹1,00,000 spend in 3 months.
👉 Think of it this way: if you spend ₹20,000 a month on online shopping, food orders, and cabs, you can save close to ₹1,000 every month just in cashback.
Travel Benefits
- 8 free domestic airport lounge visits per year – handy if you fly for work or weekend getaways.
- Works best for people who want comfort while travelling without splurging on premium cards.
Shopping & Partner Offers
- 10% discount on Swiggy Dineout with HDFC cards.
- Regular seasonal tie-ups with e-commerce platforms like Amazon, Flipkart, Myntra.
EMI & Big Spend Perks
- Any purchase above ₹10,000 can be converted into a 9-month EMI automatically.
- Helpful for buying gadgets, furniture, or festival shopping without breaking savings.
Fees & Charges
- Joining/Renewal Fee: ₹1,000 + GST (waived if you spend ₹1,00,000 annually).
- Interest Rate (APR): ~3.49% per month.
- Late Payment Fee: ₹100 – ₹1,100 depending on bill amount.
- Forex Markup: 3.5% (not the best for international spends).
Pros & Cons
Pros
- 5% cashback on brands you actually use.
- Quarterly spend rewards for consistent users.
- Free domestic lounge access.
- Annual fee waiver possible.
Cons
- No fuel benefits.
- High forex fee, so not great for international travellers.
- Cashback capped at ₹1,000 per month.
Who Should Apply for HDFC Millennia Credit Card?
Best for:
- Young professionals shopping online often.
- Women juggling work, family, and online grocery/fashion orders.
- People who order food or use cabs regularly.
Not ideal for:
- Frequent international travellers (forex charges are high).
- People who want fuel-specific benefits.
- Casual spenders who won’t cross ₹1,00,000 yearly spend.
How to Apply for HDFC Millennia Credit Card
Eligibility:
- Age: 21–60 years
- Income: ₹25,000 per month (salaried)
- Good credit history
Documents Needed:
- Aadhaar/Passport/Voter ID (identity)
- Utility bill/Passport (address proof)
- Salary slip/ITR (income proof)
👉 You can apply online here: HDFC Bank Millennia Credit Card
FAQs
Q1: How do I earn 5% cashback?
Spend on partner brands like Amazon, Flipkart, Zomato, Uber, Myntra, etc. Cashback is auto-credited as CashPoints.
Q2: How do I redeem cashback?
CashPoints can be adjusted against your card bill. 1 CashPoint = ₹1.
Q3: Is there a cashback cap?
Yes, you can earn a maximum of ₹1,000 cashback per month.
Q4: Can this card be used abroad?
Yes, but you’ll pay a 3.5% forex markup.
Q5: Does it come with travel insurance?
No, only lounge access is included.
Conclusion
The HDFC Millennia Credit Card is a smart option for people who spend most of their money online – shopping, food delivery, subscriptions, and cab rides. With 5% cashback on brands we use daily and a simple redemption system, it actually feels rewarding.
If you’re a young professional or a family manager spending around ₹20,000+ online each month, this card can easily save you ₹10,000–₹12,000 a year.
👉 Verdict: Great everyday cashback card for digital-savvy millennials.
If you shop and order online often, this card can help you save thousands every year.
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