HDFC Millennia Credit Card

4.1 (3,200 reviews) Featured

Annual Fee

Free

Welcome Bonus

Lifetime Free Till 31st october

Cashback

Up to 5% cashback

Processing Time

7-10 working days

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Quick Overview

Annual Fee

Free

Joining Fee

Free

Welcome Bonus

Lifetime Free Till 31st october

Reward Type

Points

Cashback Rate

Up to 5% cashback

Credit Limit

Up to ₹5,00,000

Min. Income

₹25,000 monthly

Age Requirement

21 years

Network

MasterCard

Perks & Tradeoffs

Pros

5% cashback on Amazon, Flipkart, Swiggy, Zomato
1% cashback on all other spends
Complimentary 3-month Swiggy One membership
Low minimum income requirement
Good for online shopping and food delivery
Decent customer support
World Tier Mastercard privileges

Cons

Annual fee of ₹1,000 with high waiver criteria
Redemption fee of ₹50 for statement credit
Limited partner merchants for 5% cashback
No forex markup waiver
Complex reward structure
Fee waiver requires ₹1,00,000 annual spend

About The Card

The HDFC Millennia Credit Card is crafted for the millennial generation who prefer digital transactions and online shopping. With attractive cashback on popular e-commerce platforms and comprehensive digital benefits, this card offers excellent value for everyday spenders.

Best For

Millennial online shoppers Food delivery app users Digital payment enthusiasts Entry-level cardholders Regular e-commerce users Urban lifestyle spenders

Reward Program

Points Rewards

Value: 0.25 Rupees per unit

Default Reward Rate

Up to 5% cashback

in Points

Welcome Bonus

Lifetime Free Till 31st october

Eligibility Criteria

Minimum Income

₹25,000 monthly

Age Requirement

21-65 years

Employment

Salaried/Self-employed

Required Documents

📄 PAN Card
📄 Aadhaar Card
📄 Salary Slips
📄 Bank Statements
📄 Form 16/ITR
📄 Address Proof

Frequently Asked Questions

Does HDFC Millennia Credit Card have any annual fee?

No, HDFC Millennia Credit Card has no annual fee. This makes it a cost-effective option for cardholders.

What welcome bonus do I get with HDFC Millennia Credit Card?

New HDFC Millennia Credit Card cardholders can earn Lifetime Free Till 31st october. This welcome offer is typically available for a limited time and subject to meeting minimum spending requirements.

What cashback rates does HDFC Millennia Credit Card offer?

HDFC Millennia Credit Card offers Up to 5% cashback. The cashback rates may vary by category and spending patterns, providing excellent value for everyday purchases.

What are the eligibility criteria for HDFC Millennia Credit Card?

To be eligible for HDFC Millennia Credit Card, you need a minimum income of ₹25,000 monthly. Additional criteria may include age requirements, credit score, and employment status. Contact for complete eligibility details.

How long does it take to get HDFC Millennia Credit Card approved?

The typical processing time for HDFC Millennia Credit Card is 7-10 working days. Processing times may vary based on document verification and credit assessment. You may receive instant approval for pre-approved applications.

How can I apply for HDFC Millennia Credit Card?

You can apply for HDFC Millennia Credit Card online through our secure application process. The application is quick and convenient, requiring basic personal and financial information.