HDFC Millennia Credit Card Benefits, Eligibility, Fees & Offers March 2026

Quick Overview

💳

Network

MasterCard

💰

Joining Fee

Free

⏱️

Processing Time

7-10 working days

📈

Min Income

₹25,000 monthly

🎁

Reward Type

Points

Pros & Cons

✅ 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

🎯 Best For

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

About This 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.

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Key Features

🎁
E-commerce Cashback
5% cashback on Amazon, Flipkart, Myntra, BookMyShow
🎁
Food Delivery Rewards
5% cashback on Swiggy and Zomato orders
🎁
Digital Benefits
Complimentary 3-month Swiggy One membership
🎁
Contactless Payments
Secure contactless payment technology
🎁
World Tier Privileges
Mastercard World Tier benefits and offers
🎁
Easy Redemption
Redeem CashPoints for statement credit

Reward Program

Points Rewards

Value: 0.25 Rupees per unit

E-commerce

Amazon, Flipkart, Myntra, BookMyShow, Cult.fit

5% cashback Points

Food Delivery

Swiggy and Zomato orders

5% cashback Points

Entertainment

Sony LIV and other entertainment platforms

5% cashback Points

Other Spends

All other eligible transactions

1% cashback Points

Fees & Charges

Annual Fee

₹1,000

Joining Fee

₹1,000

Redemption Fee

₹50

Late Payment

Up to ₹1,300

Forex Markup

3.5%

Eligibility Criteria

Age

21-65 years

Income

₹25,000 monthly

Credit Score

700+ preferred

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.