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.
Join Our Community Channels
Save Upto Rs.10,000 Per month with exclusive offers and deals. Get instant alerts!
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.
Ready to Apply for HDFC Millennia Credit Card?
Join thousands of satisfied customers and start earning rewards today. Apply online in just 5 minutes!
Apply Now - Get Instant Approval ⚡