HDFC

HDFC Millennia Credit Card

Apply for HDFC Millennia Credit Card and earn 5% cashback on Amazon, Flipkart, Myntra, Swiggy & Zomato. Get ₹1,000 voucher per quarter on ₹1L spend

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Issued by

HDFC

HDFC Millennia Credit Card image
Joining Fee₹1000
Annual Fee₹1000
Income₹35000
Credit Score720

Key Highlights

Dining

Get 10% Additional Discount on Swiggy Dineout

using coupon code HDFCCARDS

Shopping

Earn 1% Cashback on all Other Spends

redeemable as statement credit, capped at 3,000 reward points per calendar month

Shopping

Earn 5% Cashback on Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, Uber, BookMyShow, Sony LIV and Cult.fit

cashback is in reward points redeemable against statement balance (1 point = ₹1)

Shopping

Get up to 10% Additional Cashback Across 200+ Brands

via SmartBuy/PayZapp Shop

Earn 5% cashback on Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, Uber, BookMyShow, Sony LIV and Cult.fit

cashback is in reward points redeemable against statement balance (1 point = ₹1)

Get 10% Additional Discount on Swiggy Dineout

using coupon code HDFCCARDS

Eligibility

Age Criteria21-60

Applicants must be between 21 and 60 years of age at the time of application.

Credit Score720

A minimum credit score of 720+ is recommended for approval.

Salaried Income₹4 LPA

A minimum annual income of ₹4 LPA is required to apply for this card, as per bank eligibility criteria.

Self-employed Income₹6 LPA

A minimum annual income of ₹6 LPA is required to apply for this card, as per bank eligibility criteria.

Employment TypeSelf Employed, Salaried
New to CreditEligible

Fees & Waivers

Joining Fee₹1000

A one-time joining fee of ₹1000 is charged at the time of card issuance as per the bank's policy.

Joining Fee OffsetNot Applicable
Annual Fee₹1000

The annual fee is charged every year and may be waived if you meet the bank's spending conditions.

Annual Fee WaiverThe annual fee is waived if you spend ₹1 lakh or more in a year on your card, as per bank policy.
Estimated Annual Saving₹14115

Rewards & Redemption

Reward Conversion1 Reward Point = ₹1
Redemption Options
  • Flights & Hotels
  • Products & Vouchers
  • Statement Credit (CashBack)
Earning ExclusionsFuel Spends, Rent Payment, Government Transactions, Cash Advances, Outstanding Payment, Bank Charges & Fees, EMI Spends, Wallet Loads, Prepaid Card Loads, Voucher Purchases, Education Spends, Cancelled Transactions
Spend ExclusionsFuel Spends, Rent Payment, Wallet Loads, Prepaid Card Loads, Gift Card Loads, Voucher Purchases, Cash Advances, EMI Spends, Interest Charges, Bank Charges & Fees

Benefits

All Card Benefits

  • 5% cashback on leading brands — Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, Uber, BookMyShow, Sony LIV, and Cult.fit
  • Cashback is earned as reward points (1 reward point = ₹1 as statement credit)
  • 1% cashback on all other spends
  • Cashback redemption capped at 3,000 reward points per calendar month (minimum 500 points required for redemption)
  • Up to 10% additional cashback across 200+ brands via SmartBuy/PayZapp Shop
  • ₹1,000 gift voucher on spending ₹1,00,000 or more in each calendar quarter (alternatively, choose 1 domestic lounge access)

Airport Lounge Benefits

  • 1 domestic lounge access per calendar quarter on spending ₹1,00,000 or more in that quarter (part of milestone program — choose either lounge access voucher or ₹1,000 gift voucher)
  • Lounge access is integrated into the quarterly spends milestone program

Dining

  • 10% additional discount on Swiggy Dineout using coupon code HDFCCARDS

Fuel Surcharge Waiver Benefits

  • 1% fuel surcharge waiver at all fuel stations across India, Applicable on minimum transaction of ₹400 and maximum transaction of ₹5,000, Maximum waiver of ₹250 per statement cycle

Milestone Benefits

Minimum Spend₹100000
Within90 days
Voucher Bonus₹1000

Documents

PAN Card
Aadhaar Card or valid address proof
Latest salary slips or income proof
Recent bank statements

Terms

...rewards
Welcome benefit is applicable only on spends within 30 days of card issuance

FAQ

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