HDFC Millennia Credit Card Review

HDFC Millennia Credit Card Review
HDFC Millennia Credit Card Review

HDFC Millennia is one of HDFC Bank’s most rewarding credit cards on offer. If a cashback card is on your mind, HDFC offers a great option with the Millennia, which is fast becoming one of its most issued credit cards. Here you can also check hdfc diners club black credit card annual fee and hdfc regalia credit card offers.

Targeted towards its namesake – Indian millennials – the HDFC Millennia has offers on frequently used portals such as Amazon, Flipkart, and Smartbuy (travel bookings). Here is our review of the HDFC Millennia credit card, where we delve deep into the pros, cons, rewards, cashback, and more. We attempt to answer the question of whether you should get one for yourself or not?

HDFC Millennia Credit Card
HDFC Millennia Credit Card

Fees and Charges

Joining FeeRs 1,000 plus taxes
Annual FeeRs 1,000 plus taxes
Interest Rate3.49% per month

Pros And Cons

Every credit card has its own pros and cons, some more of one than the other. Let’s have a look at HDFC Millennia’s pros and cons

  • Balanced cashback on both online and offline spends. Up to 5%
  • This is the only HDFC credit card that gets you cashback on wallet reloads
  • 8 complimentary domestic lounge visits every year (2 per quarter)
  • Milestone benefits – Rs 1,000 worth gift vouchers for Rs 1 lakh spend every quarter. You can make Rs 4,000 per annum easily
  • Extremely convenient membership fee waiver of Rs 1 lakh per annum
  • Unduly monthly cashback earning limits, which get worse after 6 months of issuance. Thus, not for high spending users
  • Minimum transaction size for cashback on online spends is high – Rs 2,000
  • Points are added in bulk at the beginning of the month

Rewards and Cashback

HDFC Millennia has a ton of great options for rewards and cashback, which you can redeem as a statement credit (1 point = Re 1). Let’s have a look.

  • 5% cashback on Amazon, Flipkart, flight, and hotel bookings (only via PayZapp and Smartbuy portals)
  • 2.5% cashback on all other online spends
  • The minimum transaction size is Rs 2,000 for both. You can earn a maximum of Rs 1000 cashback per calendar month in the first 6 months, and a max of Rs 750 cashback post 6 months from card issuance
  • 1% cashback (up to Rs 750 per month) on all offline spends and wallet reloads
  • 1% fuel surcharge waiver at all fuel stations

Who Should Get HDFC Millennia Credit Card?

With competitors like Amazon Pay ICICI and Flipkart Axis offering unlimited cashback, albeit, on their partner websites, the HDFC Millennia’s monthly limits and minimum transaction asks to look restrictive.

That said, it is a lifetime free credit card for HDFC customers. Thus, it makes sense for HDFC Bank account holders to get this card as their first card with the bank. They can use it regularly and for high spending to level up to more of HDFC Bank’s super-premium cards like Infinia and Diners Black.

Also, for those who like milestone benefits – this is a great entry-level card for you. You can easily make around Rs 5,000 extra in cashback by spending around Rs 4 lakhs in a year.

Eligibility Criteria

HDFC Millennia credit card eligibility is one of the most straightforward and simplest processes, especially if you are an existing HDFC Bank customer.

1. Age

  • If you are a salaried individual – 21 years to 60 years.
  • If you are a self-employed individual – 25 years to 65 years.

2. Occupation

  • Self-employed Individuals
  • Salaried individuals

3. Income

  • Salaried- More than Rs 25,000 per month.
  • Self-employed- More than Rs 50,000 per month.

4. Location

You should be living and working in one of the serviceable pin codes on HDFC Bank’s website.

5. ID Proof (any one of the following)

  • PAN Card
  • Aadhaar Card
  • Voter ID
  • Driving License
  • Passport


Source: HDFC Bank

Cashback and Rewards: 4/5

Fees and charges: 5/5

Eligibility: 5/5

Overall: 4.5/5


HDFC Millennia is a great starter card if you are looking to build a relationship with HDFC Bank and unlock their super-premium products and services. However, in the general entry-level credit card market, cards like Amazon Pay ICICI and Flipkart Axis provide unlimited 5% cashback on their respective partners.

In case you don’t want to get both the abovementioned cards and want similar benefits in one, the HDFC Millennia is for you. It is also for you if you like complimentary lounge visits and cashback on wallet reloads.

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