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Learn about the exclusive benefits, cashback offers, and rewards of the HDFC Bank Millennia Credit Card, and how it can improve your shopping experience.
Last updated on: Aug 24, 2026
The HDFC Bank Millennia Credit Card is designed to reward your everyday spending with exciting benefits, including 5% cashback on top e-commerce platforms like Amazon, Flipkart, Myntra, Swiggy, Zomato, and more. Whether you’re shopping online or covering daily expenses, it’s a great choice for earning rewards on regular purchases. The card also offers added privileges like lounge access, fuel surcharge waivers, and Smart EMI options for convenient repayments.
The HDFC Bank Millennia Credit Card offers exceptional value with its range of online shopping benefits and cashback offers.
| Feature | Details |
|---|---|
|
₹1,000 + Applicable Taxes (Spend ₹1,00,000 or more in the first year to get the renewal fee waived.) |
|
₹1,000 plus applicable taxes |
|
5% Cashback on top online merchants: Amazon, Flipkart, Myntra, Swiggy, Zomato, Tata CLiQ, Uber, BookMyShow, Sony LIV, Cult.fit |
|
1% Cashback on other spends |
|
₹1000 worth gift voucher on spends of ₹1 Lakh or more in a calendar quarter |
Disclaimer: The mentioned details are subject to change at the issuer's discretion. Please refer to the official terms and conditions for the most up-to-date information.
The HDFC Bank Millennia Credit Card offers a range of features designed to reward your everyday spending, along with several valuable benefits, including:
Earn 5% cashback on purchases from top online platforms like Amazon, Flipkart, Myntra, Swiggy, Zomato, Tata CLiQ, Uber, BookMyShow, Sony LIV, and Cult.fit
Get 1% cashback on other spends
₹1,000 worth gift voucher or 1 domestic lounge access on spends of ₹1,00,000 and above in each calendar quarter.
Receive 1,000 Reward Points on payment of the joining membership fee.
1% fuel surcharge waiver on fuel transactions (minimum ₹400, maximum ₹5,000, and maximum cashback of ₹250 per statement cycle).
Get 10% additional discount on partner restaurants via Swiggy Dineout.
Get up to 10% additional cashback on purchases through SmartBuy and PayZapp.
There is no minimum transaction value for earning Reward Points, and cardholders will receive an assured reward on all transactions (except fuel transactions).
Enjoy up to 50 days of interest-free credit period to pay back your purchases.
The HDFC Bank Millennia Credit Card features an attractive rewards programme that allows cardholders to earn reward points on eligible spends. These points can be redeemed for Cashback, flight bookings, hotel stays, and a range of exciting offers.
Here are the key details regarding the rewards programme:
5% Cashback on top online merchants like Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber, BookMyShow, and more
1% Cashback on other spends
1 Reward Point = ₹1 when redeemed as cashback against the statement balance
Flight and Hotel Bookings via SmartBuy: 1 Reward Point = ₹0.30
Airmiles Conversion: 1 Reward Point = ₹0.30
Rewards Catalogue: Up to ₹0.30 per Reward Point
Minimum Redemption
500 Reward Points are required for cashback redemption
Monthly Cap on Cashback Redemption
Redemption for cashback is capped at 3,000 Reward Points per calendar month.
Flight & Hotel Bookings:
Capped at 50% with Reward Points; the remaining amount must be paid via the credit limit
Capped at 50,000 Reward Points per calendar month for flight and hotel bookings
Voucher/Products Redemption
Cardholders can redeem up to 70% of the product or voucher value through Reward Points and pay the remaining amount via their credit card.
Here’s an overview of the potential monthly and annual rewards you can earn with the HDFC Bank Millennia Credit Card, based on its rewards structure:
| Category | Monthly Spend (₹) | Reward Points Earned | Monthly Reward Points | Annual Reward Points | Annual Value (₹) |
|---|---|---|---|---|---|
Online Shopping (5% Cashback) |
₹20,000 |
5% Cashback |
1,000 |
12,000 |
₹12,000 |
Other Eligible Spends (1% Cashback) |
₹15,000 |
1% Cashback |
150 |
1,800 |
₹1,800 |
Dining Privileges (Swiggy Dineout) |
₹3,000 |
10% savings |
30 |
360 |
₹360 |
Fuel Transactions (1% Surcharge Waiver) |
₹4,000 |
1% surchargewaived |
40 (Surchargewaiver) |
|
₹480 |
SmartBuy and PayZapp Purchases (10% Cashback) |
₹5,000 |
10% Cashback |
500 |
6,000 |
₹6,000 |
Total Monthly Spend: ₹47,000
Total Annual Spend: ₹564,000
Total Annual Reward Points: 19,640
Total Annual Value: ₹19,640
Disclaimer: The above example is for illustrative purposes only. Actual rewards may vary based on the card variant, spending patterns, and current offers.
Notes:
Unredeemed Reward Points expire after 2 years
New Redemption Policy (effective from 1st Feb 2026) - Reward Points can be redeemed up to 5 times a month
The HDFC Bank Millennia Credit Card comes with a set of fees and charges that apply based on your usage. It is important to be aware of these fees to make the most of the card while avoiding additional costs.
Below is a breakdown of the key fees and charges associated with the card:
| Fee Type | Details |
|---|---|
|
₹1,000 plus applicable taxes. Waived off if ₹1 lakh or more is spent in a year before the renewal date. |
|
2.5% of the amount withdrawn or ₹500, whichever is higher, levied on cash withdrawals from ATMs (India/abroad). |
|
2% of the payment amount, subject to a minimum of ₹450. |
|
₹500 plus GST, levied on Insta Jumbo loans for non-payment/partial payment of EMI outstanding. |
|
A fee of ₹100 applies for payments made through cash deposits at HDFC Bank branches or ATMs. |
|
3.75% per month (45.0% annually) on cash advances. |
|
3.50% of the transaction value for foreign currency transactions. |
|
₹99 per redemption request. |
|
₹50 per cashback redemption. |
Disclaimer: The above-mentioned fees and charges are subject to change at the discretion of the issuer. Before applying, check the issuer’s Most Important Terms and Conditions (MITC) document to verify.
To apply for the HDFC Bank Millennia Credit Card, you must meet the following criteria based on your employment status:
Nationality: Indian resident
Age: 21 to 40 years
For Salaried Individuals:
Income: Minimum net monthly income of ₹35,000
For Self-employed Individuals:
Income: Minimum annual Income Tax Return (ITR) of ₹6 Lakhs
Disclaimer: Eligibility is subject to HDFC Bank’s policies, verification process, and final approval decisions.
When applying for the HDFC Bank Millennia Credit Card, you'll need to provide certain documents to verify your identity, income, and financial health.
Here’s a list of the required documents:
| Document Type | Details and Purpose |
|---|---|
|
Required for income verification and proof of annual income. |
|
Used to assess the applicant's financial health and spending patterns. |
|
Helps to verify business transactions for creditworthiness (for self-employed applicants). |
|
Needed for self-employed applicants to validate business income. |
Disclaimer: Document requirements are subject to change; verify with HDFC Bank for the most accurate and updated list.
Applying for the HDFC Bank Millennia Credit Card on Bajaj Markets is a simple and efficient process. Just follow these steps:
Click on ‘Check Card Offer’ and enter your basic details, including mobile number, date of birth, and occupation
Enter the OTP sent to your registered mobile number to securely confirm your identity
Check the accuracy of your PAN, email ID, residential PIN code, and income information
Select the HDFC Bank Millennia Credit Card from the list of available options, choose the card that best suits your needs
Hit ‘Submit’ to complete the application and receive instant confirmation of your eligibility
For assistance or queries, contact HDFC Bank Customer Care at 1800-1600 or 1800-2600, available 24/7, including weekends and bank holidays.
Reviewer
The HDFC Bank Millennia Credit Card ensures rewards on all transactions, with no minimum spend required to earn CashPoints (except for fuel transactions).
Enjoy up to 50 days of interest-free credit to repay your purchases.
Cardholders will not receive 1% cashback on any EMI transactions, including those made on the 10 online merchants that offer 5% cashback.
CashPoints are the reward points earned by HDFC Bank Millennia Credit Cardholders. They can be redeemed as cashback against the card statement at a conversion rate of 1 CashPoint = ₹1.
The HDFC Bank Millennia Credit Card offers a range of benefits, including 5% cashback on select online merchants, exclusive dining offers, lounge access, fuel surcharge waivers, and more—making it an excellent choice for frequent shoppers and diners.
While both cards offer premium benefits, the HDFC Bank Regalia Credit Card is suited for individuals seeking higher travel rewards and elevated privileges. The Millennia Credit Card, in contrast, focuses on attractive cashback offers and is ideal for regular shoppers and diners.
Yes, the HDFC Bank Millennia Credit Card provides lounge access benefits as a part of quarterly spends milestone program, allowing you to enjoy relaxing spaces at select airports.
No, the HDFC Bank Millennia Credit Card has an annual membership fee of ₹1,000 plus taxes, but the renewal fee can be waived if you spend ₹1,00,000 or more within the first year.
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