HDFC

HDFC Millennia Credit Card

HDFC Millennia Credit Card offers welcome benefits of 1000 cash points along with 8 domestic lounge access to its customers. Read now to get details.

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HDFC Millenia Credit Card is one of the popular credit cards by HDFC Bank. It offers several advantages for its users to lead a smooth and luxurious lifestyle.

HDFC Millennia Credit Card Banner

With a membership fee of Rs. 1000, along with the applicable taxes, you can avail of several benefits. Along with that, you will also enjoy the waiver of the renewal fee for the next year for spending Rs. 1 lakh in a calendar year. To know more about the HDFC Millennia Credit Card, read below further-

 Highlights of HDFC Millennia Credit Card 

Welcome BenefitsRs. 1000 gift voucher if spends exceed Rs. 1 lakh each quarter
Joining fee waived off if you make a transaction of Rs. 30,000 in first 90 days
While paying joining fee get 1000 cashpoints
Joining FeeRs. 1000 plus taxes
Annual FeeRs. 1000 plus taxes
Cashback BenefitsUp to 5% on all purchases
Earn cash points worth up to Rs. 2250 per month
Get 2.5% cashback on transaction of Rs. 2000
Fuel Benefits1% Fuel surcharge waiver on transaction of min Rs. 400
Travel Benefits8 Airport lounge access at just Rs. 2 per visit

Looks good for you? Apply here.

Table of Contents:

Features of HDFC Millennia Credit Card

The HDFC Millennia Credit card is specifically designed for those customers who want to elevate their living standards. It offers several lifestyle benefits and complimentary offers for various purposes. We have made a list of several benefits and features of the HDFC Millennia Credit Card that you can enjoy. Here are some important features listed below-

Welcome Bonus

With the HDFC Bank Millennia Credit Card, you get a gift voucher of Rs. 1000 in every quarter calendar. You get this benefit for spending Rs. 1 lakhs the first time using a credit card.

After that, the membership fees for the first year will be waived if you spend Rs. 30000. The transaction should be done within 90 days of card issuance.

Along with that, you also get a welcome benefit with the HDFC Bank Millennia Credit Card. In this benefit, you get 1,000 cash points with this credit card.

Lastly, you will earn cash points of Rs. 2,250 every month. Also, for every maximum purchase of Rs. 30,000 under 90 days of card issuance, your membership fee will be waived off by the bank.

Cashbacks

In the cashback benefit, you will receive a cashback of 5% on every purchase with the HDFC Bank Millennia Credit. Also, you can redeem this benefit as “CashPoints.”

You will get 1000 Cash Points as Renewal benefit and Welcome benefit.

Fuel Surcharge

You will get a fuel surcharge benefit with the HDFC Bank Millennia Credit. For every transaction of Rs. 400, you will get a fuel waiver of 1%. Thus, the maximum cashback for fuel waiver that you can earn is Rs. 250.

Contactless Payments

The HDFC Bank Millennia Credit is in-built with CHIP. You can make contactless payments using a credit card for transactions up to Rs. 2000. For this, you will not have to enter your PIN.

Thus, this will help you to make safe and secure transactions anywhere.

Sleek Design

The HDFC Millennia Credit Card has a sleek and neat design that attracts millennials who love minimalist designs. On the front of the card, the chip and your name are embossed which is looks classy. On the other side, all the necessary details are given for safe and contactless transactions.

Want to compare with other cards? Visit compare credit cards benefits.

Benefits of HDFC Bank Millennia Credit Card

There are several benefits that are available with the HDFC Bank Millennia Credit Card. To know more about the benefits in detail, read further below-

Dining Discounts

With the HDFC Bank Millennia Credit, you open exciting chances of getting dining discounts at above 3000 restaurants across India. You just need to present the HDFC credit card during the time of payment and you can avail yourself of several discounts-

  • You will get up to 40% Discount on Saturday, Friday, and Sunday.
  • You will also get a discount of up to 20% for Premium Dining at several restaurants in around 20 cities in the country.
  • You will also get a 25% discount on Buffet.
  • After that, you can also get a discount of around 30% at various chef specialty restaurants across India.

Thus, these are the dining benefits through which you can enjoy scrumptious food at several five-star restaurants across India.

Complimentary Lounge Access

The HDFC Bank Millennia Credit also offers several traveling benefits. You will get around 8 Complimentary Lounge Access at several airports. But, it comes with a specific condition.

You are only allowed for 2 lounge access in every quarter. Along with that, you have to pay Rs. 2 for accessing the domestic lounge upon the credit card.

This feature will enhance your traveling experience to a new level. You can easily make payments and earn rewards as well without much worry.

Online Shopping

When you pay through your HDFC Bank Millennia Credit for online shopping from Flipkart and Amazon, you will get a 5% Cashback. But, the minimum transaction should be Rs. 2000 of your online spending.

After that, you can also earn 1% cash back for online wallet recharge with a minimum transaction of Rs. 100. the maximum amount for cashback that you can avail of is Rs. 750.

You get other cashback benefits using the HDFC Millennia Credit Card of a 5% discount. You can avail of this discount when you use the SmartBuy and PayZapp app. The minimum amount of transaction is Rs. 2000.

Hence, you can do online shopping with several online websites such as Amazon, Flipkart, and many more. Also, with the amazing gift vouchers, you can enjoy the luxurious lifestyle with the Millennia Credit Card.

EMI Transactions

The users of HDFC Bank Millennia Credit can enjoy this benefit. Here, you can convert your cashback benefits into EMI transactions. To get avail of this benefit, you can simply call the concierge desk of HDFC Bank and get avail of this benefit.

You can also visit the website of HDFC Bank to convert your CashPoints into EMIs.

Get details about other cards: Paytm SBI Select Credit Card | Axis Bank Freecharge Plus Credit Card

Redeeming Cashback of HDFC Millenia Credit Card

There are few easy steps that you need to understand to redeem the cashback. Firstly, you can redeem your cash back as “CashPoints”. Here are the things that you need to understand-

  • One CashPoint has the value of Re.1. Thus, you have to collect 25000 CashPoints to redeem them.
  • Along with that, you can redeem the CashPoints as the multiples of Rs. 500.
  • You will get to redeem the cash points by choosing any benefit in the Rewards Catalogue.
  • After that, you must redeem your cashback within 1 year, otherwise, they will expire.
  • When redeeming for hotel and flight bookings, the value of one CashPoint will be Rs. 0.30

Eligibility Criteria for HDFC Millennia Credit Card

There are some eligibility criteria set by the HDFC Bank to apply for the HDFC Bank Millennia Credit. Thus, to avail of this credit card, you should meet the eligibility criteria that are listed in the following-

Age

Firstly, the minimum age to apply for the HDFC Millennia Credit Card for both salaried and non-salaried individuals is 21 years.

Also, the maximum age to apply for the HDFC Bank Millennia Credit Card for salaried individuals is 60. Whereas, if you are self-employed, then the maximum age to apply for HDFC Bank Millennia Credit Card is 65 years.

Income

To apply for the HDFC Bank Millennia Credit Card, the income of the salaried individuals should be Rs. 30000 per month.

Income Tax Return

For self-employed applicants, the yearly income tax return should be above Rs. 6 lakhs. It is very important to meet these criteria to obtain an HDFC Millennia Credit Card.

Nationality

The nationality of both salaried and self-employed applicants should be Indian. The Non-Resident Indians are also eligible to apply for HDFC Bank Millennia Credit Card.

These requirements of documents can differ according to the changing rules and regulations by the government. Also, it is very important to present accurate documents. As the bank will verify then decide to allow you to obtain the HDFC Bank Millennia Credit Card. Thus, you must give the right documents for verification to the bank.

Documents Required for HDFC Millennia Credit Card

These are the documents that you will need to submit for the Millennia Card by Axis Bank-

Identity Proof

  • Passport
  • Adhaar Card
  • Recent Coloured Passport Sized Photograph
  • Driving License

Income Proof

  • PAN Card photocopy or Form 16
  • Recent Salary Slip
  • Income Tax Return copy of past six months

Address Proof

  • Voter ID Card
  • Adhaar Card
  • Ration Card
  • Passport
  • Electricity Bill

The documents that are mentioned above are important and they can change according to the regulations. You may have to submit additional documents to apply for the HDFC Bank Millennia Credit Card.

Fees and Charges of HDFC Millennia Credit Card

These are the fees and charges of HDFC Bank Millennia Credit Card that you should know-

Joining Fee or Membership Fees– The joining fee or membership fee of HDFC Millenia Credit Card is Rs. 1000.

Annual Fee– The Annual Fee for HDFC Millenia Credit Card is Rs. 1000.

Finance Charges– The HDFC Bank Charges finance charges 3.6% per month.

Cash Advance Fees– The bank charges 2.5% as cash advance fees.

Renewal Membership Fee– The renewal membership fee is Rs. 1000 along with the applicable taxes.

Fees for First Year membership– You have to pay Rs. 1000 as first-year membership along with applicable taxes.

Fees for Payment Return– You have to pay 2% of the total amount as a return fee. the minimum fee is Rs. 450.

Charges for Cash Processing– HDFC Bank Chares Rs. 100 as fees for cash processing.

Charges for over-limit– The Bank will charge you 2.5% on the total over-limit amount from your Millenia Credit Card. the minimum charge is Rs. 550.

Fee for Late Payment-For payment less than Rs. 100 you don’t have to pay any charges. For payment between Rs. 100 to Rs. 500- Rs. 100. Rs. 500 for payment between Rs. 501- Rs. 5,000. Rs. 600 for payment between Rs. 5001 to Rs. 10,000. For payment between Rs. 10,000-Rs. 25,000, Rs. 800. Rs.1,100 for payment between Rs. 2500 to Rs. 50,00. For payment due more than Rs. 50,000- Rs. 1300.

Payment Options for HDFC Millennia Credit Card

There are various ways through which you can pay for your HDFC Bank Millennia Credit Card with several online facilities-

Net Banking

You can pay the bills of HDFC Bank Millennia Credit Card through Net Banking as well.

Online Payment Gateway

You can pay for the HDFC Millennia Credit Card through several payment gateways such as PayTm, GPay, and others.

Mobile Application

You can install the application of HDFC bank on your smartphone. Thus, you can pay your credit card bills through the mobile app as well.

Billdesk Portal

Along with all the payment options, you can also use the Billdesk for paying your HDFC Millennia Credit Card.

Application Process for HDFC Millennia Credit Card

If you want to apply for HDFC Bank Millennia Credit Card, you need to follow these steps-

  • Firstly, you need to visit the official website of HDFC Bank.
  • Choose your credit card from the available list.
  • Then check your eligibility with your credit card
  • The next step is to fill in the necessary details such as name, PAN, address, etc.
  • You also have to upload the above-listed documents.

After upload, the HDFC Bank will verify your application. Then the Millennia Credit Card will be delivered to your address within 15 days. However, you can also visit the nearest branch of HDFC Bank in your location and opt for offline application mode for HDFC Millennia Credit Card.

This are some important information about the Millennia Credit Card offered by the HDFC Bank. It can help you to understand its requirement and you can easily apply for a credit card if you are eligible.

Frequently Asked Questions for HDFC Bank Millennia Credit card

If you have any queries regarding the HDFC Bank Millennia Credit Card, you can read further-

Does HDFC Bank allow its customers to have more than one credit card?

Yes, if you already have another HDFC Credit Card, you can still apply for HDFC Bank Millennia Credit Card. But, it may have a certain set of regulations. So you must contact your bank to know about the details.

Is HDFC Millenia Credit Card Good?

Yes, HDFC Millenia Credit Card is one of the best credit cards by HDFC Banks. You can make online purchases, discounts on hotel bookings, gift vouchers, EMI transactions, offline purchases, complimentary lounge access, dining discounts at premium restaurants across India, and many more.

Can I make contactless payment using the HDFC Bank Millennia Credit card?

Yes, you can make contactless payments using the HDFC Bank Millennia Credit Card. it is encrypted with a Personal Identification Number or PIN as well. It is built with contactless technology for contactless payment for a transaction amount of up to Rs. 2000.

What to do If I lose my HDFC Bank Millennia Credit Card?

If you lose your HDFC Bank Millennia Credit Card, you need to inform HDFC Bank to stop the fraudulent payments. You can immediately call the customer care number of HDFC Bank which is 022-6160-6161. The timings for contacting the HDFC Bank are 9:30 Am to 5:30 Pm.

Am I eligible for HDFC Bank Millennia Credit Card if I have started my job recently?

If you want to apply for HDFC Card, you need to be employed with an organization for about six months. Along with that, if you already have a salary account with HDFC Bank, then this criteria can be waived.

What is the expiration limit of cash points of HDFC Millennia Credit Card?

You should redeem your cash points within 1 year. After that, they will expire automatically.

Is it possible to withdraw cash using the HDFC Millennia Credit Card?

Yes, you can withdraw cash with the HDFC Bank Millennia Credit Card if you are in need of cash. You can visit any ATM and withdraw money. the HDFC Bank charges 2.5% as a cash withdrawal fee on the total amount. This will be stated in the next credit card statement.

What is the limit of Credit Card HDFC?

The limit of Credit Card HDFC depends upon several factors. These factors include a good credit score, ongoing debts, repayment habits, etc. Thus, the HDFC Bank will decide the limit of your HDFC Bank Millennia Credit Card.

What are the welcome benefits of HDFC Bank Millennia Credit Card?

With the HDFC Bank Millennia Credit Card, you get several welcome benefits such as a gift voucher of Rs. 1000 for a transaction value of Rs, 1 lakh in every calendar quarter. Along with that, you also get a renewal benefit in the first year for spending Rs. 1 Lakh using the HDFC Millennia Credit Card. Apart from that, you get cashback benefits of around 5% on every online and offline purchases as well.

What are the charges and fees of the HDFC Millenia Credit Card?

These are the charges and fees of Millennia Credit Card are-

Renewal Fee- Rs. 1,000 and GST charges.

Membership Fee- Rs. 1000 and GST charges.

Fees for cash advance- 2.5% on the total amount.

Late Payment Fees- No charges for up to Rs. 100.

  • Rs. 100 for Rs. 100-Rs. 500.
  • Rs. 500 for the amount due between Rs. 501-Rs.5000.
  • Rs. 600 for the amount due between Rs. 5001- Rs. 10,000.
  • Rs. 800 for the amount due between Rs. 10,001-Rs. 25,000.
  • Rs.1100 for the amount due between 25,000-Rs. 50,000.
  • Rs. 1300 for the amount due more than Rs. 50,000.

Finance Charges- HDFC Bank charges 3.6% monthly as finance charges.

What are the important documents required to apply for HDFC Millenia Credit Card?

If you want to apply for Millenia Credit Card, you need to submit these important documents for verification-

Address Proof-Ration Card, Adhaar Card, Passport, Electricity Bill

Identity Proof– Recent color passport-sized photograph, Adhaar Card, Voter ID Card, Driving Licence, Passport

Income Proof– Income Tax Return Copy of past six months, Salary Slip of last three months, PAN Card photocopy, Form 16.

What are the eligibility criteria for HDFC Millenia Credit Card?

To apply for the Millenia Credit Car, you need to meet the following eligibility criteria-

For Self-employed individuals– The age limit is between 21 years to a maximum of 60 years. Also, the monthly income should be Rs. 25000 or above.

For Salaried Applicants– The age limit to apply for Millennia Credit Card, the minimum and maximum age are between 21 to 65 years. Also, the income tax return should be Rs. 6 lakhs annually.

Along with that, you need to have a good credit score to be eligible for HDFC Millenia Credit Card.

What are the payment options for HDFC Millennia Credit Card?

You can pay your credit card bills through various online modes. They will save your time and you can pay anytime you want. These are the payment options-

  • Mobile Application of HDFC Bank
  • Billedesk Portal
  • You can also pay through Net Banking. Just logging in to your account and make your payment.
  • Payment gateways like Paytm, GPay, and other available methods.
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