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Key Features of HDFC Millennia Credit Card

  • Cashback Rewards:
    • 5% Cashback on Partner Merchants: Earn 5% cashback (up to 1,000 CashPoints per month) on transactions with select online merchants, including:
      • Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber, BookMyShow, Cult.fit, Sony LIV, Tata CLiQ
    • Note: Cashback is capped at ₹1,000 per calendar month, meaning a maximum spend of ₹20,000 across these merchants yields the full benefit. Non-EMI purchases qualify; gift/prepaid card loads and voucher purchases are excluded.
  • 1% Cashback on Other Spends:
    • Earn 1% cashback (up to 1,000 CashPoints per month) on all other eligible online and offline transactions, including EMI and wallet reloads, except for fuel, rent payments, government transactions, and certain excluded categories.
  • SmartBuy Cashback:
    • Earn up to 5% cashback (capped at ₹1,000 per month) on transactions via HDFC’s SmartBuy platform for the first 6 months post-card issuance, with a minimum transaction of ₹2,000. Post-initial period, regular cashback rates apply.
Credit Card Promotion
  • Milestone Benefits:
    • Quarterly Spend Rewards: Spend ₹1,00,000 or more in a calendar quarter to choose one of: A Dreamfolks airport lounge access voucher (1 complimentary visit). A ₹1,000 gift voucher from brands like Amazon, BigBasket, BookMyShow, Pizza Hut, PVR, Uber, Flipkart, KFC, Lifestyle, Pantaloons, or Ola. Vouchers must be claimed within 60 days of eligibility notification via SMS/web.
    • Annual Fee Waiver: Spend ₹1,00,000 or more in a membership year to waive the ₹1,000 renewal fee (plus taxes).
    • CashPoints Redemption:
    • CashPoints are credited at the end of each statement cycle, not in real-time.
    • Redeem against statement balance at 1 CashPoint = ₹1.
    • Redeem for flights/hotels (up to 50% of booking value, rest via card limit) at 1 CashPoint = ₹0.30.
    • Redeem for products/vouchers (up to 70% of value) at 1 CashPoint = ₹0.30.
    • Minimum 500 CashPoints required for statement credit redemption.
    • CashPoints are valid for 2 years from accumulation.
    • Capping: Maximum 2,000 CashPoints per statement cycle (1,000 from 5% category, 1,000 from 1% category). Separate caps apply for SmartBuy cashback.
    • Welcome Benefits:
    • 1,000 CashPoints: Receive 1,000 CashPoints upon payment of the joining membership fee (₹1,000 + taxes), equivalent to the fee amount when redeemed against statement balance.
    • Gift Voucher: Pay the joining fee to receive a gift voucher worth ₹1,000 (applicable only on membership fee payment).
    • Lounge Access:
    • Domestic Lounge Access: Up to 8 complimentary visits per calendar year (max 2 per quarter) to select domestic airport lounges in India, accessible via Mastercard, Visa, or Diners Club programs. A nominal ₹2 transaction is charged per lounge visit.
    • Post-December 1, 2023, lounge access is tied to the quarterly spend milestone (₹1,00,000) and requires choosing the Dreamfolks voucher over the ₹1,000 gift voucher.
    • Dining Benefits:
    • Swiggy Dineout Discounts: Up to 20% discount on restaurant bills via Swiggy Dineout (over 20,000 restaurants) when paid through the Swiggy app.
    • Instant ₹200 discount: Twice per month on a minimum order value of ₹2,000 via Swiggy Dineout.
    • Good Food Trail Program: Access exclusive dining privileges at premium restaurants across major cities.
    • Fuel Surcharge Waiver:
    • 1% Waiver: On transactions between ₹400 and ₹5,000 at fuel stations across India. Max waiver ₹250 per statement cycle.
    • Contactless Payments: Enabled for fast, secure contactless payments at retail outlets. Transactions up to ₹5,000 do not require a PIN; above ₹5,000, a PIN is mandatory.
    • EMI Conversion: Convert large purchases into EMIs with tenures of 6 to 24 months at ~3.6% interest per month. EMI transactions are eligible for 1% cashback.
    • Interest-Free Credit Period: Up to 50 days from the date of purchase, depending on merchant charge submission and billing cycle.
    • Revolving Credit: Pay a minimum due and carry forward the balance at ~3.6% monthly interest.
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Benefits of HDFC Millennia Credit Card

  • Welcome Benefits:
    • 1,000 CashPoints: Earned on payment of joining fee (₹1,000 + taxes); can be redeemed against statement balance.
    • ₹1,000 Gift Voucher: Choose from top brands like Amazon, Flipkart, etc., upon fee payment.
    • Total Value: ₹2,000 in welcome benefits.
  • Generous Cashback Rewards:
    • 5% Cashback on Partner Merchants: Earn up to 1,000 CashPoints/month on Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber, BookMyShow, Cult.fit, Sony LIV, Tata CLiQ.
    • 1% Cashback on Other Spends: Earn up to 1,000 CashPoints/month on eligible transactions, including EMI and wallet reloads (excluding fuel, rent, government services).
    • Milestone Benefits:
    • Quarterly Spend Rewards: Spend ₹1,00,000 in a calendar quarter to choose either:
    • A Dreamfolks lounge access voucher (1 complimentary domestic lounge visit).
    • Or a ₹1,000 gift voucher (Amazon, BigBasket, BookMyShow, Uber, or Flipkart).
    • Annual Fee Waiver: Spend ₹1,00,000 in a membership year to waive the ₹1,000 renewal fee.
  • Domestic Lounge Access: Up to 8 complimentary domestic airport lounge visits/year (max 2 per quarter).
  • Post-December 1, 2023: Access is linked to ₹1,00,000 quarterly spend milestone and selecting lounge voucher.
  • Dining Discounts:
  • Swiggy Dineout Offers: Up to 20% off at 20,000+ restaurants and ₹200 instant discount (twice/month) on minimum bill of ₹2,000.
  • Good Food Trail Program: Premium dining benefits in top cities.
  • Fuel Surcharge Waiver: 1% waiver on fuel transactions between ₹400–₹5,000 (max ₹250 per statement cycle).
  • Contactless Convenience: Tap-to-pay for quick, secure checkouts. PIN-free for transactions up to ₹5,000.
  • EMI and Interest-Free Credit: Convert large purchases into EMIs (6–24 months) at 3.6% monthly interest. 1% cashback on EMI spends. Up to 50 days of interest-free credit.
  • Security and Support: Zero liability on lost/stolen cards if reported promptly. Chip-enabled with advanced encryption. 24/7 customer care support.
  • SmartBuy Platform: Exclusive travel and shopping deals.
  • Periodic Discounts: 10% instant discount on Amazon, Flipkart during partner sales.
  • Revolving Credit: Option to pay minimum due and carry balance at 3.6% monthly interest.
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Steps to Apply for HDFC Millennia Credit Card

  • 1. Online Application:
    • Step 1: Visit HDFC Bank Website
      Go to the official HDFC Bank website (www.hdfcbank.com) and navigate to “Credit Cards” under “Personal Banking.” Select the “Millennia Credit Card.”
    • Step 2: Check Eligibility
      Click on “Apply Now” or “Check Eligibility.” Enter your basic details like name, mobile number, income, employment type, and city.
    • Step 3: Fill Application Form
      Provide personal, employment, and financial details such as PAN, income, and address. Mention if you are an existing HDFC customer.
    • Step 4: Upload Documents
      Upload scanned copies or clear photos of identity proof, address proof, income proof, and a recent photograph (acceptable formats: PDF, JPEG, PNG under 5MB).
    • Step 5: Submit Application
      Review your information and submit the application. You will receive a reference number via SMS/email for tracking.
    • Step 6: Verification & Delivery
      HDFC may verify details via call, email, or physical verification. Once approved, the card is delivered within 7–21 working days.
  • 2. Offline Application:
    • Step 1: Visit an HDFC Bank Branch
      Go to the nearest HDFC branch using the branch locator on their website.
    • Step 2: Request Application Form
      Ask for the Millennia Credit Card application or bring a printed version from the HDFC website.
    • Step 3: Fill and Submit Form
      Complete the form with required personal and financial information. Attach a passport-sized photograph.
    • Step 4: Submit Documents
      Provide self-attested copies of identity, address, and income proofs along with originals for verification.
    • Step 5: Verification & Delivery
      HDFC will process your application and conduct verifications. The card will be delivered within 7–21 working days post-approval.

Eligibility Criteria for HDFC Millennia Credit Card

  • Age:
    • Applicant must be between 21 and 40 years of age
  • Nationality:
    • Must be an Indian national
  • Income:
    • Salaried Individuals: Minimum monthly income of ₹35,000
    • Self-Employed Individuals: Minimum annual ITR of ₹6,00,000
  • Credit Score:
    • A good credit score (ideally 750 or above) improves approval chances
    • Strong credit history and timely repayment of loans/credit card bills is advantageous
  • Employment Status:
    • Both salaried and self-employed individuals are eligible
    • Salaried: Should be employed with a reputed organization
    • Self-Employed: Should have a stable business or professional practice with verifiable income
  • Existing Relationship with HDFC Bank (Optional):
    • Having a savings account, FD, or existing card may simplify approval and offer pre-approved benefits
  • Residential Status:
    • Applicants must be residents of India and provide proof of permanent address
    • Non-residents can also apply, subject to specific eligibility criteria
  • Documents Required:
    • Proof of identity (e.g., Aadhaar card, PAN card, passport)
    • Proof of income (e.g., salary slips, bank statements, ITR)
    • Proof of address (e.g., utility bill, passport, rent agreement)
  • Other Factors:
    • Applicants must not have any negative records in their credit history
    • Applicants should be able to meet the bank’s internal underwriting standards
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Documents Required for HDFC Millennia Credit Card

  • Identity Proof (Any one of the following):
    Aadhaar Card
    PAN Card (mandatory for credit limit allocation and KYC compliance)
    Passport
    Voter ID
    Driving License
    Government-issued ID card
  • Address Proof (Any one of the following):
    Aadhaar Card
    Passport
    Utility Bill (electricity, water, gas, etc., not older than 3 months)
    Ration Card
    Rental Agreement
    Voter ID
    Driving License
    Bank Statement (not older than 3 months)
  • Income Proof:
    For Salaried Individuals:
    Latest 2–3 months’ salary slips
    Recent bank statement (3 months) showing salary credits
    Form 16 (optional, may be requested)
    For Self-Employed Individuals:
    Latest Income Tax Return (ITR) with income ≥ ₹6,00,000 annually
    Certified financial statements or business proof (e.g., balance sheet, profit & loss statement)
    Bank statement (3–6 months) reflecting business transactions
  • Photograph:
    One recent passport-sized photograph (for application form or online upload)
  • PAN Card:
    A copy of your PAN Card is mandatory for KYC and credit limit determination
  • Business Proof (for Self-Employed Individuals):
    GST registration certificate (if applicable)
    Business registration certificate (for companies, partnerships, etc.)
    Trade license (if applicable)
  • Additional Documents (for certain cases):
    If applying for a joint credit card, the co-applicant’s KYC documents and income proof are also required
    For NRIs, a copy of the Visa, Passport, and Overseas Address Proof may be required
  • Recent Credit Report (Optional):
    Some applicants may be asked to provide a recent credit report to help assess their creditworthiness

Factors for HDFC Millennia Credit Card

  • Age:
    Applicants must be between 21 and 40 years old and Indian nationals.
    This card is targeted at millennials, so falling outside this age range may result in ineligibility.
  • Income Level:
    Salaried: Minimum monthly income of ₹35,000.
    Self-Employed: Minimum annual ITR of ₹6,00,000.
    Higher income can lead to better approval chances and higher credit limits.
  • Credit Score and History:
    Preferred credit score: 750+.
    Timely repayments, low credit utilization, and no defaults improve approval chances.
    Low scores or recent defaults may result in rejection. New-to-credit applicants may need strong income or HDFC relationship.
  • Employment Status and Stability:
    Salaried: Stable employment with a reputed company; 6–12 months in current role preferred.
    Self-Employed: Consistent income from a stable business or profession.
  • Debt-to-Income Ratio (DTI):
    Preferred DTI: Below 40–50%.
    High debt levels reduce the chances of approval. HDFC checks this via credit reports and income proof.
  • Documentation:
    Mandatory documents:
    Identity: Aadhaar, PAN, Passport.
    Address: Utility bill, Aadhaar, Rental Agreement.
    Income: Salary slips or ITR.
    Recent passport-size photo.
    Incomplete or mismatched documents can delay or deny approval.
  • Existing Relationship with HDFC Bank:
    Having a savings account, FD, or loan with HDFC is beneficial.
    May lead to pre-approved offers and simplified documentation.
  • Credit Limit and Existing Credit Cards:
    Multiple cards with high outstanding amounts may lower approval odds.
    HDFC evaluates total exposure across cards via credit bureau checks.
  • Residential Stability:
    A stable and verifiable residential address is important.
    Frequent address changes or unverifiable locations can affect approval.
  • Application Accuracy:
    Ensure all form details match supporting documents.
    Discrepancies or false information may lead to rejection or blacklisting.

Frequently Asked Questions

1. What is the HDFC Millennia Credit Card?
The HDFC Millennia Credit Card is an entry-level cashback credit card designed for millennials and young professionals. It offers 5% cashback on select online merchants (e.g., Amazon, Flipkart, Swiggy, Zomato), 1% cashback on other spends, complimentary domestic lounge access, dining discounts, and milestone-based rewards, making it ideal for frequent online shoppers and moderate spenders.
2. What are the key benefits of the HDFC Millennia Credit Card?
Cashback:
5% cashback (up to 1,000 CashPoints/month) on partner merchants like Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber, BookMyShow, Cult.fit, Sony LIV, and Tata CLiQ.
1% cashback (up to 1,000 CashPoints/month) on other eligible spends (excludes fuel, rent, government transactions).
5% cashback (up to Rs. 1,000/month) on SmartBuy transactions for the first 6 months.

Welcome Benefits: 1,000 CashPoints and a Rs. 1,000 gift voucher upon paying the joining fee.
Milestone Rewards: Spend Rs. 1,00,000/quarter to choose either a Dreamfolks lounge access voucher (1 visit) or a Rs. 1,000 gift voucher from brands like Amazon, Flipkart, or BigBasket.
Lounge Access: Up to 8 domestic lounge visits/year (2/quarter), subject to quarterly spend milestone post-December 1, 2023.
Dining Discounts: Up to 20% off via Swiggy Dineout, plus Rs. 200 instant discount (twice/month, min. order Rs. 2,000).
Fuel Surcharge Waiver: 1% waiver (up to Rs. 250/statement cycle) on fuel transactions between Rs. 400 and Rs. 5,000.
Contactless Payments: Enabled for fast, secure payments (PIN-free up to Rs. 5,000).
EMI Conversion: Convert big purchases into EMIs (6–24 months) at 3.6% monthly interest.
Interest-Free Period: Up to 50 days, depending on merchant charge submission.
Zero Lost Card Liability: No liability for fraudulent transactions after reporting loss to HDFC’s 24/7 helpline.
3. Who is eligible for the HDFC Millennia Credit Card?
Age: 21 to 40 years (Indian national).
Income:
Salaried: Minimum monthly income of Rs. 35,000.
Self-Employed: Minimum annual ITR of Rs. 6,00,000.
Credit Score: Preferably 750 or above for higher approval chances.
Applicants must have stable employment or business and a good repayment history.
4. What documents are required to apply?
Identity Proof: Aadhaar, PAN (mandatory), Passport, Voter ID, or Driving License.
Address Proof: Aadhaar, Passport, Utility Bill (not older than 3 months), Rental Agreement, or Voter ID.
Income Proof:
Salaried: 2–3 months’ salary slips or bank statement showing salary credits.
Self-Employed: Latest ITR with computation of income.
Photograph: One recent passport-sized photo.
Additional documents may be requested for verification.
5. How can I apply for the HDFC Millennia Credit Card?
Online:
Visit www.hdfcbank.com, go to “Credit Cards,” and select Millennia Credit Card. Click “Apply Now,” fill in personal and employment details, and upload documents. Submit and track the application using the reference number provided.

Offline: Visit an HDFC Bank branch, fill out the application form, and submit documents.
Net Banking/App: Existing HDFC customers can check pre-approved offers and apply via net banking or the mobile app.
Approval takes 7–21 days, subject to verification.
6. What is the joining and annual fee for the card?
Joining Fee: Rs. 1,000 + applicable taxes.
Renewal Fee: Rs. 1,000 + applicable taxes, waived if you spend Rs. 1,00,000 or more in the previous membership year.
The joining fee includes 1,000 CashPoints, effectively offsetting the cost when redeemed.
7. How does the cashback work, and what are CashPoints?
Cashback is credited as CashPoints at the end of each statement cycle (not real-time).

Earning:
- 5% cashback (up to 1,000 CashPoints/month) on partner merchants.
- 1% cashback (up to 1,000 CashPoints/month) on other eligible spends.
- Max 2,000 CashPoints/statement cycle.

Redemption:
- Against statement balance: 1 CashPoint = Rs. 1 (min 500 CashPoints).
- Flights/hotels (SmartBuy): 1 CashPoint = Rs. 0.30 (max 50% of booking value).
- Products/vouchers: 1 CashPoint = Rs. 0.30 (up to 70% of value).

Validity: 2 years from accumulation.
Exclusions: No CashPoints on fuel, rent, government transactions.
8. How do I redeem CashPoints?
Online: Log in to HDFC NetBanking, go to the “Cards” section, and redeem CashPoints against statement balance, flights/hotels, or products/vouchers.
Phone Banking: Call 1860-267-6161 to request redemption.
Physical Form: Submit a redemption form at an HDFC branch.
Rs. 50 + GST applies for cashback redemption; Rs. 99 + GST for others.
9. How does the lounge access program work?
Limit: Up to 8 complimentary domestic lounge visits/year (max 2/quarter).
Condition: Post-Dec 1, 2023, tied to quarterly spend milestone of Rs. 1,00,000. Must choose Dreamfolks lounge access voucher.
Cost: A nominal Rs. 2 transaction per visit.
Process: Swipe card at participating lounges. First-come, first-serve. Lounge access limited to select lounges.
Note: International lounge access is not available.
10. Can I continue to access lounges by presenting the card if I’ve used it before?
No, post-November 30, 2023, lounge access is no longer available by simply presenting the card. You must achieve the Rs. 1,00,000 quarterly spend and claim a Dreamfolks voucher to access lounges.

List of HDFC Hyderabad Branches

  • Hyderabad (Hitech City II)
  • Hyderabad (Hydernagar Kukatpally)
  • Hyderabad (J D Arcade Chirag Ali Lane Abids)
  • Hyderabad (Jubilee Hills)
  • Hyderabad (Kapra - Sainikpuri)
  • Hyderabad (Kondapur)
  • Hyderabad (Kukatpally)
  • Hyderabad (Lakdikapul)
  • Hyderabad (Madhapur)
  • Hyderabad (Malakpet)
  • Hyderabad (Mehdipatnam)
  • Hyderabad (Nacharam)
  • Hyderabad (Paradise Circle Secunderabad)
  • Hyderabad (Patancheru)
  • Hyderabad (Petbasheerabad)
  • Hyderabad (Punjagutta)
  • Hyderabad (Sainikpuri)
  • Hyderabad (Sarojini Devi Road Secunderabad)
  • Hyderabad (Shaikpet)
  • Hyderabad (Toli Chowki)