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HDFC Bank Bank·Credit Card
HDFC Millennia Credit Card
Our Take
HDFC Millennia offers 5% cashback on Amazon, Flipkart, and online shopping via SmartBuy, 2.5% on all other online spends, and 1% on offline. Perfect for millennials with fee waiver on ₹1 lakh spend.
86/100
Annual Fee
₹1,000
Reward Rate
5% cashback on Amazon, Flipkart, Myntra via SmartBuy
Interest
3.5% pm
APPLY NOW on HDFC Bank's website
Secure application on HDFC Bank's official site
Expert Opinion
"This card offers a balanced mix of rewards and benefits. Consider your spending patterns carefully - if you spend heavily in the card's bonus categories, it can deliver excellent value. Always compare with alternatives before applying."
Priya Sharma
Senior Financial Analyst
How to Apply for HDFC Millennia Credit Card
Compare features and rewards on this page, then click "Apply Now" to go to the issuer's official website
Most applications are processed within 24-72 hours. Instant approval available for pre-qualified applicants
You apply directly on the bank's website — InvestingPro never collects your personal or financial details
Is It Worth It? (Quick Math)
50,000
₹5k₹2L
Annual Rewards (~1.5%)+ ₹9,000
Annual FeeWAIVED- ₹1,000
Net Benefit+ ₹9,000
Worth the fee!
You gain ₹9,000 per year value after fees.
Check Eligibility
Get instant eligibility results in 10 seconds
This is an indicative check. Final approval depends on bank's assessment.
Rate Alerts
Get updates on WhatsApp about HDFC Millennia Credit Card rates and offers.
On this page
Key Features
- Great for online shoppers — 5% on major platforms
- Low annual fee of ₹1,000
- Good base cashback of 2.5% online
- EMI conversion available on large purchases
- Annual fee waivable on ₹1L annual spend
Rating Overview
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Eligibility Criteria
Age
21+ Years
Income
₹0.3L / year
Documents
PAN CardAadhaar CardIncome Proof
Rewards Program
HDFC Millennia Credit Card Rewards
Earn 2 points per ₹150 spent. Redemption value: Variable
| Category | Reward Rate | Points / ₹150 | Est. Value | Cap |
|---|---|---|---|---|
| General Spends | 2 points/₹150 | 4 | ₹1 | Check T&C |
| AcceleratedBest | 5x - 10x points | 10 | ₹2.50 | Check T&C |
Annual Fee Break-even: Spend ₹60,000 in the best category to earn rewards equal to the ₹1,000 annual fee | ||||
Reward Rate Breakdown
General Spends
Rate
2 points/₹150
Pts/₹150
4
Value
₹1
AcceleratedBest
Rate
5x - 10x points
Pts/₹150
10
Value
₹2.50
Break-even: Spend ₹60,000 in best category to cover the ₹1,000 fee
Rewards Calculator
See if this card's rewards justify the annual fee
₹5k₹20k₹1L
Annual Spend₹2,40,000
Rewards Earned+₹4,800
Annual Fee-₹1,000
Net Value
+₹3,800
✅ Worth it! You'll save ₹3,800/year
Benefits Breakdown
Core Benefits
- •Great for online shoppers — 5% on major platforms
- •Low annual fee of ₹1,000
- •Good base cashback of 2.5% online
- •EMI conversion available on large purchases
- •Annual fee waivable on ₹1L annual spend
Shopping
- •Cashback on Spends
- •Discount Vouchers
Pros
- Great for online shoppers — 5% on major platforms
- Low annual fee of ₹1,000
- Good base cashback of 2.5% online
- EMI conversion available on large purchases
- Annual fee waivable on ₹1L annual spend
Cons
- Cashback is in reward points, not direct cash
- No airport lounge access
- Offline reward rate is only 1%
- Annual fee not truly free — needs ₹1L spend to waive
Required Documents
Keep these documents ready before applying for HDFC Millennia Credit Card
Fees & Charges
| Fee Type | Amount |
|---|---|
Joining Fee First year fee | ₹1000 |
Annual Fee From second year onwards | ₹1000 |
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Frequently Asked Questions
What is the minimum salary for a credit card?
Most banks require a minimum monthly income of ₹15,000 to ₹25,000. For premium cards, the requirement can be ₹50,000+.
How to apply for a Lifetime Free (LTF) credit card?
You can apply for LTF cards directly through our platform. Popular options include Amazon Pay ICICI, IDFC First Millennia, and Dhanlaxmi Bank Platinum.
Can I get a credit card without income proof?
Yes, you can get a secured credit card (like IDFC First WOW) against a Fixed Deposit without showing income proof. This is great for students and homemakers.
Does checking my eligibility affect my credit score?
No. Checking eligibility on our platform is a 'Soft Inquiry' and does not impact your CIBIL score. Only when you submit a formal application to the bank, a 'Hard Inquiry' is done.
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Ready to upgrade your wallet?
Apply for the HDFC Millennia Credit Card today and start earning rewards on every spend.
APPLY NOW on HDFC Bank's website
● Secure application on HDFC Bank's official site