HDFC Bank Millennia Credit Card Fee and Charges
| Fee / Charge Type | Amount |
| Joining Fee | ₹1,000 + GST |
| Annual/Renewal Fee | ₹1,000 + GST |
| Interest Rate (Finance Charges) | 3.75% per month |
| Cash Advance Fee | 2.5% of the withdrawn amount or ₹500 (whichever is higher) |
| Late Payment Charges | ₹100 – ₹1,300 |
| Over‑limit Fee | 2.5% of over‑limit amount or ₹500 |
| Foreign Transaction Markup | ~3.5% |
| Rent/Utility/Education Payment Fee | 1% of transaction |
HDFC Bank Millennia Credit Card Eligibility Requirements
For Salaried Individuals:
- Must be a resident of India
- You must be 21 or older and under 40.
- You need to have a monthly income of at least 35,000 rupees or more
For Self‑Employed Individuals:
- Must be a resident of India
- Age between 21 and 40 years
- Annual income (as per ITR) more than ₹6 lakh
These are the primary criteria that HDFC Bank uses to decide eligibility when you apply for the Millennia Credit Card.
HDFC Bank Millennia Credit Card Pros and Cons
Pros:
- Shopping at the above-mentioned popular brands earns you 5% cashback and 1% on other purchases.
- Use your earned rewards to pay your bills, shop, or book flights and hotels.
- It has a Low Annual Fee and is a strong option for first-time credit card users.
- For spending ₹1 lakh in 3 months, you will receive additional gift vouchers.
Cons:
- Interest can be high if you don’t pay your full balance on time.
- 5% cashback is available only to selected brands; not all brands qualify.
- Extra fees apply when you use it for international transactions.
- only for people aged 21–40 who meet the minimum income requirement.
HDFC Bank Millennia Credit Card Benefits and Features
In addition to cashback, the HDFC Millennia Credit Card offers additional benefits and features to make your spending more rewarding.
- Joining Rewards: You will receive 1,000 bonus CashPoints as a welcome reward once your joining fee is successfully submitted.
- Dining Offers: If you enjoy dining out or ordering from restaurants, this is helpful. The card gives you ₹200 off on Swiggy Dineout twice a month. You just need to place an order of ₹2,000 or more. It’s a convenient way to save on meals with minimal effort.
- Quarterly Spending Rewards:- If you spend ₹1 lakh or more in a three-month period, you get ₹1,000 worth of gift vouchers. If you keep this up every quarter, that’s up to ₹4,000 in gift vouchers per year.Â
- Fuel Savings:- Save 1% off the fuel surcharge when you pay at any petrol station in India.
- Annual Fee Waiver:- If you spend over ₹1 lakh in a year, the fee is completely waived. So, if you are an active user, the card can feel almost free.
- Interest-Free Credit: You will need to check your billing cycle, but you may receive up to 50 days of interest-free credit on purchases once you use the card.
HDFC Bank Millennia Credit Card Review
The HDFC Millennia Credit Card is useful if you do a lot of online shopping. Use the card on Amazon, Flipkart, Swiggy, and Zomato to get 5% cashback. All other spends earn 1%. Spend ₹1 lakh in a year; the annual fee is waived.
However, cashback is capped at a monthly limit, and CashPoints must be redeemed manually. Rewards are not given on rent, government payments, or wallet loads. Some perks, like lounge access, are also limited.
Overall, it’s Good for young users who shop online a lot, but average for general or offline spending.
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FAQs
Is there an annual fee?
Yes. The HDFC Bank Millennia Credit Card generally has an annual fee of ₹1,000 + GST, but it’s waived if you spend ₹1 lakh or more in a year.
Who can apply for this card?
- Salaried individuals with stable income
- Self-employed professionals with a good income history
- Your credit score must be at least 750 and you must be at least 21 years of age.
Is this card good for beginners?
Yes, absolutely. The Millennia card is ideal for first-time credit card users who want simple cashback without confusing reward systems.