HDFC Bank
VISA•••• •••• •••• 4242
HDFC Bank Millennia Credit Card
HDFC Bank Millennia Credit Card
HDFC Bank
Annual Fee
₹1,000
Effective Rate
1.00%
Network
VISA
Point Value
₹1.00/pt
About HDFC Bank Millennia Credit Card
Millennial lifestyle card. 5% cashback on Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, Uber, BookMyShow, Sony LIV, Cult.fit. 1% on all other spends. Up to 10% via SmartBuy/PayZapp. Quarterly ₹1L milestone: ₹1,000 voucher OR 1 domestic lounge access. 1% fuel surcharge waiver.
Best For
Pros & Cons
thumb_upPros
- check_circleQuarterly Domestic Lounge Access (Milestone)
- check_circleFee Offset via Reward Points
- check_circleQuarterly Domestic Lounge Access
- check_circleSpending milestone bonuses for high spenders
thumb_downCons
- cancelAnnual fee of ₹1,000 with no waiver option
- cancelForeign transaction fee applies on overseas spends
Reward Earning Structure
Each point is worth ₹1.00 — an effective return of 1.00% on spend.
| Category | Earn Rate | Per ₹10,000 Spent |
|---|---|---|
| All other spends | 5% | 500 pts≈ ₹500 |
| All other spends | 5% | 500 pts≈ ₹500 |
| All other spends | 1% | 100 pts≈ ₹100 |
| All other spends | 1% | 100 pts≈ ₹100 |
Cashback is credited directly to your statement, reducing your outstanding balance. No redemption required.
Card Benefits
Quarterly Domestic Lounge Access (Milestone)
1 complimentary domestic airport lounge access OR ₹1,000 voucher on ₹1L quarterly spend.
Fee Offset via Reward Points
Reward Points equivalent to the membership fee amount credited on fee payment.
~₹1,000/yr value
Quarterly Domestic Lounge Access
1 complimentary domestic lounge access per quarter on ₹1,00,000 quarterly spend (or ₹1,000 gift voucher).
1% Fuel Surcharge Waiver
1% fuel surcharge waiver on ₹400–₹5,000 transactions; max ₹250/statement cycle.
Up to 10% CashBack via SmartBuy/PayZapp
Up to 10% CashBack across 200+ brands via SmartBuy or PayZapp Shop.
1% Fuel Surcharge Waiver
1% fuel surcharge waiver at all fuel stations.
Zero Lost Card Liability
Zero liability on fraudulent transactions if reported immediately.
SmartBuy/PayZapp – Up to 10% Cashback
Up to 10% cashback on flights, hotels, gift vouchers and more via SmartBuy/PayZapp.
Spending Milestones
Unlock bonus rewards when your annual spend crosses these thresholds.
Spend ₹1,00,000 (QUARTERLY)
₹1,000 voucher OR 1 domestic lounge access on ₹1,00,000 quarterly spend.
Spend ₹1,00,000 (ANNUAL)
Annual renewal fee of ₹1,000 waived on ₹1,00,000 annual spend.
Spend ₹1,00,000 (QUARTERLY)
₹1,000 worth gift voucher OR 1 domestic lounge access on ₹1,00,000 quarterly spend.
Spend ₹1,00,000 (ANNUAL)
Annual renewal fee waived on ₹1,00,000 annual spend.
Fees & Charges
Key fees at a glance. For the complete schedule refer to the official Key Fact Statement (KFS) on the HDFC Bank website.
| Annual Fee | ₹1,000 |
| Forex Markup | As per issuer schedule |
| Min. Income Required | ₹4,20,000 per year |
| Interest Rate (APR) | Refer to KFS |
| Late Payment Charges | Refer to KFS |
| Cash Advance Fee | Refer to KFS |
Eligibility & Documents Required
Eligibility Criteria
- checkAge: 18–70 years (primary cardholder)
- checkMinimum annual income: ₹4,20,000
- checkCIBIL score: 750+ recommended
- checkEmployment: Salaried or self-employed Indian resident
Documents Required
- descriptionPAN Card (mandatory)
- descriptionAadhaar / Passport / Voter ID (address proof)
- descriptionSalary slips — last 3 months (salaried)
- descriptionLatest ITR or Form 16 (self-employed / salaried)
- descriptionBank statements — last 3 months
- descriptionPassport-size photograph
Frequently Asked Questions
Common questions about HDFC Bank Millennia Credit Card.
Ready to apply for HDFC Bank Millennia Credit Card?
Apply directly on the HDFC Bank website. Most decisions within 7–10 working days.
Affiliate disclosure: CreditBrain may earn a referral fee if you apply via our link. This does not affect our editorial independence.