HDFC Millennia Credit Card | Features and steps to Apply

HDFC Millennia Credit Card is the ideal choice for the lifestyle needs of Millennials. Earn rewards and loyalty points on online shopping, dining, travel and more.

The card offers 5% cashback on online expenses and 1% cash back on offline purchases. Get 1% exemption on fuel surcharges up to a maximum of Rs. 250 per month. Annual membership fee: Rs. 1000 + GST. Check your eligibility. Apply now to start getting rewards.

About HDFC Millennia Credit Card

HDFC Millennia Credit Card had intended for young millennials who want to explore a premium lifestyle and reap multiple benefits and rewards. This card had intended for early credit card users looking to earn loyalty points and rewards for their general spending needs.

The card allows customers to spend more and earn more when shopping online or offline. It has some fantastic cashback offers and much more to explore. HDFC Millennia Credit Card is a popular card among young credit card users.

It offers multiple benefits, rewards, discounts and other perks. You can get this HDFC card with a membership fee of Rs. 1,000 and any taxes applicable in the first year. Renewal membership fees are Rs: 1,000 and any applicable taxes.

Applicant can obtain renewal fee deduction for next year by spending 1 lakh per year. Let’s look at the various features, benefits and eligibility criteria of the HDFC Millennium Credit Card.

Features

  • 5% Cashback on Amazon, BookMyShow, Sony LIV, Cult. Fit, Flipkart, Myntra, Swiggy, Tata CLiQ, Uber and Zomato.
  • 1% Cashback on all other expenses (excluding fuel)
  • ₹ 1,00,000 per calendar quarter And gift vouchers worth ₹ 1000 spent over
  • 20% discount on partner restaurants via Dineout

Additional Features:

Zero Lost Card Liability:

If your HDFC Bank Millennia Credit Card is lost, you will have no zero liability for fraudulent transactions on your credit card immediately upon reporting it to their 24-hour call centre.

Interest-Free Credit Period:

Up to 50 days on your HDFC Bank Millennia Credit Card from the date of purchase (subject to merchant fee submission)

Revolving Credit:

Available on your HDFC Bank Millennia Credit Card at the nominal interest rate. Please see the Charges section to learn more.

Exclusive Dining Privileges:

A good food trail dining program at excellent restaurants in top cities. Please see the charges section for more details.

Lounge Access in HDFC Millennia Credit Card

  • 8 Complementary Domestic Lounge Access per calendar year (Quarterly 2).
  • Diners Club International Lounge Program.
  • MasterCard cards will be charged at Rs. 25 and terminated immediately at the terminal for verification.
  • For Visa / Diners cards, Rs. 2 will charge to the card account as a transaction for verification.

Fuel surcharge exemption:

1% fuel surcharge exemption at all fuel stations in India (minimum ₹ 400 per transaction & maximum ₹ 5,000 per transaction.

Welcome Benefits:

1000 cash refunds only per month on membership

fee refund: Spend 1 lakh or more and waive the renewal membership fee for next year.

The smart EMI:

HDFC Bank Millennia comes with an option to convert your significant expenses into EMI after purchasing a credit card.

Contactless Payment:

HDFC Bank Millennia Credit Card Enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets.

* To see if your card is Contactless, look for the contactless network icon on your card.

(Please note that in India, a maximum of ₹ 5000 is allowed to pay through contactless mode for a transaction that does not ask you to input your credit card PIN. However, if that amount is more than or equal to ₹ 5000, the cardholder must register the credit card PIN for security reasons).

Cashpoint Validity:

Cashback will credit in the form of cash points according to product features. Cash points are only valid for two years from the date of deposit, e.g., if you received cash points in May 2020, they expire in May 2022.

Reward Point/Cashback Redemption & Validity

Cashback Acquisition:

Cashback is in cashpoints, which you can redeem against the statement balance (on request only).

  • Redemption against statement balance is at 1 CashPoint = ₹ 1.
  • The minimum cash point balance required to redeem against a statement balance is 500 cashpoints.
  • 1 CashPoint = Applicant can also use Rs 0.30 CashPoints for redemption against travel benefits such as flight & hotel bookings and a catalogue of rewards on the SmartBuy Rewards Portal.
  • Non-redeemed cash points expire after two years of accumulation / Lapse.
  • Redemption on flights and hotels, credit card members can redeem up to 50% of the booking value through Reward Points.
  • The remaining transaction amount is payable by credit card limit 1 CashPoint = Redeem CashPoint at 0.30 exchange rate.

Eligibility Criteria

  • The applicant must be an Indian citizen.
  • Salary and unpaid persons are eligible to apply for this credit card.
  • Applicants must have a good credit score.
  • Applicants should be at least 21 years of age and have a maximum of 60 years of salary.
  • The maximum age limit for self-employed applicants is 65 years.
  • Salary applicants should have minimum monthly earnings of Rs. 30,000.
  • Unpaid applicants should have a minimum annual income of Rs. 3.6 lakhs.

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Required Documents

Proof of Identity:

  • PAN Card,
  • Aadhar Card,
  • Driving License,
  • Passport,
  • Voter ID,
  • Overseas Citizen of India Card,
  • Person of Indian Origin Card,
  • Job Card issued by NREGA,
  • Letters issued by UIDAI or any other government-approved photo ID proof

Proof of Address:

  • Proof of Aadhar Card,
  • Driving License,
  • Passport,
  • Utility Bill not exceeding three months old,
  • Ration Card,
  • Property Registration Certificate,
  • Indian Origin Source Card,
  • Job Card issued by NREGA,
  • Bank Account Statement or any other government-approved

Proof of income:

  • Latest one or two salary slips (not older than three months),
  • latest form 16, last three months bank statement

HDFC Millennia Credit Card Fees & Charges

Below mentioned are the charges associated with HDFC Millennia Credit Card:

Type of Fee or Charge Amount
Joining Fees Rs. 1,000
Annual Fees Rs. 1,000 (Waived off on expending Rs. 1 lakh in the last year)
Finance Charge 3.6% pm. | 43.2% p.a.
Late Payment Charges For Statement Balance:

·        Less than Rs. 100: Nil

·        Rs. 100 to Rs. 500: Rs. 100

·        Rs.501 to Rs. 5,000: Rs. 500

·        Rs. 5,001 to Rs. 10,000: Rs. 600

·        Rs. 10,001 to Rs. 25,000: Rs. 800

·        Rs. 25,001 to Rs. 50,000: Rs. 1,100

·        Over Rs. 50,000: Rs. 1,300

 

How to Apply for HDFC Millennia Credit Card Online?

  • Visit the HDFC Credit Card Website www.hdfcbank.com and click on the menu option at the top.
  • Click on Pay, then Cards, select Millenia Cards, and select the Millennia credit card.
  • HDFC Net Banking Clients can sign indirectly without an HDFC Net Banking Account.
  • Fill in the required components and accept the terms and conditions before clicking Submit.
  • HDFC website will send a complete or successful message to the registered mobile number or email.
  • It confirms that the process is complete.

Offline process users can also visit the nearest HDFC branch and ask a representative for assistance in resolving all requirements.

Select the credit card according to the likes and fill out the form before submitting all the required documents.

Here are the most commonly asked documents for HDFC Millennia credit cards:

Proof of Identity

  • Driving License
  • Aadhaar card
  • Passport

Address Proof

  • Ration Card
  • Voter ID
  • Passport
  • Aadhaar card

Income Proof

  • Salary Slip
  • Form 16
  • IT Returns

HDFC Credit Card Status

Check your HDFC Credit Card Status through your Mobile Number

  • Visit the bank’s official website.
  • Enter Your Mobile Number and proceed.
  • You will get OTP.
  • Enter OTP and press Submit.

HDFC helpline Number

1800 202 6161 and 1860 267 6161

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