Millennia Credit Card
Engineered specifically for young professionals and digital natives, Millennia offers a flat 5% cashback on India's top online merchants including Amazon, Flipkart, Swiggy, and Zomato. Accumulated CashPoints convert 1:1 directly against your statement balance, providing genuine cash-in-hand utility.
Why We Recommend The Millennia Credit Card
The quintessential cashback credit card for young professionals in urban India. Covers every major online merchant with a solid 5% return.
Online shoppers, food delivery regulars, and cab commuters
Welcome Gift & Activation Benefits
* Welcome benefits are typically unlocked upon payment of the joining fee and initial card activation within 30 to 90 days.
Grofi Expert Rating
Our ratings assess real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and user transparency.
How Much Can You Save with the Millennia Credit Card?
Adjust your expected monthly card spends to calculate your real annual rewards and net savings.
Includes flight & hotel bookings, partner brands (Amazon, Swiggy, Flipkart), dining, and online shopping.
* Reward Point Value: 1 CashPoint = ₹1.00 against statement balance (minimum 500 points) on statement credit or travel bookings.
Based on annual spending of ₹6,00,000.
Fees & Charges Breakdown for Millennia Credit Card
Zero hidden costs. Complete fee schedule verified with HDFC Bank official guidelines.
One-time fee charged on the first statement
Billed annually starting from the 2nd year
Annual fee reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate on revolving card balances
Fee on ATM cash withdrawals via credit card
From the first day of billing cycle till due date
Airport Lounge Privileges on the Millennia Credit Card
Experience gourmet dining, quiet workspaces, and premium comforts before every flight.
1 complimentary domestic airport lounge visit per calendar quarter
Valid across 40+ domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
Not available
Access over 1,300+ luxury airport lounges globally across Dubai, London Heathrow, Singapore Changi, New York JFK, Frankfurt, and Doha.
What Makes Millennia Credit Card Stand Out?
Discover the top benefits, special offers, and protections engineered into this card.
Direct 5% cashback on India’s largest shopping, dining, and cab aggregator platforms
Monthly cap of ₹1,000 CashPoints on 5% merchants and ₹1,000 on 1% other spends
Straightforward 1:1 statement credit redemption with zero conversion friction
Available on RuPay network for linked merchant UPI QR code scan payments
Pros & Cons of the Millennia Credit Card
An honest, transparent evaluation of strengths and limitations before you submit your application.
What We Love (Pros)
- Direct 1:1 statement credit redemption value for CashPoints
- Covers the widest array of everyday e-commerce merchants in India
- Manageable annual fee waiver milestone at ₹1 Lakh spend
Things to Consider (Cons)
- Monthly cashback capped at ₹1,000 per bucket
- Domestic lounge access requires ₹50k quarterly spend criteria
Who Can Apply for the Millennia Credit Card?
Review minimum income, credit score thresholds, and essential verification documents.
Net in-hand monthly or annual earnings
Primary applicant (18+ for add-ons)
With continuous employment proof
With valid Indian address proof
730+ Score Recommended
Applicants with a credit score of 730 or higher enjoy fast-tracked approval and preferential credit limits from HDFC Bank.
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Proof
Aadhaar Card (linked with mobile number for OTP), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or e-PAN copy required by RBI guidelines for all credit applications.
Proof of Income
Salaried: Last 3 months' salary slips or bank statements. Self-employed: Latest ITR computation.
Everything You Need to Know About Millennia Credit Card
Clear answers to common questions regarding annual fees, reward redemption, lounge rules, and delivery.
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Ready to Apply for the Millennia Credit Card?
Check your pre-approved credit limit and instant approval eligibility across HDFC Bank with 100% paperless verification and zero score impact.