At a time when cashback cards are becoming more popular, HDFC Bank Millennia Credit Card has made its mark among online shoppers and young professionals. The card is designed in line with modern spending habits and rewards cardholders whenever they shop on Amazon, Flipkart, Zomato, Uber, Swiggy, etc. You don’t receive traditional cashback; instead, you receive CashPoints that can be redeemed for discounts, flights, or statement credit.
What makes it more appealing is the balance it strikes between value and affordability. Having a joining fee of Rs 1,000 and an easy waiver condition on yearly spending, the Millennia card is ideal for people who want perks without burning a hole in their wallet. Ordering food, planning your next trip, or shopping during a sale using this card ensures you get something in return.
Now, let’s have a closer look at HDFC Bank Millennia Credit Card benefits, key features, fees, and eligibility to help you decide whether or not this is the right addition to your wallet.
HDFC Bank Millennia Credit Card: Key Features & Benefits
The HDFC Bank Millennia Credit Card may be positioned as an entry-level card, but that doesn’t stop at value. It comes packed with practical features and rewarding perks that make everyday spending more rewarding. Let us see what benefits we get from this.
HDFC Bank Millennia Credit Card Key Features:-
1. 5% Cashback on Leading Brands
Enjoy 5% cashback when you shop on top brands like Amazon, Flipkart, Uber, Zomato, Myntra, BookMyShow, and Cult.Fit, Sony LIV, and Tata CliQ from your HDFC Bank Millennia Credit Card. The cashback is valid only on non-EMI transactions and leaves out purchases like prepaid card loads, gift cards, or vouchers. These are treated under a separate spending category. Keep in mind, the maximum cashback you get in a billing cycle is capped at Rs 1000.
2. 1% Cashback on Everyday Purchases
For all your other eligible transactions other than select partner brands, the HDFC Bank Millennia Credit Card ensures 1% cashback. This involves general retail purchases, online shopping, and a lot more, excluding specific categories like wallet loads, fuel, and EMIs. As with the 5% category, the total cashback you receive here is also capped at Rs 1k per billing cycle.
3. Save More While Dining Out
Using the HDFC Bank Millennia Credit Card, foodies get an extra treat (up to 20% off) at select restaurants when booking through Swiggy Dineout. From casual dining to special night outs, this card ensures maximum savings when used at partner outlets.
4. Quarterly Reward for High Spenders
Spend Rs 1 lakh or more in a calendar quarter using your HDFC Bank Millennia Credit Card, and you’ll get a bonus reward in the form of a Rs 1k gift voucher. It can be used on renowned platforms like BigBasket, Amazon Pay, BookMyShow, Uber, Pizza Hut, PVR, and many more.
The quarters include Jan to Mar, Apr to Jun, Jul to Sep, and Oct to Dec. You can track your progress toward this milestone via HDFC Bank NetBanking. Once you achieve the target, your voucher code will be sent to your registered mobile number and email within 30 days. Be sure you redeem it within 60 days of receiving it.
5. Save on Fuel Spends
Use your HDFC Bank Millennia Credit Card to pay for fuel, and get a 1 percent waiver on fuel surcharge for transactions ranging between Rs 400 and Rs 5,000. You can save up to Rs 250 per billing cycle through this benefit. Note that cashback is provided in the form of CashPoints, which can be redeemed later as per the bank’s terms.
HDFC Bank Millennia Credit Card benefits:
The HDFC Bank Millennia Credit Card offers solid value to those who shop frequently, both online and offline. You can enjoy the following HDFC Bank Millennia Credit Card benefits:
1. Receive 1,000 CashPoints as a joining reward after you submit the first-year membership fee.
2. Save 1 percent on fuel transactions between Rs 400 and Rs 5000, with a cap of Rs 250 per billing cycle. Valid at all fuel stations throughout India.
3. Spend Rs 1 lakh or plus in a year and get your next year’s renewal fee waived.
4. Convert high-value purchases into easy monthly installments right from the HDFC Bank app or NetBanking.
5. If your card is lost or stolen, you’re protected from any fraudulent use once you report it.
6. Use contactless payment at compatible retail stores for fast and safe transactions.
7. Get up to 50 days of interest-free credit from the date of purchase.
8. Earned CashPoints stay valid for two years, so be sure you redeem them in time.
9. HDFC has competitive interest rates on revolving balances and EMIs.
10. Enjoy travel comfort with this card.
Earn Cashback with Millennia:-
The card provides tiered cashback on different spending categories:
1. 5% Cashback on transactions through SmartBuy and PayZapp on spends of Rs 2k or more – up to Rs 750 per month (Rs 1000 per month for the first six months from card issuance).
2. 5% Cashback on general online shopping expenses of Rs 2,000 and more, with a cap of Rs 750 per month.
3. 1 percent Cashback on in-store purchases, wallet reloads, POS transactions, etc, for spends up to Rs 100, capped at Rs 750 per month.
4. Even transactions converted into EMIs are eligible for cashback. This adds more value to your big purchases.
Redeem Cashback on HDFC Bank Millennia on HDFC Bank Millennia Credit Card
The cashback you receive through the HDFC Bank Millennia Credit Card is provided as CashPoints, which you can redeem in a few different ways. These ways are as follows:
1. 1 CashPoint = Rs 1 when used against your credit card bill (statement balance).
2. You need at least Rs 2,500 CashPoints to redeem, and redemptions must be made in multiples of Rs 500.
3. As an alternative, you can use your points to book flights, hotels, or shop through the Rewards Catalogue, where the value is 1 Cashpoint = Rs 0.30
4. Note: CashPoints are valid for two years from the date they are offered, so make sure to use them in time.
Methods to Redeem Your CashPoints
Using NetBanking:
Step 1 Log in to HDFC Bank NetBanking through your user ID and password.
Step 2 Open the Credit Cards section and register your card (if you have already registered).
Step 3 Tap, “Redeem Reward Points.”
Step 4 Pick your suitable range and browse the Rewards Catalogue.
Step 5 Add your chosen items to the cart and use CashPoints at checkout.
Using Post:
Step 1 Download the Reward Redemption Form from the HDFC Bank site.
Step 2 Fill up the required details.
Step 3 Post the completed form to the HDFC Bank address given in the document.
HDFC Bank Millennia Credit Card Review
The comprehensive HDFC Bank Millennia Credit Card Review is given below:
1. Overview of HDFC Bank Millennia Credit Card
| Type of Card | Entry Level Credit Card |
| About Reward Rate | 1 percent to 5% Cashback |
| Yearly Fee | Rs 1,000 + GST (often waived for the first year) |
| Perfect for | Online Shopping and everyday spending |
| USP | Quarterly Milestone Reward Options |
2. HDFC Bank Millennia Credit Card Fee Details
| One-Time Joining Charge | Rs 1,000 + GST |
| Fee Waiver Condition | Spend Rs 50k within the first 90 days |
| Welcome Benefit | 1,000 CashPoints on fee payment |
| Yearly Renewal Fee | Rs 1,000 + GST |
| Renewal Waiver | Spend Rs 1,00,000 in the previous year |
The HDFC Bank Millennia Credit Card annual fee is easy to recover through regular usage. In many cases, the first-year charge is waived, particularly during upgrades or limited-time offers.
3. Variants Available
The HDFC Bank Millennia Credit Card is issued on various card networks, and each has its own set of platform perks. The available variants are as follows:
- Visa Signature
- Mastercard World
- Diners Club
The variant you get usually depends on how and where the card is sourced. For example, upgrades done through NetBanking typically result in a Diners Club variant. Though customers don’t get to choose the network, if you face acceptance issues, especially in the case of Diners Card, you can request a switch. HDFC Bank may also rotate the variants to maintain balance in the network.
4. Card Design
The HDFC Bank Millennia Credit Card comes with a clean and minimal design. If you’re new to using credit cards, you might notice that it doesn’t have the usual embossed card number or expiry details on the front. Instead, only your name is given on the front, whereas the rest of the card info is placed on the back for a safe and modern layout.
The card has a bright and bold color that gives it a smart and professional look. It’s not flashy, yet looks premium enough to carry around. The overall look is neat, along with a well-balanced mix of casual and formal styling.
If you’ve seen the HDFC Bank Millennia debit card before, you’ll find the credit card’s design to be quite similar, with just a slight difference in the color gradient. And in case you’re wondering where all the major card details are; do not worry as they’re printed clearly on the back.
5. Airport Lounge Access
Since Dec 1st, 2023 HDFC Bank Millennia Credit Card lounge access is available only as part of the quarterly milestone. If you spend Rs 1 lakh in a calendar quarter, you can pick either a Rs 1k gift voucher or one complimentary domestic lounge visit, which is valid for 90 days. This benefit is available on Visa, Mastercard, or Diners variants.
6. Golf Perk
If your HDFC Bank Millennia Credit Card is issued on the Mastercard World Platform, you can receive up to four complimentary golf games/year and 12 free golf lessons yearly (one per month). These perks come directly from Mastercard and are not core features of the Millennia Card. For cardholders on the Visa network, similar benefits are available in the form of buy-one-get-one offers on BookMyShow rather than golf privileges.
Other Benefits with HDFC Bank
Owning an HDFC Bank credit card like Millennia comes with some additional perks beyond just the card benefits, include the following:-
1. Generous Credit Limits – HDFC Bank offers higher-than-average credit limits, depending on your spending and credit profile.
2. Special Brand Offers – Receive special deals through HDFC’s collaborations with leading brands, which include frequent discounts on Apple products, lifestyle stores, and travel platforms.
3. Easy Card Upgrades – If you maintain good usage and payment records, HDFC Bank extends upgrade offers to premium cards, usually with first-year fee waivers.
4. Access to Premium Banking – High-spending clients are sometimes invited to join HDFC’s premium banking programs like Preferred or Classic, which involve dedicated services and additional perks.
These are the types of long-term relationship perks that make staying with HDFC Bank rewarding for frequent card users.
Closing Words!
If you’re starting out with credit cards or thinking of upgrading from a basic one like HDFC Bank Moneyback, the HDFC Bank Millennia Credit Card is a solid choice. It provides 5% cashback on leading brands, such as Amazon, Flipkart, Zomato, and much more. The Rs 1,000 milestone voucher every quarter on Rs 1 lakh spent gives more value, and the annual fee is reasonable and can be waived.
Lounge access, cashback on online and offline shopping, fuel surcharge waiver, and flexibility in reward redemption make this card quite well-rounded for its category.
Now the question is – Is it still worth the best card in 2025? If your monthly spends are mostly online and you want a card that gives back without too many restrictions, Millennia is still among the best-entry cashback cards out there.
