HDFC Millennia Credit Card: Features, Benefits & Charges (2025)

Looking for a credit card that matches your online lifestyle? The HDFC Millenia Credit card is built for digital-savvy users who spend frequently on platforms like Amazon, Swiggy, and Zomato. In 2025, this card continues to be a favorite for millennials and young professionals in India.

Here’s a full breakdown of its features, fees, cashback benefits, and more.

Why Choose HDFC Millennia Credit Card?

This card is ideal for people who shop, travel, dine, and stream online. With 5% cashback on top brands and useful perks like lounge access, it offers real value for everyday spending.

Key Benefits

• Cashback up to 5% on online platforms

• Welcome vouchers worth ₹1,000

• 8 complimentary domestic lounge visits per year

• Annual fee waiver on ₹1L annual spend

• Fuel surcharge waiver

• Smart EMI conversion

These benefits make it perfect for lifestyle expenses and travel needs.

Cashback Features

This card shines in the cashback department.

You earn 5% cashback on:

• Amazon

• Flipkart

• Zomato

• Myntra

• Swiggy

• Uber

• BookMyShow

For all other transactions, you get 1% cashback.

Cashback is directly credited to your account and adjusted against your monthly bill.

Cashback Limits

There are caps on monthly cashback:

• ₹1,000/month max for 5% category

• ₹750/month max for 1% category

Even with these caps, you can easily save a lot through regular digital spending.

Lounge Access

Cardholders enjoy 8 free domestic airport lounge visits per year — up to 2 per quarter. This is perfect for travelers who want comfort while waiting for flights.

Fees & Charges (2025)

• Joining Fee: ₹1,000 + GST

• Annual Fee: ₹1,000 + GST (waived if you spend ₹1L/year)

• Finance Charges: 3.6% per month (43.2% annually)

• Cash Advance Fee: 2.5% or ₹500, whichever is higher

• Late Payment Fee: ₹100 to ₹1,300

• Foreign Transaction Markup: 3.5%

• Fuel Surcharge Waiver: 1% (max ₹400/month)

These charges are competitive compared to other lifestyle cards.

Eligibility Criteria

To apply, you must meet these basic requirements:

• Age: 21–60 years (salaried), up to 65 (self-employed)

• Income: Minimum ₹35,000/month

• Credit Score: 700+ preferred

• Residency: Indian citizen

Required Documents

• PAN Card

• Aadhaar or valid address proof

• Latest salary slip or ITR

• Passport-size photo

Online application is fast and easy on the HDFC Bank website.

Welcome Benefits

New users get ₹1,000 worth of vouchers after joining. This helps you get instant value after paying the first-year fee.

Smart EMI & Contactless Features

You can easily convert large purchases into EMIs. The card also supports tap-and-pay for payments under ₹5,000, making transactions fast and secure.

FAQs

Q1. How can I apply for this card?
You can apply online on HDFC Bank’s website or visit a branch.

Q2. How is cashback credited?
Cashback is automatically adjusted in your monthly bill.

Q3. Can I waive the annual fee?
Yes, if you spend ₹1,00,000 or more in a year.

Q4. Is international use allowed?
Yes, but there’s a 3.5% foreign transaction fee.

Q5. How many lounge visits are allowed?
You get 8 domestic lounge visits per year (2 per quarter).

Final Thoughts

The HDFC Millennia Credit Card is a solid choice for online shoppers, food lovers, and travelers. With high cashback rates, travel perks, and easy EMI options, it delivers great value for anyone who spends online.

If you're looking for a credit card that gives you real, everyday benefits, Millennia is a top pick for 2025.