HDFC Millennia Credit Card: Cashback, Lounge Access, Benefits & Charges

Overview

The HDFC Millennia Credit Card is ideal for online shoppers, frequent diners, and travelers. It offers up to 5% cashback on leading platforms like Amazon, Flipkart, and Swiggy. With domestic lounge access and simple annual fee waivers, it’s one of HDFC’s most popular lifestyle cards in 2025

Key Highlights

• Cashback: Earn 5% cashback on Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber, and BookMyShow. All other spends earn 1% cashback.
• Annual Fee: ₹1,000 + GST. This fee is waived if you spend ₹1,00,000 or more in a year.
• Welcome Benefit: Receive vouchers worth ₹1,000 on joining.
• Lounge Access: 8 complimentary domestic airport lounge visits per year (2 per quarter).
• Fuel Surcharge Waiver: 1% waiver on fuel spends up to ₹400 per month.
• Smart EMI: Eligible purchases can be converted into EMIs easily.
• Contactless Payments: Tap and pay feature for transactions below ₹5,000.

Cashback Breakdown

The card rewards your everyday digital lifestyle:

• 5% cashback on selected platforms (Amazon, Flipkart, Zomato, etc.)
• 1% cashback on all other spends
• Cashback is automatically credited to your card and adjusted in the monthly statement
• Cashback cap: ₹1,000/month for 5% category, ₹750/month for other spends

Fees and Charges

• Joining and Annual Fee: ₹1,000 + GST (waived on ₹1L annual spend)
• Finance Charges: 3.6% per month (43.2% per annum)
• Cash Withdrawal Fee: 2.5% or ₹500 (whichever is higher)
• Foreign Currency Markup: 3.5%
• Late Payment Charges: Range from ₹100 to ₹1,300 depending on the amount due

Eligibility Criteria

To be eligible:

• Age: 21 to 60 years (salaried), up to 65 years (self-employed)
• Minimum Income: ₹35,000/month
• A good credit score is required (700+ is recommended)
• Applicant must be a Resident Indian

Required Documents

• PAN Card
• Aadhaar Card or address proof
• Latest salary slip or ITR
• Passport-size photograph

FAQs

Q1. How do I apply for the HDFC Millennia Credit Card?

You can apply online on the HDFC website or visit your nearest branch.

Q2. Is the cashback auto-credited?

Yes, the cashback is directly credited to your credit card account and reduces your outstanding bill.

Q3. How can I waive the annual fee?

Spend ₹1,00,000 or more in a year to get the fee waived.

Q4. Does the card support international usage?

Yes, but foreign currency transactions attract a 3.5% markup fee.

Q5. Is lounge access available with this card?

Yes, you get 8 complimentary domestic lounge visits every year.

Final Thoughts

If you’re someone who lives online — from ordering food to booking movies and shopping frequently — the HDFC Millennia Credit Card offers excellent value. With generous cashback, travel perks, and easy fee waivers, it’s a perfect companion for modern spending habits.