{"id":83599,"date":"2025-12-24T12:50:53","date_gmt":"2025-12-24T07:20:53","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=83599"},"modified":"2025-12-24T12:51:01","modified_gmt":"2025-12-24T07:21:01","slug":"hdfc-millennia-credit-card","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/hdfc-millennia-credit-card\/","title":{"rendered":"HDFC Millennia Credit Card: Benefits, Eligibility, Fees &amp; Charges"},"content":{"rendered":"\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p><strong>Key Takeaway<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Use Swiggy Dineout to get a 20% discount at partnered restaurants.<\/li>\n\n\n\n<li>Maximise your cashback earnings with shopping partners like Myntra, Flipkart, etc.<\/li>\n\n\n\n<li>Convert each cash point into a monetary value of \u20b91.<\/li>\n\n\n\n<li>Redeem your reward points at SmartBuy at \u20b90.30 per cash point.<\/li>\n\n\n\n<li>Use your reward points within 2 years before they expire.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>The <strong>HDFC Millennia Credit Card<\/strong> offers a great way to save while shopping or dining online. For instance, when you spend \u20b91,000 on platforms like Flipkart, Swiggy, Uber and BookMyShow, you earn a cashback of \u20b950.<\/p>\n\n\n\n<p>Whether you are looking to enhance your purchasing power or enjoy exclusive perks, the HDFC Millennia Credit Card is designed to offer value.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>HDFC Millennia Credit Card Benefits<\/strong><\/h2>\n\n\n\n<div class=\"wp-block-media-text is-stacked-on-mobile\"><figure class=\"wp-block-media-text__media\"><img loading=\"lazy\" decoding=\"async\" width=\"264\" height=\"167\" src=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/hdfc-millennia-credit-card.webp\" alt=\"HDFC Millennia Credit Card\" class=\"wp-image-83631 size-full\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/hdfc-millennia-credit-card.webp 264w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/hdfc-millennia-credit-card-150x95.webp 150w\" sizes=\"auto, (max-width: 264px) 100vw, 264px\" \/><\/figure><div class=\"wp-block-media-text__content\">\n<p>Using <strong>HDFC Millennia Credit Card<\/strong>, you can earn a 5% cashback on brands like Myntra, Flipkart, Amazon, Tata CLiQ, Zomato, Swiggy, BookMyShow, Uber, Cult.fit and SonyLIV. <\/p>\n<\/div><\/div>\n\n\n\n<p>The other benefits that you can get from this card are as follows:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You can get a \u20b91,000 worth gift voucher on spending \u20b91 lakh per calendar quarter.<\/li>\n\n\n\n<li>If you use PayZapp, you can get \u20b91,000 cash back across over 200 brands.<\/li>\n\n\n\n<li>You can get reward points equivalent to the membership fee you pay.<\/li>\n\n\n\n<li>The card offers dining delights via the Good Food Trail Program.<\/li>\n\n\n\n<li>If you use Swiggy Dineout, you can get a 20% discount at partnered restaurants.<\/li>\n\n\n\n<li>In case you use SmartBuy to book hotels and flight tickets, you can get a 10% cashback.<\/li>\n\n\n\n<li>If you meet the quarterly spend criteria, you can access domestic airport lounges.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>HDFC Millennia Credit Card Fees<\/strong><\/h2>\n\n\n\n<p>Millennia Credit Card by HDFC Bank attracts a joining fee of \u20b91,000 in addition to applicable taxes. The renewal fee for the card is the same as the joining fee. <\/p>\n\n\n\n<p>However, if you spend at least \u20b91 lakh prior to renewal using the card, your renewal fee gets waived off.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Eligibility Criteria for HDFC Millennia Credit Card<\/strong><\/h2>\n\n\n\n<p>To apply for the <strong>HDFC Millennia Credit Card<\/strong>, applicants must meet specific age and income criteria.&nbsp;<\/p>\n\n\n\n<p>The minimum age requirement is 21 years, while the maximum age limit is 60 years for salaried individuals and 65 years for self-employed individuals.&nbsp;<\/p>\n\n\n\n<p>As for the income criteria, salaried applicants must have a monthly income of at least \u20b935,000, whereas self-employed individuals should have an annual Income Tax Return (ITR) of \u20b96 lakh or more.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Things to Know About Reward Redemption Value on HDFC Millennia Credit Card<\/strong><\/h2>\n\n\n\n<p>The cashback earned on the <strong>HDFC Millennia Credit Card<\/strong> is credited in the form of cash points, where each cash point is valued at \u20b91.&nbsp;<\/p>\n\n\n\n<p>Here are the other ways to redeem your cash points and their respective values:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Redemption value for flights, rewards and hotels via SmartBuy is 1 cash point = \u20b90.30.<\/li>\n\n\n\n<li>If you do not redeem your cash points, they will expire after 2 years.<\/li>\n\n\n\n<li>For hotel and flight bookings, you can use 50% of your reward points and the rest you need to pay with your credit card limit.<\/li>\n\n\n\n<li>Redemption of cash points for airmiles and product catalogue is valued at \u20b90.30 for every reward point.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>How to Redeem Rewards Using HDFC Net Banking?<\/strong><\/h2>\n\n\n\n<p>You can redeem your earned reward points by logging in to your HDFC Bank Net Banking portal using valid credentials. Here is the process to redeem:<\/p>\n\n\n\n<p><strong>Step 1: <\/strong>Navigate to the \u2018Credit Cards\u2019 option.<\/p>\n\n\n\n<p><strong>Step 2: <\/strong>To register your <strong>HDFC Millennia Credit Card<\/strong>, go to the &#8216;Register New Card&#8217; option and enter the 4-digit PIN.<\/p>\n\n\n\n<p><strong>Step 3: <\/strong>Click on the \u2018Redeem Reward Points\u2019 link.<\/p>\n\n\n\n<p><strong>Step 4: <\/strong>Choose \u2018HDFC Millennia Credit Card\u2019 to proceed to the online reward redemption portal.<\/p>\n\n\n\n<p><strong>Step 5: <\/strong>Click on the \u2018Redeem Reward Points\u2019 option.<\/p>\n\n\n\n<p><strong>Step 6: <\/strong>Choose the rewards range and the category of item to view the catalogue.<\/p>\n\n\n\n<p><strong>Step 7: <\/strong>Choose the products and click on \u2018Shopping Cart\u2019 to review and edit.<\/p>\n\n\n\n<p><strong>Step 8: <\/strong>Click on the checkbox after you read the terms and conditions.<\/p>\n\n\n\n<p><strong>Step 9: <\/strong>Check the registered email address, phone number and address displayed on the screen.<\/p>\n\n\n\n<p><strong>Step 10:<\/strong> Note the redemption order number for future reference and tracking.<em>Add <\/em><strong><em>HDFC Millennia Credit Card<\/em><\/strong><em> to the Pice app and forget about late payment and interest charges. <\/em><\/p>\n\n\n\n<p><em>Download the app now for timely bill payment!<\/em><\/p>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p><strong>Footnote:<\/strong><\/p>\n\n\n\n<p>To redeem your cash points and adjust them with your statement, you must have at least 2,500 points. To learn more, check out <a href=\"https:\/\/www.hdfc.bank.in\/credit-cards\/millennia-credit-card\" target=\"_blank\" rel=\"noopener\">the official page<\/a> here.<\/p>\n<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>FAQs<\/strong><\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1766467721643\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What is the credit score required for the HDFC Millennia Credit Card?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>HDFC Bank determines the minimum credit score required for the Millennia Credit Card based on its internal policies. Ensure you maintain a high credit score of at least 750 to be eligible for credit cards.\u00a0<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1766467745607\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What is the credit limit of the HDFC Millennia Credit Card?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>HDFC Bank reserves the right to set the credit limit of Millennia Credit Cards. The limit varies for each cardholder based on their income, credit score and repayment capacity.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1766467760291\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What is the annual fee of the HDFC Millennia Credit Card?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>The annual renewal fee for the Millennia Credit Card is \u20b91,000 in addition to the applicable GST. However, if you spend a minimum of \u20b91 lakh in the preceding year using the card, you can get the renewal fee waived off.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1766467769523\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Can I apply for a HDFC Millennia Credit Card if I recently joined a job?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>If your monthly income is greater than \u20b935,000, you can apply for a Millennia Credit Card even if you have joined a job recently. However, you might have to provide a bank statement or salary slips for the preceding 3 to 6 months as income proof.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1766467780275\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Is the Millenia Credit Card free?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Millennia Credit Card attracts a joining and renewal fee of \u20b91,000 each in addition to applicable taxes. As a result, it is not a lifetime-free card.\u00a0<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1766467790558\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What is the cash advance fee for the Millennia Credit Card?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>If you withdraw cash from an ATM using the Millennia Credit Card, it will attract a cash advance fee of 2.5% of the amount withdrawn or \u20b9500, whichever is higher.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Key Takeaway The HDFC Millennia Credit Card offers a great way to save while shopping or dining online. For instance, when you spend \u20b91,000 on platforms like Flipkart, Swiggy, Uber and BookMyShow, you earn a cashback of \u20b950. Whether you are looking to enhance your purchasing power or enjoy exclusive perks, the HDFC Millennia Credit [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":83686,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-83599","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/83599","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=83599"}],"version-history":[{"count":3,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/83599\/revisions"}],"predecessor-version":[{"id":83659,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/83599\/revisions\/83659"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/83686"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=83599"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=83599"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=83599"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}