Millennia Credit Card Review
Detailed review of the Millennia Credit Card — fees, rewards, eligibility and who it's best for. Updated for 2026.
Millennia Credit Card at a glance
The Millennia Credit Card from HDFC Bank is positioned for online shopping. With an annual fee of ₹1,000, it targets applicants with a net monthly income of at least ₹35,000 and a CIBIL score of 750+. Headline rewards are 5% Cashback on Amazon, Flipkart, Swiggy, with 8 domestic / year of complimentary lounge access.
Pros & cons
- Strong reward rate of 5% on online shopping.
- 5% Cashback on Amazon, Flipkart, Swiggy
- Complimentary lounge access: 8 domestic / year.
- Joining bonus: 1,000 CashPoints.
- Annual fee of ₹1,000 + 18% GST applies each year unless waived on spend.
- Requires a strong CIBIL score of 750+ — tougher for first-time borrowers.
- Not enabled for UPI payments — Visa/Mastercard variants only.
- Standard 3.5% forex markup + GST on international spends (varies by variant).
Who should apply
The Millennia Credit Card is best suited for applicants who prioritise online shopping in their everyday spending. With a minimum income requirement of ₹35,000 per month and a CIBIL threshold of 750, it's accessible to mid-career professionals with a steady salary credit history.
Compare your spending pattern against the reward structure: if online shopping represents 40%+ of your monthly spend, this card typically returns more value than its annual fee within 3–4 months. If your spending is spread evenly across many categories, a flat-rate cashback card may serve you better.
Eligibility & documents
Standard KYC and income documents apply for the Millennia Credit Card:
- Identity & address: PAN card, Aadhaar, recent utility bill or passport.
- Income (salaried): Last 3 months payslips, 3–6 months salary bank statement, latest Form 16.
- Income (self-employed): Last 2 years ITR with computation, business proof, 6–12 months current account statement.
- Credit profile: CIBIL score of 750+ with at least 6 months of active credit history.
- Age: 21–60 years (salaried), 23–65 years (self-employed) at application.
All terms governed by HDFC Bank's Most Important Terms & Conditions (MITC). RBI's Credit Card Master Direction sets baseline disclosure and grievance norms.