Millennia Credit Card

More benefits then ever before

Online Shopping Benefits

  • 5% CashBack on leading brands - Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, Uber, BookMyShow, Sony LIV and Cult.fit

Milestone Benefits

  • Get either ₹1,000 worth gift voucher or 1 domestic lounge access on spends of ₹1,00,000 and above in each calendar quarter

  • Already Qualified for Milestone voucher: Click here to redeem.
  • For Steps to redeem the Milestone voucher, Click here

Reward Benefits

  • 1% CashBack on other Spends

  • Note : For Detailed Terms and Conditions, Click here
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Additional Benefits

Wondering if you are eligible?

Salaried

  • Nationality: Indian
  • Age: Minimum 21 years & Maximum 40 years
  • Income: Net Monthly Income > ₹35,000

Self Employed

  • Nationality: Indian
  • Age: Minimum 21 years & Maximum 40 years
  • Income: ITR > ₹6 Lakh per annum
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Save up to ₹20,000* annually Just like 20 lakh+ HDFC Bank Millennia Credit Cardholders

Millennia Credit Card

Documents required to get you started

Identity Proof

  • Passport
  • Aadhaar card
  • Voter ID
  • Driving licence
  • PAN card
  • Passport size photographs

Address Proof

  • Utility bills (electricity, water, gas, or telephone)
  • Rental agreement
  • Passport
  • Aadhaar card
  • Voter ID

Income Proof

  • Salary slips (for salaried individuals)
  • Income Tax Returns (ITR)
  • Form 16
  • Bank statements

Apply Now in 3 Easy Steps:

Online application process:

  • Step 1 - Provide & validate your Phone Number & Date of Birth/PAN
  • Step 2- Confirm your details
  • Step 3- Select your Card
  • Step 4- Submit & Receive your Card*

*In certain cases, uploading documents and completing video KYC might be required.

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Know more about the card

Credit Card Management & Controls

    Netbanking

    To enable card controls for your HDFC Bank Credit Card through NetBanking, follow these steps:

    1. Log in to HDFC Bank NetBanking using your Customer ID.

    2. Go to the Cards Tab >Select the card > Click Manage card>Manage Domestic and International Limits.

    3. You will be able to view your existing daily domestic and international usage limits.

    4. Enable or disable Online, Contactless, and International usage based on your preference.

    5. Click ‘Update’, enter the OTP received on your registered mobile number, and then click ‘Continue’.

    6. Your selected card controls will be updated instantly.

    Mobile Banking

    To enable card controls for your HDFC Bank Credit Card conveniently through our HDFC Bank MobileBanking App, follow these steps:

    1. Open the HDFC Bank MobileBanking App and log in using your credentials.

    2. Go to the ‘Cards’ section from the menu.

    3. Select the HDFC Bank Credit Card for which you want to enable card controls.

    4. Click ‘Manage Limits’, then enable/disable transaction types such as Online Transactions, Contactless Payments, and International Usage, or set transaction limits according to your preference.

    5. Click ‘Update’ to confirm your changes and enter your MPIN. The updated card control settings will be applied instantly.

    For more detailed management, you can also use our MyCards platform at https://mycards.hdfc.bank.in/ which offers a seamless experience without the need for passwords or downloads.

    MyCards

    To enable card controls for your HDFC Bank Credit Card via MyCards, follow these steps:

    1. Visit the MyCards portal- https://mycards.hdfc.bank.in/ on your desktop or mobile.

    2. Log in using your registered mobile number and the OTP received.

    3. For first-time users, enter the last four digits of your card.

    4. On the card homepage, click the ‘Card Control’ tab.

    5. Enable/disable features such as Online Transactions, Contactless Transactions, International Usage, and set usage limits as per your preference.

    6. Confirm your settings, and the changes will be applied instantly.

    PayZapp

    You can conveniently enable card controls for your HDFC Bank Credit Card through PayZapp by following these steps:

    1. Open the PayZapp app and log in using your credentials.

    2. On the homepage, tap the ‘MyCards’ tab> Select ‘Go to MyCards’.

    3. Log in using your registered mobile number and the OTP sent to your mobile.

    4. If you are a first-time user, enter the last four digits of your HDFC Bank Credit Card.

    5. On the card homepage, tap the ‘Card Control’ tab.

    6. Enable or disable features such as Online Transactions, Contactless Transactions, and International Usage, or set usage limits according to your preference.

    7. Confirm your settings. The updated card control settings will be applied instantly.

    WhatsApp Banking

    To enable card controls for your HDFC Bank Credit Card using WhatsApp Banking, follow the steps given below:

    1. Add HDFC Bank’s official WhatsApp number – 7070022222– to your contacts.

    2. Send the text "Credit Card" to this number.

    3. You will receive a reply with options. Choose the option “Manage My Card”

    4. You will receive a reply with options to select “Domestic / International/ Enhance limits”

    5. Choose the option you want to enable, such as Domestic Online Transactions, Contactless Transactions, or International Transactions.

    6. Enter the transaction limit you want to set. An OTP will be sent to your registered mobile number. Enter the OTP to confirm the change.

    7. Enter the last 4 digits of your Credit Card number.

    8. The current status of the selected transaction type will be shown as Enabled.

    IVR

    To enable or modify your HDFC Bank Credit Card controls and transaction limits, you can contact HDFC Bank's toll-free numbers:

  • Toll-free numbers: 1800 1600 or 1800 2600 (available from 8 am to 8 pm)
  • For overseas travel assistance: 022-61606160
  • By contacting our toll-free numbers, you can enable/modify limits for Domestic, International, Online, Contactless, ATM, and POS transactions on your Debit or Credit Card.

Card Management and Controls

Fees and Charges

  • Joining/Renewal Membership Fee – ₹1,000/- + Applicable Taxes
  • Spend over ₹1,00,000 in a year before renewal to get your Credit Card fee waived.
  • Click here to view details of HDFC Bank Millennia Credit Card Fees and Charges.
  • Detailed Terms and Conditions, Click Here
Fees and Charges

Redemption Value

  • CashBack is in Reward Points and is redeemable against the statement balance upon request.
  • 1 Rewards points is equivalent:

      1. CashBack (as against statement balance) = ₹1

      2. On SmartBuy - Flight and Hotel bookings = ₹0.30

      3. Airmiles = ₹0.30

      4. Rewards catalogue = upto 0.30

  • A minimum of 500 Reward Points are required for statement balance redemption.
  • Reward Points redemption for CashBack redemption are capped per calendar month to 3,000 Rewards Points.
  • Flight and hotel bookings are capped at 50% with Reward Points; the rest of transaction amount will have to be paid via credit limit.
  • Reward points redemption for flights & hotels bookings are capped per calendar month at 50,000.
  • Cardmembers can redeem upto 70% of product/Voucher value through Reward points on select vouchers/products and pay the remaining amount via Credit card.
  • Unredeemed Reward Points expire/lapse after 2 years.
  • Click here for more details.
Card Control and Redemption

Credit and Safety

  • Up to 50 days of interest free period on your HDFC Bank Millennia Credit Card from the date of purchase (subject to the submission of the charge by the Merchant)
  • Zero lost card liability : In the unfortunate event of losing your HDFC Bank Millennia Credit Card, on reporting it immediately to our 24-hour call centre (Toll free numbers 1800 1600/1800 2600. Customers traveling overseas can reach us at 022-61606160, you have zero liability on any fraudulent transactions made on your Credit Card.
Credit and Safety

Contactless payments

  • This Card is enabled* for contactless payments at retail outlets.

*Note:

  • In India, contactless payments up to ₹5,000 per transaction don’t require a PIN entry.
  • For amounts ₹5,000 or more, the cardholder must enter their Credit Card PIN for security.
  • You may check for the Contactless Network Symbol on your card.
Contactless payments

Application Channels

You can choose any of the following easy options to apply for your HDFC Bank Credit Card:

  • 1. Website
    You can quickly apply online by clicking here.
  • 2. NetBanking
    If you're an existing HDFC Bank customer, simply log in to NetBanking and apply from the ‘Cards’ section.
  • 3. HDFC Bank Branch
    Prefer a face-to-face interaction? Just visit your nearest branch and our staff will help you with the application.
Application Channels

Most Important Terms and Conditions

  • From 1st September 2024, wallet loading, Easy EMI, and education payments won't earn Reward Points.
    • For detailed Terms & Conditions, Click here.
    • Click here to access all important links related to your Credit Card.
Most Important Terms and Conditions

Frequently Asked Questions

The Millennia Credit Card is an HDFC Bank credit card that offers a range of benefits and rewards on your everyday spending. It provides CashBack on online and offline purchases, lounge access privileges, fuel surcharge waivers, and much more. Apply for the Millennia Credit Card to enjoy a world of exclusive benefits and rewards.

The minimum credit score required for the Millennia Credit Card is subject to HDFC Bank's internal policies. We recommend you check your eligibility to determine if you meet the requirements.

The Millennia Credit Card comes with an annual membership fee of ₹1000 plus applicable taxes. However, you can get the renewal fee waived by spending ₹1,00,000 and above within the first year.

Millennia Credit Card

  • Get 5% Cashback
  • Lounge Access
  • Fuel Waiver
  • Smart EMI
Millennia Credit Card

For More Frequently Asked Questions