HDFC Millennia Credit Card 2025 – Benefits, Charges, Limit, Apply & Lounge Access

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HDFC Millennia Credit Card 2025 – Full Guide with Benefits, Charges, Limit & Lounge Access

The HDFC Millennia Credit Card is one of the most popular cashback credit cards in India, designed for millennials and frequent online shoppers. With high cashback on top brands, milestone benefits, and fuel surcharge waiver, this card is a great choice for anyone looking to save more on everyday spends.

In this blog, we’ll cover everything about the HDFC Millennia Credit Card – including benefits, charges, limit, lifetime free offers, how to apply, and lounge access.

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HDFC Millennia Credit Card 2025 benefits, charges, limit, lounge access and cashback offers

HDFC Millennia Credit Card Benefits

  • 5% Cashback (as CashPoints) on Amazon, Flipkart, Myntra, Zomato, Swiggy, Uber, Sony LIV, Tata CLiQ, BookMyShow & Cult.fit
  • 1% Cashback on all other spends (except fuel, rent, EMI, wallet loads, and government payments)
  • ₹1,000 worth gift vouchers on spending ₹1,00,000 or more in a calendar quarter
  • Dining privileges with Good Food Trail program and extra discount on Swiggy Dineout
  • Fuel surcharge waiver of 1% at all fuel stations (₹400 – ₹5,000 txn, max waiver ₹250 per cycle)
  • Welcome gift of 1,000 Cash Points on payment of joining fee
  • Cash Points redemption: 1 Cash Point = ₹1 against statement balance (minimum 500 points required)

HDFC Millennia Credit Card Charges

According to HDFC Bank’s latest terms:

  • Joining / Renewal Fee – ₹1,000 + GST

  • Renewal Fee Waiver – Spend ₹1 lakh in the previous year to get renewal fee waived
  • Cash Advance Fee – 2.5% or ₹500 (whichever higher)
  • Finance Charges – 3.75% per month (45% annually)
  • Late Payment Charges – ₹100 to ₹1,300 depending on bill amount
  • Cashback Redemption Fee – ₹50 per redemption (effective Aug 2024)

HDFC Millennia Credit Card Limit

  • Credit limit is decided by the bank based on income, credit score, and profile
  • Customers can request an increase by submitting latest income documents
  • Cash withdrawal limit – up to 40% of assigned credit limit

HDFC Millennia Credit Card Lounge Access

  1. Earlier, the card offered complimentary airport lounge access, but since Dec 1, 2023, it has been revised
  2. Now, lounge access is part of the quarterly milestone program – spend ₹1 lakh in a quarter and choose either:
  • Dreamfolks airport lounge voucher, OR
  • ₹1,000 brand voucher

HDFC Millennia Credit Card Lifetime Free Option

  • By default, the card has a joining/renewal fee of ₹1,000.

  • However, it can be made lifetime free if:

    • You receive a special “lifetime free” offer from HDFC during promotions, OR

    • You maintain a strong relationship with HDFC (salary account, high savings, or loan customer).

  • Otherwise, spend ₹1,00,000 annually to get renewal fee waived

How to Apply for HDFC Millennia Credit Card

  • Visit the Bank Buddy India official site and apply online

  • Or visit your nearest HDFC branch with required documents

  • Eligibility Criteria:

    • Salaried: 21–40 years, income > ₹35,000/month

    • Self-Employed: 21–40 years, ITR > ₹6 lakh/year

       

Why Choose HDFC Millennia Credit Card?

If you frequently shop online on Amazon, Flipkart, Myntra, Zomato, or Swiggy, this card ensures maximum cashback savings. It’s ideal for millennials who want a single card for shopping, dining, travel, and movies, with the flexibility of redeeming cashback as statement credit.

Conclusion

The HDFC Millennia Credit Card in 2025 continues to be one of India’s best cashback cards. With 5% cashback on top merchants, milestone vouchers, and waiver on annual fee with ₹1 lakh spend, it offers excellent value.

Before applying, consider your spending habits – if you shop & order food online often, this is definitely one of the best credit cards in India under ₹1,000 annual fee.

📺 "Detailed Video on HDFC Millennia Credit Card Benefits & Charges – Bank Buddy India"

HDFC Millennia Credit Card – FAQs (2025)

Quick answers on benefits, charges, limit, lounge access, lifetime free option & how to apply.

What are the key benefits of HDFC Millennia Credit Card?
You earn 5% cashback (as CashPoints) on Amazon, Flipkart, Myntra, Zomato, Swiggy, Uber, Sony LIV, Tata CLiQ, BookMyShow & Cult.fit (capped; non-EMI), and 1% on other eligible spends. Plus, quarterly milestone vouchers worth ₹1,000, dining privileges, 1% fuel surcharge waiver, and welcome CashPoints (on fee payment).
What are the charges & annual fee?
Joining/Renewal fee is ₹1,000 + GST. Renewal fee is waived on ₹1,00,000 annual spends. Other typical charges include finance charge, cash advance fee, and a ₹50 cashback redemption fee (when redeeming CashPoints as statement credit).
How much credit limit can I get?
Credit limit depends on your income, profile, and credit score. You may request a limit enhancement later by sharing updated income documents. Cash withdrawal limit is typically up to a portion of the assigned credit limit.
Does the Millennia card offer airport lounge access?
Direct complimentary lounge access was revised from Dec 1, 2023. Now, on achieving the ₹1 lakh quarterly spend milestone, you can choose either a Dreamfolks lounge access voucher or a ₹1,000 brand voucher.
Is HDFC Millennia Credit Card lifetime free?
By default, it’s a paid card (₹1,000 + GST). It can be lifetime free only via special bank promotions or strong overall relationship. Otherwise, your annual fee can be waived by spending ₹1,00,000 in the preceding year.
How do I apply for the HDFC Millennia Credit Card?
Apply online via the Bank Buddy India website or HDFC BANK website or visit a HDFC branch. Eligibility: Salaried 21–40 years with ₹35,000+ monthly income; Self-employed 21–40 years with ITR > ₹6 lakh/year.
How does cashback work and how do I redeem it?
Cashback is credited as CashPoints. You can redeem against your statement balance at 1 CashPoint = ₹1 (min 500 points). CashPoints can also be used on SmartBuy for flights/hotels at a different value and are typically valid for 2 years.
Are there any category exclusions or caps?
Fuel, rent, government, wallet loads, and EMI transactions generally do not earn 5% cashback; category caps apply (e.g., monthly caps on 5% and 1% CashPoints). Always check the latest T&Cs on HDFC’s product page.

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