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The HDFC Bank Millennia Credit Card is built for online shoppers who want high cashback and easy reward redemption. Apply for the HDFC Bank Millennia Credit Card through Airtel Finance and enjoy 5% cashback on partner merchants and 1% on all other Millennia eligible spends, each capped at 1,000 CashPoints per statement cycle, plus a welcome gift of 1,000 CashPoints on payment of the joining membership fee. The HDFC Millennia credit card application journey is fully digital: check your HDFC Millennia credit card eligibility, upload documents, and track your application. With straightforward fees and charges and multiple redemption options, this card rewards your eligible everyday spends. As a feature-rich Millennia credit card HDFC Bank offers, it stands out for everyday use.
Easily calculate your monthly EMIs for credit card purchases on credit card EMI calculator and check the HDFC Millennia credit card limit with Airtel Finance. Enter the amount, tenure, and interest rate to get instant estimates. Our credit card EMI calculator helps you plan repayments for your credit card spends efficiently.
Upon payment of the joining membership fee, new cardholders receive the following welcome benefits:
Welcome Gift: 1,000 bonus CashPoints, credited subject to realisation of the joining membership fee. No welcome CashPoints are posted on renewal.
5% cashback on partner merchants (Amazon, Flipkart, Swiggy, etc.) up to 1,000 CashPoints/cycle. 1% on other eligible spends.
On net spends of ₹1,00,000+ per quarter, choose ₹1,000 gift vouchers or a domestic airport lounge access voucher.
1% waiver on fuel transactions between ₹400 and ₹5,000, max waiver of ₹250 per statement cycle.
Flat 10% savings via Swiggy Dineout, up to 50 days interest-free period, contactless payments, and zero lost card liability.
The HDFC Millennia credit card benefits clearly target online spending, with rewards that are easy to redeem.
| Fee Type | Amount |
| First-Year Membership Fee | ₹1,000 + Applicable Taxes |
| Renewal Membership Fee | ₹1,000 + Applicable Taxes, waived on spends of ₹1,00,000 in the preceding 12 months |
| Interest Rate | 3.6% p.m. or 43.2% p.a., as set by HDFC Bank and subject to your credit profile |
| Late Payment Fee | Nil below a statement balance of ₹100, thereafter ₹100 to ₹1,300 as per the applicable slab |
| Overlimit Fee | 2.5% of the overlimit amount, subject to a minimum of ₹550 |
| Foreign Currency Transaction Fee | 3.5% of the transaction amount |
| Cash Advance Fee | 2.5% of the amount withdrawn, subject to a minimum of ₹500 |
| Balance Transfer Fee | 1% of the transfer amount or ₹250, whichever is higher |
Understanding the HDFC Millennia credit card charges helps you plan your repayments and avoid unnecessary costs. GST applies on all fees, interest, and charges.
You can apply for HDFC Bank Millennia Credit Card through Airtel Finance; it is a 100% digital process.
Visit the credit card section in the Airtel App, check your HDFC Millennia credit card eligibility, and fill in basic personal, income, and employment details. Upload the necessary documents, namely PAN, address proof, and income proof, and submit. Before you apply for the HDFC Bank Millennia Credit Card, use our credit card EMI calculator to estimate monthly payments and plan your reward maximisation. Once the HDFC Millennia credit card apply online process is complete, your application is assessed by HDFC Bank, and the card is dispatched on approval, ready for card activation.
Log in to HDFC NetBanking, mobile app, or MyCards portal, go to the credit card section, and select activate using card details.
Call HDFC customer care via the official number or the back of your card and follow instructions with a representative.
Visit an HDFC ATM, follow on-screen instructions, and enter the OTP sent to your registered mobile number to set your PIN.
The HDFC Bank Millennia Credit Card rewards you with CashPoints, which can be redeemed in several ways to suit your preferences:
Redeem CashPoints against due balances (1 CP = ₹1). Min 500 CPs required, capped at 3,000 CPs/month with a ₹50 fee.
Redeem against product catalogue items (1 CP = up to ₹0.30) covering up to 70% of the product value.
Book via SmartBuy (1 CP = ₹0.30), capped at 50% of booking value and 50,000 CPs per calendar month.
By spending ₹1 lakh or more in each calendar quarter, you can also receive gift vouchers worth ₹1,000 as part of the quarterly spend milestone benefit. Unredeemed CashPoints expire within 2 years, and a redemption fee of ₹99 plus taxes may apply.
Earn up to 25% cashback on Airtel Mobile, Broadband & DTH recharges through Airtel App.
*T&C apply
