HDFC Millennia Credit Card 2025
Save ₹18,000 to ₹25,000+ per year with 5% cashback on top brands and lounge access!
The HDFC Millennia Credit Card seems like a pretty good option for someone starting out with cards in India, especially if you do a lot of online shopping. I mean, they have this 5 percent CashPoints on places like Amazon and Flipkart, which adds up if you buy stuff there often. And then 1 percent unlimited on everything else, which includes UPI spends too, so it's kind of handy for daily things. Right now there's a lifetime free offer going on, but only till December 2025, so if you apply soon you might skip the joining fee of 1000 plus GST. The annual fee is the same, but it gets waived if you spend a lakh in a year. I think that's not too bad for an entry-level card. The HDFC Millennia Credit Card is designed for online shoppers and beginners.
Why Choose HDFC Millennia in 2025?
5% cashback on Amazon, Flipkart, Swiggy, Zomato • 1% unlimited on all spends • 8 lounge visits per year • Lifetime free offer • Fuel surcharge waiver • Works with UPI
Best for: Online shoppers, food delivery fans, moviegoers, young professionals, UPI users, beginners
Limited Time Offer – Lifetime Free till December 31, 2025
Card At a Glance
₹1,000 + GST (LTF till Dec 2025)
₹1,000 + GST (Waived on ₹1L spend)
5% on Top Brands | 1% Unlimited
8 Domestic Visits/Year
3.5%
1,000 CashPoints on First Transaction
Complete Fees & Charges
| Particular | Details |
|---|---|
| Joining Fee | ₹1,000 + GST (LTF till Dec 2025) |
| Annual Fee | ₹1,000 + GST (Waived on ₹1L annual spend) |
| Welcome Benefit | 1,000 CashPoints on first transaction (if not LTF) |
| Rewards Redemption Fee | Zero (instant redemption) |
| Foreign Currency Markup | 3.5% + GST |
| Interest Rate | 3.6% per month |
| Fuel Surcharge Waiver | 1% (₹400-₹5,000 txn, max ₹250/month) |
| Cash Advance Fee | 2.5% or ₹500 (whichever higher) |
Detailed Reward Rates (2025)
- 5% CashPoints on Amazon, Flipkart, Swiggy, Zomato, BookMyShow, Myntra, Nykaa, Uber, Cult.fit
- 1% CashPoints unlimited on all other spending (offline, bills, UPI)
- 1 CashPoint = ₹1 on SmartBuy for flights/hotels (best value)
- 1 CashPoint = ₹0.30 to ₹1 on vouchers (depends on brand)
- Extra rewards during sales - up to 33% back on SmartBuy (10x/5x points)
- No rewards on fuel, wallet loads, rent, government payments, insurance, EMI
- CashPoints do not expire
Airport Lounge Access
8 complimentary domestic lounge visits per year
2 visits per quarter (unlocked by spending ₹5,000 in previous quarter)
Available in Delhi, Mumbai, Bangalore, Chennai and other major cities
Works on Visa/Mastercard network (domestic lounges only)
Insurance & Protection Benefits
- Zero liability if card is lost and reported immediately
- ₹50 Lakh air accident cover
- Purchase protection coverage
- EMI conversion on spends above ₹2,500
Pros & Cons (Real User Perspective)
| Pros | Cons |
|---|---|
| 5% cashback on top online brands | 5% only on selected brands |
| Lifetime free offer till Dec 2025 | Lounges require ₹5,000 quarterly spend |
| 1% unlimited on everything else | 3.5% forex markup (bit high) |
| 8 lounge visits per year | No international lounge access |
| 1% fuel surcharge waiver | Points value drops to 30 paise outside SmartBuy |
| CashPoints never expire |
Eligibility Criteria & Documents Required
- Age: 21-60 years (salaried) | 21-65 years (self-employed)
- Minimum Income: ₹35,000 monthly (salaried) | ₹6 Lakh ITR (self-employed)
- Credit Score: 750+ preferred
- Documents: PAN, Aadhaar, salary slip/ITR, bank statement
How to Apply Online (5-Minute Process)
- Visit HDFC website and click apply for Millennia card
- Fill in details for instant pre-approval
- Upload PAN, Aadhaar & income documents
- Video KYC (2-3 minutes)
- Card delivered in 5-10 days
Final Verdict—Should You Get It in 2025?
If you spend ₹15,000 or more a month on those sites, you could save ₹18,000 to ₹25,000 a year with the rewards and lounges, especially with LTF. The HDFC Millennia Credit Card is best for online shoppers, food delivery fans, moviegoers, young professionals, and UPI users. I might be missing some details, but overall it feels like a solid card for everyday online stuff, though the lounge condition could be a hassle if your spending dips.
Frequently Asked Questions (FAQs)
Is the LTF offer genuine for HDFC Millennia Credit Card?
Yes, apply before December 31, 2025 to get zero fee forever with HDFC Millennia Credit Card.
Which brands give 5% cashback with HDFC Millennia Credit Card?
Amazon, Flipkart, Swiggy, Zomato, BookMyShow, Myntra, Nykaa, Uber, Cult.fit on HDFC Millennia Credit Card.
How to get lounge access with HDFC Millennia Credit Card?
Spend ₹5,000 per quarter to unlock 2 lounge visits next quarter with HDFC Millennia Credit Card.
Do CashPoints expire on HDFC Millennia Credit Card?
No, CashPoints do not expire on HDFC Millennia Credit Card.
Best way to redeem CashPoints on HDFC Millennia Credit Card?
On SmartBuy for travel at 1 rupee value with HDFC Millennia Credit Card.
Affiliate Disclosure: Some links here might earn commission if you apply, no extra cost though. Updated as of November 21, 2025, I guess that's recent.