What are the features of HDFC Millennia Credit Card and how it is a better pick than other Credit Cards?

Credit Cards are being used by an increasing number of shoppers everyday across different online and offline platforms. 

Customers can make payments conveniently using Credit Cards, as the details of cards can be securely saved across online websites and mobile apps. 


In just a few easy steps, purchases across multiple platforms can be completed quickly by using Credit Cards.

HDFC Millennia Credit Card is one of these exciting and feature rich cards. The card provides significant benefits and amazing rewards to the customers. 

If you are shopping frequently across online websites, this credit card can provide you perks including up to 5% Cashback, Attractive Dining Privileges, Welcome Benefits and Smart EMIs among various other benefits.

Features of HDFC Millennia Credit Card

Let’s go through the amazing features of HDFC Millennia Credit Card which make it a better pick than other Credit Cards. 

Cashback on Online Websites

HDFC Millennia Credit Card provides 5% Cashback while you are making the following transactions:

Shopping for your favorite products on Amazon, Flipkart and Myntra

Using BookMyShow to book movies in Cinemas

Ordering Food and Groceries through Swiggy and Zomato

Making Payments across, Sony LIV, Tata CLiQ, and Uber

For all other spends, which include EMI and Wallet Transactions, loading amounts in Prepaid Cards, Gift Cards and Transactions for Purchasing Vouchers, 1% Cashback is provided. 

It is pertinent to note here that no cashback is provided for Fuel Payments, Rent Payments and Government related transactions. 

Amazing Dining Privileges

Customers using HDFC Millennia Credit Card get amazing privileges, while they make their restaurant bill payments through Swiggy Dineout. 

On making card payments at over 20,000 partner restaurants, the customers can get discounts of up to 20%.

Welcome Benefits

Customers of HDFC Millennia Credit Card are provided a Welcome Gift Voucher. The amount of Gift Voucher is equal to the Joining Membership Fee. 

The Gift Voucher can be from one of your favorite brands like Amazon, Flipkart, Reliance Digital and Myntra among others. 

Voucher amount can be in the range of up to Rs. 1500. This offer is valid only if the joining membership fee is paid by the customer and can vary according to the prevailing offer at the time you apply for the card. 

Waiver on Fuel Surcharge

With the rising fuel costs, this feature of HDFC Millennia Credit Card provides relief to customers. The card provides a waiver of 1% on Fuel Surcharge to the card users. 

This waiver is provided when Fuel Transaction ranges between ₹400 to ₹5,000 and is capped at a maximum of ₹250 per statement cycle. 

Attractive EMI Conversion Options 

Customers using HDFC Millennia Credit Card can easily convert their big ticket spends across categories such as Insurance, Petrol, Education, Electronics, Travel and Medical Expenses into Smart EMIs. 

Once the transaction is converted into EMI, customers can easily pay the amount in the form of installments. EMIs can be spread across multiple tenures ranging from 6 to 48 months. 

However, this feature is not applicable for any transactions related to Gold and Jewellery. Additionally, if any transaction is converted into EMI, the corresponding reward points are reversed. 

Complimentary Lounge Access

Lounge Access Feature is revised for HDFC Millennia Credit Card effective December 1 2023. Now the Millennia Credit Card holders can get 1 Complimentary Voucher for Lounge Access per calendar quarter. 

The customers can receive vouchers once they spend Rs. 1 Lakh or more in a calendar quarter. This way, customers can get 4 Complimentary Lounge Access per year, if they fulfill the spend criteria. Lounge access can be availed at select Domestic and International Lounges across India. 

Bottom Line

HDFC Millennia Credit Card has all the amazing features and offers. The card provides added security to customers, in the form of Zero Liability for Card Loss and up to 50 days interest free period. These features make it a top pick among Credit Cards for Millennials and Gen Z alike. 


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