ELIGIBILITY CRITERIA
• Indian resident
• Salaried applicants: Minimum age 21 years, maximum 40 years; Net monthly income > ₹35,000.
• Self-employed applicants: Minimum age 21 years, maximum 40 years; ITR > ₹6 lakh per annum.
• Official page does not list any minimum credit score requirement.
————————————
WELCOME BENEFITS
Paying the membership fee entitles you to reward points equivalent to the fee amount. No other specific welcome reward details are listed on the official card page.
————————————
CARD REVIEW
The HDFC Bank Millennia Credit Card is a cashback-focused card ideal for consumers who make frequent online purchases from popular merchants and want to earn meaningful returns on everyday spending. With 5% cashback on select brands and 1% on other spends, it delivers strong value if you hit its reward caps and quarterly milestones. The annual fee is competitive, and spending ₹1,00,000 in a year can effectively waive future renewal charges. However, the lack of a clearly specified network type and detailed fee breakdown on the main page may require applicants to review terms carefully before applying. This card is best suited for digitally active users seeking consistent cashback rather than premium travel perks.
