HDFC Millennia Credit Card Review

By | November 15, 2020
HDFC Bank Millennia Credit Card
HDFC Bank Millennia Credit Card

HDFC Bank last year launched Millennia series of credit/debit/prepaid cards for Millennials and here we’re going to see a very detailed review of the HDFC Millennia Credit Card.

Joining Fees

Joining FeeINR 1,000+GST
Joining Fee WaiverSpend INR 30,000 & above in the first 90 days
Welcome Benefit1,000 Reward Points
Renewal FeeINR 1,000+GST
Renewal Fee WaiverINR 1,00,000 in a year
  • Launch Offer: INR 1000 worth gift vouchers on spends of INR 1,00,000 and above in each calendar quarter (first year only).

Launch/activation offer keeps changing with HDFC Bank, so check with the bank about the same while applying.

That aside, the joining/renewal fee waiver conditions are pretty good for the card of this range.

Note that HDFC usually gives most credit cards as First Year Free if you’re upgrading, and now during Diwali it seems they’re back with the Lifetime Free cards as well.

Reward Points

Txn TypeCashback %Max. Cap / MonthMin. Txn
Payzapp / Smartbuy5%7502000
Online Spends2.5%7502000
Off-line / Wallet Spends1%750100
  • Points Validity: 1 Year

The rules are okayish, as we get decent return on spend. Yet, I wish these rules were set quarterly or half yearly rather than monthly so that those who do seasonal shopping gets the maximum benefit as well.

Note that this is the only HDFC credit card that gives rewards for wallet loads at the moment, which is good.

But you don’t earn these points in real-time. Instead you get points added in bulk by beginning of every month.

While industry demands instant earning/redeeming, HDFC takes opposite route. This is like going back to stone age, hmmm!

Reward Redemptions 

  • 1 CashPoint = INR 1 (for stmt credit)
  • 1 CashPoint = INR 0.30 (for flight/hotel redemption)
  • Redemption requirement: Min. of 2500 Points (for stmt credit)

If you’ve followed all above rules to earn the rewards now you’ve another check-point to pass, as the minimum points required to redeem your points for statement credit is set to: 2500 reward points.

With this rule in place, combined with validity of points, hardly ~10% of the customers could actually redeem the points.

Now you know why you’re getting an “Upgrade” offer on net-banking from Clubmiles or other premium cards to Millennia!

Quarterly Rewards

millennia credit card qaurterly rewards offer

As a part of launch offer you get Rs.1K voucher every quarter on spending 1L. Fortunately fulfilment of this reward is pretty fast than expected. It came within ~2 weeks of completing the transaction.

For the rewards, they have quite a list of brands as below, but as always Amazon voucher is the best and it was available for instant redemption.

millennia quarterly rewards brands
millennia quarterly rewards redemption

Variants

Speaking of HDFC Millennia, you should also know the different variants of millennia, meaning the different card networks on which the card is issued.

Millennia is issued on Visa Signature, Mastercard World & Diners Club platforms.

These days its interesting to see entry level cards like HDFC Millennia & Axis ACE on Visa Signature variant, as you get additional platform benefits as well.

HDFC may likely rotate the variant from time to time to keep them in a specific ratio. It may also differ based on sourcing medium, for ex, most card members are getting “Diners Millennia” if the upgrade was done via net-banking.

Generally you can’t choose the variant but if you’re facing issues in acceptance like with Diners, you may request bank to get it changed to your desired card network stating the reason.

Design

HDFC Millennia Credit Card

If you’re new to credit cards you would be surprised to see a neat and clean minimalistic design without the card details embossed on front of the card, except your name.

I recently got this card (as an add-on) and it looks pretty good in hand. The colour is bright and good in outdoors and bit dull in the indoors.

It’s a nice, cool & formal design, yet it could have been slightly better I feel. Infact HDFC Millennia debit card which has similar design with minor change in the colour gradient looks better in my opinion. 

Just incase if you’re wondering, not to worry, the card details are at the back.

Airport Lounge access

  • Domestic: 2 complimentary access/quarter
  • Network: MasterCard, visa or diners

These days lounge access is limited to only few lounges on entry-level cards like Millennia. Axis Bank does mention the same transparently but I doubt whether HDFC does it.

So the old concept of having “Mastercard” for better lounge access don’t really apply all the time.

Hence, if lounge access is your concern you’ve to choose the variant based on the cards/networks that the lounge you visit gives access to.

Bottomline

  • Cardexpert Rating: 3.5/5

I’ve mixed opinion on this card as the verdict depends on what one is looking for from the product. I would broadly categorise it in 3 different segments as below:

If you’re looking for rewards, you would be disappointed with too many rules. So in that case, HDFC Millennia is not for you. Better go for the newly launched Axis ACE credit card or even Amex MRCC which is currently issued as First Year Free.

If you’re a seasonal shopper, like shopping during the festive season, its a very good product as you could save pretty well on Festive promos alone. Also HDFC merchant offers are decent all through the year.

If you intend to upgrade from HDFC Moneyback card, Millennia is definitely a very good option in terms of rewards and benefits.

Overall a good product for someone who is new to credit cards. You get lounge access, good rewards and get access to HDFC merchant offers.

Yet, all I wish is fewer t&c for earning/redeeming rewards and liberal max. cap, which could have made this a “WOW” product.

Do you hold HDFC Millennia Credit Card? Feel free to share your thoughts in the comments below.

Side Note: HDFC rolled out another round of credit limit enhancement offer this Oct 2020, do check whether you’re eligible for the same.

57 thoughts on “HDFC Millennia Credit Card Review

  1. Kavita

    Hi,
    Thanks for your post and all these details..I had clubmiles cards and have being saving points on it..I blocked the card for using on the wrong site and told them to resend it. But they sent me milliena dinners card instead without any information. After a lot of complain on twitter, email, finally they told me they are stopping club mile card and have upgarded to this. and they transferred my points from clubmile to millenia.

    Is there anything else I do? How can it be a upgarde? Also, Dad felt this card is good for using it for insurance purposes. Is there any other card you can recommend for insurance purposes? I have prestige but they dont give points.

    Reply
    1. Harry

      Go with Axisbank Ace or Axisbank Flipkart credit card for insurance spends. They provide 2% and 1.5% cashback respectively in your statement without any limits.

      Reply
      1. Nipun

        Hi, I will suggest SBI Prime for Insurance payment including Insurance where you get 5% reward rate by 20 points on bill payments and redeemable for Statement credit.

        Reply
  2. Pratik

    Hi Siddharth,

    Apologies if it is crossing the line, but could not resist.

    HDFC is lately taking a stand that 1 customer can be given only 1 card. How did you manage to get this ? Further, basis previous articles, I understand that you had Infinia and DCB as well.

    So how many cards from HDFC do you have?

    Reply
    1. Siddharth Post author

      This one is an Add-on card. Dual card is bit strict lately, but you can check with branch for the same.

      Reply
      1. Pratik

        Ah okay. I already have Infinia and Indigo XL. Wanted to know how you got the 3rd one.

        Understood. Thanks.

        Reply
  3. Vikash Singh

    Hi Sid,

    I am using this card since last six Months and HDFC is continuously disappointing me till now. Wherever i spent through this card they Credited [email protected] flat 1%.
    After talking to my RM he suggested to send mail. After so many mails they didn’t credit correct rewards till now.
    I had spent on Payzapp, Cred Rent payment and Amazon but no use they traeted all as offline Txn and credited flat 1% Seriously they have gone mad this time. I am not using now.

    Reply
  4. Varun

    I “upgraded “to this card from the Regalia First in July. Have I erred? How do I go back to Regalia First or Regalia, or ideally – Diners Privilege which I have set my eyes on recently?

    Reply
    1. Kamal

      Am sorry but unfortunately its a bad “UPGRADE”. Months before, my RM said he can only process Milliennia and I took it up with branch manager. BM added me to the last batch of CC holders to be given Regalia First.

      I like hdfc ecosystem for its merchant offers but Milliennia is too restrictive with TnC. Inside hdfc ecosystem, try asking for upgrade to Diners club privilege or Regalia .

      Outside hdfc, as suggested in the article by Sid and on personal experience , Axis Ace is a great daily card .
      You can find my comments in Axis Ace article

      Cheers,
      Kamal

      Reply
      1. Varun

        Thanks for your reply. Let me upgrade to the HDFC Diners Privilege if possible.

        Reply
  5. Tejas

    Thanks Siddharth for sharing the details.
    One of the biggest plus point I see to get this card, is to get 1250/- cashback on rent payment using Nobroker.
    They have this offer since they launched rent payment.

    Reply
    1. Siddharth Post author

      And it seems many are facing issues in getting that cashback.

      Reply
      1. Manish

        Hi Siddharth,

        I am holding Diners Club variant of this card since July 2020 as I applied for Regalia First but received this one. I am facing major problems on this card:

        1. Cashback Points are not properly counted and credited (As I have send a brief email regarding this to CC of hdfc)
        2. I bought Samsung Galaxy S20 on 11 July 2020 and still not received cashback of 6,000 which was an offer and also mentioned on the charge slip. (it should be credited with in 90 days)
        3. I made a rent payment on Noborker.com on 11 Aug 2020 and received only 5% cashback of payzapp side still waiting for 5% cashback points of Milliennia which should be credited on 1 Sep 2020. (Call and Mail send to hdfc CC but no positive response received.)
        4. Card is not accepted everywhere. I have called to hdfc to change the variant but they refused to do it and as of now I didn’t received and limit enhancement / upgrade offer. I want Regalia First or Regalia card. Please help what to do ?

        Reply
  6. Kevin T

    Too many condition
    Like minimum spends have to be 2000 else you won’t get any cashback
    The offers are attractive but if you read the conditions the card falls flat on it’s face
    Joining Fee of 1000 for such an underwhelming card seems dubious
    The card is another fuzzy representation of rewards you could earn but eventually won’t be able to redeem

    Reply
  7. Rindika Fanai

    How Do i get a credit card if i own a small business and have no source of proof for income as we handle it by cash only

    Reply
    1. Rindika Fanai

      currently using HDFC Millenian debit card for almost 1 year and i recently upgraded to Platinum debit card

      Reply
  8. Raj

    I am holding millinia master card a year 1 lakh spend on per quarter is good and get on the achievement month i.e 2 or 1 month not wait for the completion of the quarter.but the cashback points are not regular and not correct also. Eventhough as per terms and conditions i should get more than 1k cb points for last 4 continuous months but I got only 358 cb points in last month as per waiting period of 90 days to reflect the points.

    For that matter already mailed to hdfc but I didn’t get reply in within 7 business days and send reminder also..if you could please tell the reward points/cashback points calculation in hdfc.

    Reply
  9. Saurabh Juneja

    Can I apply for it if I’m already having hdfc regalia first credit card?

    If yes, does it provide any other benefits from regalia first?

    Kindly explain

    Reply
  10. Anshumaan

    Hi Sid,
    Is millennia card being issued as Lifetime Free for non hdfc account holder? If yes then what is the conditions? The link that you provided does not clarify the conditions for converting card to LTF…

    Reply
  11. Hitesh

    Hi Siddharth.

    Is the monthly max cap of 750 on each of the categories of payzapp, online and offline (i.e total 2250 per month) or it is 750 for all 3 combined ?

    Reply
  12. Nitansh

    Should we upgrade from clubmiles since i got an upgrade in netbanking
    Probably this is a downgrade not an upgrade
    Will loose out money on trxn less than 2000
    And the limit monthly is 750 which is a joke

    Reply
  13. Sunil Yadav

    Two points are very bad for this card.

    1 Reward points is not showing real time and. If you are process any transaction by smart by then maximum earned point is 150 Rs.
    2 Same maximum earning condition for payzapp.

    Reply
  14. Amex Guy

    Diners Millenia is a very interesting card. Millenia, in general, is like a textbook Discover card offering. That’s how they position their cards globally. I won’t be surprised if the success of this card will push Discover to launch their own variants here, now that the acceptance is nearly ubiquitous.

    Reply
  15. Piyush

    Hi Siddharth, thanks for such wonderful article. I am using HDFC Diners Clubmiles card from last 1 year and Have a good score and spending pattern. But i have got a limit enhancement option once till now. I want to upgrade my card and but unable to do so talked with the manager but he has no clue how to upgrade this card. Could you suggest me a way to upgrade? I am not satisfied with the rewards of clubmiles.

    Reply
  16. Kalpesh Sonje

    I am using this since 4 months not get any rewards as per car features, they are giving flat 1% cash points on every month basis, I am also not getting 5% cash points when use through payzapp or HDFC smart buy programme, so I think after getting first year benefit of card like 1000 voucher on 1lacs qtly spend and other welcome benefits , I will close and cancel this card, if they seriously not crediting correct cash points

    Reply
  17. DIPAK KUMAR

    This is the worst card i have ever seen. Hdfc does not credit the reward point as per the offer . I emailed they said offer will be applied if correct MCC code is detected. They cannot do anything. Till now i should get around 1800 point but only 636 point is only credited in last 4 months , i got my card on 15 june 2020. Waht i noticed is important for all. As per my scrutiny on reward credited to my card. When i used on smartbuy to shop on amazon for 2000 and above , hdfc credits 2.5% reward point. When i do txn on smartbuy for shopping on flipkart for 2000 and above i get 1 point for each txn. And i get 1% cashback credited after on flipkart txn for those txn i got 1 point per txn. I did txn of INR 9147 totalling 2 txn during june month on smartbuy flipkart, i got 91.47 credited on my statement on 25 sep 2020. For txn on normal online txn of 2000 plus i get correct txn of 2.5% . For wallet i have not tried yet. For payzapp bill payment above 2000 , they credit 1 point per txn . Generally points are credited in next month before 10th. For october month points will be credited by 10th of NOV.
    What is the offer on millennia credit card as per HDFC terms and condition and product page???
    1. For 5% category – use smartbuy / payzapp for txn in flipkart amazon hotel bookin flight booking. Min txn 2000 per txn eligible for reward point.
    Here how much you get on Amazon??
    You transact 2000+ you get 5% cashback on amazon smartbuy upto max 1000 per month This cashback will be credited to card statement within 90 days from end of txn month. PLUS , 5% reward point extra upto 750 per month ( incl. All smartbuy 5% category) as per card benefit. Total benefit on amazon smartbuy 5%+ 5% = 10% ( max. 1750 per month)

    How much you get on flipkart??
    You transact 2000+ you get 5% reward point as above max 750 per month on 5% smartbuy category PLUS 1% cashback upto 1000 per month. This cashback will be credited to card statement within 90 days from end of txn month. Total benefit 5% +1% = 6% ( max 1750 per month)

    These are the HDFC claims as per product page and terms and condition page.

    2. For 2.5% category – use any where online excluding wallet reloads credit card bill payment etc. You get 2.5 % flat cashback which is credited to card reward point correctly every month. Max cashback 750 per month.

    Note – During last 4 months i have noticed 2.5% cashback is correctly credited every month.

    3. For 1% category – use anywhere offline and online wallet reload get flat 1% cashback min txn. 100 and max. Cashback 750 per month.
    Note – I have never tried this category so i cannot comment on this category reward point creding correctly or not.

    Total benefit on card as reward point = 750 +750+750= 2250 per month.
    Note 1- cashback on smartbuy category depends upon the offer on smartbuy page some times its 5% on amazon and flipkart both or some time 2% on flipkart or 1 % on flipkart. Kindly check smartbuy page before you transact on smartbuy. Max. 1000 per month
    Note 2- smartbuy additional cashback as per above note can be earned on all hdfc debit card.
    Note 3- hdfc smart buy cashback is max 1000 per month per mobile no. Including hdfc debit card and credit card. Totalling of txn. Amt. On credit card and debit card is 1000 per month.

    Who can get this card??
    If you are not concerned regarding 5% category cashback or reward point then you can get this card.
    If you do not want to get in this mess get an Axis bank ACE credit card.

    I have few more points to elaborate the benefits and which will be the best option hdfc millenia card or axis ace card.

    Comment if you need more details.i will reply .

    Reply
    1. Ashish Goyal

      I am facing the exact rewards point issues u mentioned here.
      As per their terms, Amazon Shopping should fetch 5 points for every Rs 100 spent. And if redirected to amazon using smartbuy, then I should get additional 5 points i.e total 10 points for 100 rs spent on min 2000 txn but I never see this happening.
      My rough estimate is that I should have been getting close to 2000 points but till now received only 622 points. Its been 5 months. God wish I knew before HDFC was so awful in their reward system.

      Reply
    2. Raj

      Hi bro I also struggling for the same.every month I made more than 16k transactions in payzapp ,atleast 10k on online and 10k on wallet and offline. But I didn’t get correct cb points for the last 4 months that means shortage of 1k points. Before that some hundred points shortage but also low points from actual.And now I think to get axis ace card.so can you explain me the benefits and how to get ace card

      Reply
  18. Ashish Goyal

    Thank you Siddarth for the detailed review. I totally agree that rules are really restricting and unnecessary. Also it seems like i dont get points Rewarded properly.

    Like by paying through smart buy I should receive 50% more points and it’s been 5 months still i dont see those points in the hdfc portal. I don’t understand if ever those points will get credited or am I being duped.

    Thanks again for acknowledging my request and posting this long detailed review.

    Reply
  19. Nishant Raghatate

    Sid,

    I’ve applied for this card and I received communication from bank via mail and sms that my card is principle approved with abc ref number and bank executive will call me for further process.

    But till now no one has contacted me.

    What next I need to do ?

    Reply
  20. Anonymous

    Worst card ever. They don’t deposit rewards for months. They don’t respect autopay or standing instructions. They don’t have any human customer executive on any of their bank or credit card lines. Plzz stay away from this cheater bank and rather go to kotak or icici or axis. Amazon pay icici is best card ever. No bullshiting with terms and all. Maybe as it is an one of the major American company tie up with strict rules. Indians companies are also great lookat Flipkart axis card or Kotak 811.

    Reply
  21. Ankur

    Hi Sid,

    Don’t you think based on such a bad feedback and so much t&c, card rating should be below 3 stars.

    Reply
    1. Siddharth Post author

      Considered the same wile rating it at 3.8. Anyway, as you’ve pointed it out, dropped its rating to 3.5 now.

      Reply
  22. Amitabh Acharya

    My Diners Millennia card is not supported in merchant POS machine transactions, it shows error everytime except shopping mall POS machines. I don’t know why also not supported in some online transaction due to 14 digit number.
    What to do to exchange to other hdfc credit cards

    Reply
  23. Manish kataria

    Hi , everyone

    I been using this card from March 2020 constantly via smart buy & payzapp never i got rewards as promised now i stopped using this card gonna w8 90 days more if they credit any more cb otherwise its cheater bank earlier i had diners premium it was big mistake to upgrade in millenia its worse card better any other card even with 1% cb without any limitations

    Reply
  24. Abhi

    Is paying redgirraffe rent via payzapp considered for 5% cashback? I have same question for millennia debit card also.

    Reply
  25. Mahesh S. Panicker

    Suddenly, I have started receiving SMS alerts from HDFC informing me about credit of some reward points in my account. But even then, I don’t think they are getting the math right. I got an alert saying I have been credited 60 points for a 2.5 percent online transaction 1500. I don’t know if the number 1500 is some category number, else, 2.5 percent of 1500 can’t be 60! I wonder if other users are also getting similar messages. Or is it a personalized response to the many, many emails I wrote to them.
    In any case, the Millennia reward points system is completely, utterly messed up, and is giving the bank a bad name across the spectrum!

    Reply
  26. Mahesh S. Panicker

    For the Millennia users, if the bank is messing up with your reward points as they in all likelyhood must be, pleae also try using the HDFC Facebook page. Try sending them a message, and use the comment option on some of their posts, you are likely to get a response much faster than is the case with the customercare.

    Don’t know whether that would change their overall approach towards reward points, but at least there will be some response. I did mention a few general points about Millennia on a comment reply on the FB page, they immediately replied asking me to contact on messenger. When I did and detailed my issue with the reward points, I got a couple of responses within an hour.

    Don’t know if anything would come of it, but an option that you can consider nevertheless.

    Reply
  27. Ashutosh

    Hi siddharth and all fellow ppl
    Pl advice, I hold a diners premium (LTF) which I’d due to expire dec. 2020. I have recvd msg from Hdfc that ur credit card is due for migration and u will be getting hdfc millenia card. As per ur thorough analysis, it seems millenia is not much of an upgrade, further even I dnt know whether the new card will be LTF or not. Can I ask them to upgrade if they want to say diners privilege or let it be diners premium only.
    Pl advise so that I can follow up with them at this stage rather than after rcvng the card

    Reply
    1. Manish

      Hi Ashutosh,
      In my opinion don’t upgrade in Millenia as you will get a lot of problem in offers and cashback rewards. I am facing a lot of problem in this card. Customer care always asked to send an email for cashback points but no one is there to respond on email. My last mail was sent 8 days before but still no reply from their side.

      Reply
    2. Arnab Chaudhuri

      Immediately send the card upgrade form to Chennai without any further adieu.

      Reply
  28. Prabhat

    Is there anyone using this card and has been getting reward points as described?

    Reply
    1. Selva Balakrishnan

      using this card since one year, spent more than 10 lacs ,received mere 4k as cashback.

      Reply
  29. CvRt

    I’m currently using a HDFC Freedom credit card, any advantage for me if I upgrade to millennia. Most of my spends are on online shopping and utility bill payments.

    Reply
  30. Ganesh Kumar

    Hi Siddharth,
    Can we have two cards one Regalia and one more millennia as add-on card!

    Reply
  31. Vikash Singh

    @Ganesh Yes I have Regalia and Millenia both having different limits.

    Reply
  32. Binayak

    Hi Siddharth,
    Can you review the RBL Younique credit card. The first ever card which can provide customized benefits to users.
    To me seems to be very unique card with awesome milestone benefits.

    Reply
  33. Dr Charu Prakash

    Hi Siddhartha!
    I need to know if the HDFC Millennia card is internationally valid.
    Thanks.

    Reply
  34. Rachit

    Hello. I have a coral payback credit card from ICICI, HDFC Millenia, MMT ICICI, Amazon ICICI, Amex Platinum Travel and OLA SBI card. I use the cobranded cards only for their merchants (or card specific offers). Primary is Amex Platinum Travel but utility is diminishing due to merchant specific card advantage and less acceptance of Amex. My secondary card should be coral payback or millenia? I think both have similar rewards.

    Reply

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