HDFC Bank Credit Card
HDFC Millennia Credit Card
Unlock unmatched rewards, milestone benefits, and premium lounge access with India’s leading partner card.
InsureUPI Cloud
HDFC BANK
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•••• •••• •••• 2522
CardholderFintech Client
MastercardCard Specifications & Specs
Annual Membership Fee
₹1000 + GST
Minimum Monthly Income
₹35,000
Card Issuer & Network
HDFC Bank (Mastercard)
Rewards & Benefits Structure
💰 Reward Rate & Cashbacks
Earn up to 5% cashback on partner spend (like Swiggy, Zomato, Amazon) and 1.5% default on other retail purchases.
✈ Airport Lounge Privileges
Complimentary domestic and international airport lounge accesses (capped at 4 visits per quarter).
Pros (Why Choose It)
- High-value reward multipliers on daily online retail platforms.
- Waived renewal membership fee upon meeting annual spends threshold.
- Compelling fuel surcharge waiver points at all stations in India.
Considerations
- Higher interest APR charges on unpaid credit card statements.
- Cash advance transaction fees apply on ATM cash withdrawals.
Frequently Asked Questions
What is the minimum income requirement?
The minimum monthly income requirement for HDFC Millennia Credit Card is ₹35,000 for salaried applicants.
How long does the application process take?
Applying online via InsureUPI takes less than 3 minutes. Dynamic routing to HDFC ensures real-time partner API responses.