The Blues defender, who missed the showpiece at the Allianz Arena through suspension, praised his side for their victory against the odds over Bayern Munich
Having been sent off in the semi-final win over Barcelona, the defender was suspended for the showpiece match in Germany, but the Blues won 4-3 on penalties after 120 minutes of action could not separate the two sides.
And Terry insisted that the circumstances of Chelsea's progression through the competition showed it was always meant to be their time.
"It was worse watching [than playing]," he told Sky Sports. "It was incredible. The lads were fantastic in the first half, second half.
"When it goes to penalties, it's amazing how the momentum swings. Once they missed that second penalty that was it, it was always going our way.
"When you look at it, we were 3-1 down against Napoli, then in the quarter-finals against Benfica. Everyone had ruled us out of this competition early on, even today they scored in the 83rd minute and Didier comes up with a goal, they miss a penalty, the Barcelona game as well.
"Sometimes things are meant to be and I'm so happy it's meant to be Chelsea this year."
Despite his suspension, Terry was delighted to be allowed to take part in the post-match celebrations, saying: "It means the world to me. It was a great touch from Frank, and a really nice gesture from Uefa as well.
"It was an unfortunate situation I put myself in and unfortunate for the players on yellow cards. On a great night like this you have to be involved."
The 31-year-old also hailed the Blues' fans, adding: "This competition means the world to this football club and when you see the fans you see what it means to them.
"There are so many Chelsea fans back home who have not made the trip and have unfortunately not been able to get a ticket. Everyone here is thinking of them and thanks every Chelsea supporter for their support."