With Chelsea having rode their luck at various stages of the tournament, including in the final itself, Terry was delighted to be able to celebrate a momentous night in the club's history.
"It was worse watching," Terry 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."