HDFC Millennia Credit Card

The HDFC Millennia Credit Card stands out as one of the most sought-after cashback credit cards in the Indian market. This card has gained immense popularity due to its exceptional cashback rewards program, offering a lucrative cashback rate of up to 5% as CashPoints on purchases made at leading merchants such as Amazon, Flipkart, Myntra, and more. What sets this card apart is not only the attractive reward rate but also the flexibility in redeeming CashPoints. Each CashPoint can be redeemed as a cashback, effectively reducing the outstanding balance on the credit card by 1 Rupee for every CashPoint redeemed.

Among the numerous options available, HDFC Millennia Credit Card stands out as a promising choice for the modern shopper. With its range of benefits, innovative features, and tailored rewards, this credit card offers an enticing proposition. In this review, we’ll delve into the key features and advantages of the HDFC Millennia Credit Card, helping you make an informed decision about adding it to your wallet.

Cashback and Rewards

One of the standout features of the HDFC Millennia Credit Card is its rewarding cashback program. The card offers cashback on a wide range of transactions, including online shopping, dining, and utility bill payments. Cardholders can earn substantial cashback percentages on popular online platforms, such as Amazon, Flipkart, and more. This feature caters specifically to the preferences of today’s tech-savvy generation, who frequently indulge in online purchases. Additionally, the card provides accelerated reward points on select categories, enhancing the value proposition further.

Features of the HDFC Millennia credit card

Key Features	5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato 1% cashback on all other spends (except Fuel) including EMI & Wallet transactions ₹1000 worth gift vouchers on spends of ₹1,00,000 and above in each calendar quarter Upto 20% discount on partner restaurants via Swiggy Dineout Note: With effect from 1st January 2023, Rent payments and Govt Related transactions will NOT earn Reward Points For detailed Terms & conditions Click here
Additional Features	Zero lost card liability : In the unfortunate event of losing your HDFC Bank Millennia Credit Card, on reporting it immediately to our 24-hour call centre, you have zero liability on any fraudulent transactions made on your Credit Card.  Interest Free Credit Period : Up to 50 days of interest free period on your HDFC Bank Millennia Credit Card from the date of purchase (subject to the submission of the charge by the Merchant) Revolving Credit : Available at a nominal interest rate on your HDFC Bank Millennia Credit Card. Please refer to Fees and Charges section to know more. Exclusive Dining Privileges: Enjoy amazing dining benefits with Good Food Trail program. Get up to 20 % savings off on all your restaurant bill payments via Swiggy Dineout (20k + restaurants) (Offer inclusive of Restaurant and Swiggy Discount). Offer valid only on payments done via Swiggy App.
Lounge Access	8 Complimentary Domestic Lounge Access per calendar year (2 in a quarter)                                Diners Club International Lounge Program Click here Click Here to check the list of lounges for other variants For Mastercard Cards, Rs.25 will be charged and immediately made void at the terminal for verification. For Visa/Diners Cards, Rs.2 will be charged to the card account as a transaction for verification
Fuel Surcharge Waiver	1% fuel surcharge waiver at all fuel stations across India  (on minimum transaction of ₹400 & maximum transaction of ₹5,000. Maximum waiver of ₹250 per statement cycle)
Welcome Benefit	1000 Cash Points  (applicable only on payment of membership fee)
Renewal Offer	Spend ₹1 lakh or more in the preceding 12 months and get renewal membership fee waived off for next year.
Smart EMI	HDFC Bank Millennia Credit Card comes with an option to convert your big spends into EMI after purchase. To know more click here
Contactless Payment	The HDFC Bank Millennia Credit Card is enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets.  *To see if your Card is contactless, look for the contactless network symbol on your Card.  (Please note that in India, payment through contactless mode is allowed for a maximum of ₹5000 for a single transaction where you are not asked to input your Credit Card PIN. However, if the amount is higher than or equal to ₹5000, the Card holder has to enter the Credit Card PIN for security reasons)

Reward Point/CashBack Redemption & Validity

CashBack will be given in the form of CashPoints, which can be redeemed by you against the statement balance (on request only).

• The redemption against the statement balance will be at the rate of 1 CashPoint = ₹1
• The minimum CashPoint balance required for redemption against the statement balance is 500 CashPoints.
• CashPoints can also be used for redemption against travel benefits like Flight & Hotel bookings and Rewards Catalogue at the SmartBuy Rewards Portal, at a value of 1 CashPoint = ₹0.30.
• Unredeemed CashPoints will expire/lapse after 2 year of accumulation
• Flights and Hotels redemption, Credit Card members can redeem up to a maximum of 50% of the booking value through Reward Points. Rest of the transaction amount will have to be paid via the Credit Card limit
• With effect from 1st January 2023, Reward points redemption for flights & hotels bookings are capped per calendar month at 50,000.
• With effect from 1st February 2023, Reward points redemption for CashBack redemption are capped per calendar month to 3,000 rewards points
• With effect from 1st February 2023, cardmembers can redeem upto 70% of product/Voucher value through Reward points on select vouchers/products and pay the remaining amount via Credit card.
• Redeem CashPoints at the conversion rate of 1 CashPoint = ₹0.30

Product Catalogue	upto 0.30
Unified SmartBuy (Flights/Hotels)	0.3
Cash back	1
Airmiles	0.30 airmiles

CashBack as per product features will be credited in the form of Cash Points. Cash Points are valid only for 2 years from the date of accumulation e.g., if you receive CashPoints in May 2020, same will expire in May 2022.

Eligibility

HDFC Bank Millennia Credit Card Eligibility:

For Salaried	For Self Employed
Indian national Age: Min 21 yrs & Max 40 Yrs,  Income: Gross Monthly Income> ₹35,000	Indian national Age: Min 21 yrs & Max 40 Yrs, Income: ITR > ₹6.0 Lakhs per annum

Documents Required for HDFC Millennia Credit Card

• Formal application with two pictures.
• Any ID will suffice (PAN Card, Driver’s license, Passport, Aadhaar card)
• Address verification (permanent)- Anyone (Passport, Aadhaar card.)
• Payslips from the previous three months for salaried employees.

Want to apply, Here are the steps

HDFC Bank credit cards can be applied online at the bank’s official website. You should-

Step 1: From the bank’s official website, go to the HDFC credit cards page.

Step 2: Click or hit the “Sign Up” button next to the Millennia Credit Card.

Step 3: You will be forwarded to HDFC’s credit card application page, where you must complete a form in order for your application to be submitted.

If you want to go to HDFC Milliennia Credit Card Click here

Online Shopping Benefits:

The HDFC Millennia Credit Card truly shines when it comes to online shopping. It offers exclusive discounts, cashback, and rewards on partner websites and e-commerce platforms. Cardholders can enjoy exciting deals and savings while purchasing their favorite products or availing services online. Additionally, the card provides a seamless and secure online payment experience, making transactions quick and hassle-free. Whether you’re buying electronics, fashion, or travel tickets, the HDFC Millennia Credit Card ensures you get the best value for your money.

Contactless Payments and Digital Services

Keeping up with the evolving trends in payment technology, the HDFC Millennia Credit Card supports contactless payments, making transactions faster and more convenient. With just a simple tap, you can complete your payment at enabled terminals, reducing the need for physical contact or PIN entry. Moreover, HDFC Bank’s robust digital services allow cardholders to manage their accounts, track transactions, and pay bills effortlessly through online and mobile banking platforms. This emphasis on digital convenience adds to the overall appeal of the card.

Lifestyle Privileges

Beyond its financial benefits, the HDFC Millennia Credit Card offers an array of lifestyle privileges. Cardholders gain access to exclusive airport lounge access, entertainment offers, and discounts on dining, spa treatments, and more. These perks enhance the overall experience, providing a touch of luxury and indulgence to complement your everyday transactions.

Security and Customer Support

When it comes to credit cards, security and reliable customer support are paramount. HDFC Bank ensures the safety of its customers with advanced security features, including secure online transactions, zero liability for unauthorized transactions, and EMV chip technology for added protection. Additionally, the bank’s dedicated customer support team is available 24/7 to address queries, concerns, and provide assistance whenever needed.

Conclusion

The HDFC Millenia Credit Card is a versatile and feature-packed offering that caters to the needs and demands of the modern consumer. Designed to enhance your shopping experience, this credit card comes with a plethora of benefits and rewards that make it a valuable asset in your financial arsenal. After using it for several months, I can confidently say that the HDFC Millenia Credit Card is a fantastic choice for those seeking a convenient and rewarding credit card experience.

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