HDFC Bank Millennia Credit Card
HDFC Bank Millennia Credit Card
Joining Fees
Renewal Fees
Best Suited For
Reward Type
Welcome Benefit
₹ 1,000 + GST
₹ 1,000 + GST
Shopping
Reward Points
1,000 CashPoints.
Rewards and Benefits
Welcome Benefits
1,000 CashPoints.
Rewards Rate
- 5% cashback (as CashPoints) at select partner online merchants.
- 1% cashback (as CashPoints) on all other spends (except fuel, rental, and govt. related transactions)
Reward Redemption
Rewards processed as CashPoints, 1 CP = Re. 1 while redeeming against the statement balance of the credit card and 1 CP = Rs. 0.30 while redeeming against products and vouchers in the product catalog, and against flight/hotel booking.
Zero Liability Protection
Cardmembers are not liable for any unauthorized spends made on their card if loss of card reported within 3 days.
Spend Based Waiver
The renewal fee is waived off if the cardholder spends Rs. 1 Lakh or more in the previous year.
Movie & Dining
Up to 20% discount at partner restaurants with complimentary Swiggy
Travel
4 complimentary airport lounge access every year, 1 per quarter
Fuel
Get 1% Fuel Surcharge Waiver on Fuel Purchase over ₹400
Domestic Lounge Access
1 Domestic Airport Lounge Access Every Quarter (4 Each Year)
International Lounge Access
NA
Insurance Benefits
NA
Fees & Charges
Rewards Redemption Fee
Rs. 99 per redemption request (plus applicable taxes)
Foreign Currency Markup
3.5% (plus applicable taxes)
Interest Rates
3.6% per month (or 43.2% per annum)
Fuel Surcharge
- 1% Fuel surcharge which is waived if you spend minimum Rs 400 in single transaction.
- The maximum CashBack is capped at Rs. 250 per payment cycle.
Cash Advance Charges
2.5% of the transaction amount, subject to a minimum fee of Rs. 500
Add-on Card Fee
Nil
Product Details
- 1,000 CashPoints as a welcome benefit on card setup (subject to realization of the joining fee).
- Gift vouchers worth Rs. 1000 on spending Rs. 1 Lakh or above in a quarter
- 5% cashback at select partner online merchants, including popular e-commerce websites like Amazon and Flipkart.
- 1% cashback on all other spends except fuel, rental, and government spends
- Up to 20% discount on partner restaurants via Swiggy Dineout
- 4 complimentary lounge visits every year at domestic airports across India.
- Renewal fee waiver on spending Rs. 1,00,000 in the previous year.
Pros or Cons
Pros
- Get high 5% cashback on partner merchants like Myntra, Amazon, Zomato, Swiggy, Uber, etc.
- Get access to 4 complimentary domestic airport lounges with the card
- Renewal fee waiver on spending Rs. 1 Lakh in the card anniversary year
Cons
- You earn a low 1% cashback on offline/online spends at non-partner merchants
- The accelerated Cashpoints are capped at 1000 per statement cycle and you can earn 1000 Cashpoints at the normal 1x rate.
- Minimum 500 Cashpoints are needed to redeem against the card statement balance
Cashback
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Charges
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Advantage
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Drawbacks
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How to Apply
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Eligibility Criteria
- Age of 18 and 70 years.
- Resident of India or a Non-Resident Indian
Document Required
- Color photograph
- Identity Proof (Aadhaar Card / Driving License / Passport)
- PAN Card
- Residence Proof (Ration Card / Electricity Bill / Telephone Bill / Passport)
- Proof of income (latest Pay Slip / Form 16 / IT return Copy)
Card Limit
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Application Status
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Card Login
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Card Pin Generation
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Card Review
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FAQ
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