HDFC Millennia Credit Card

Best CashBack Credit Card

Card Type : CashBack

APPLY NOW : https://www.hdfcbank.com/personal/pay/cards/millennia-cards/millennia-cc-new

Features of HDFC Millennia Credit Card

Key Features

You can get 5% cashback when you shop on popular websites and apps like Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, and Zomato. This means if you spend money there using this credit card, you get money back equal to 5% of what you spend.

For all other purchases made with the card, you will receive a 1% cashback, which means a small portion of your spending will be returned to you as cashback.

There is also a special offer: if you spend ₹1,00,000 or more during a calendar quarter (three months), you will receive ₹1000 worth of gift vouchers. This is like a reward for spending a certain amount.

Additionally, if you use the card to dine out through Swiggy Dineout, you get an extra 10% discount by using the coupon code HDFCCARDS.

In short, this credit card helps you save money by giving cashback on your purchases from popular stores and apps, rewards you with gift vouchers for higher spending, and offers extra discounts on dining via Swiggy Dineout.

Note: For detailed Terms & conditions Click here

Additional Features

Zero Lost Card Liability: No liability on fraudulent transactions post-reporting a lost card.

Interest-Free Credit Period: Up to 50 days of interest-free credit.

Revolving Credit: Available at a nominal interest rate.

Dining Privileges: Up to 20% savings at partner restaurants via Swiggy Dineout.

Lounge Access: Integrated into quarterly spending milestones, cardholders can choose between Dreamfolks airport lounge access or INR 1,000 vouchers.

Fuel Surcharge Waiver of HDFC Millennia Credit Card

1% fuel surcharge waiver across all fuel stations in India.

Waiver applicable for transactions between INR 400 and INR 5,000 with a maximum waiver of INR 250 per statement cycle.

Welcome / Renewal Benefit of HDFC Millennia Credit Card

Pay your Membership fee and get Reward Points equivalent to Fee Amount
​​​​​​​(Applicable only on payment of Membership fee)

Lounge Access

Important:

Effective December 1^st 2023, Lounge access feature associated with Millennia Credit Card is revised. Click here for details.

Please Note: Lounge access is now integrated into quarterly spends milestone program. Upon achieving quarterly spends milestone, users can either opt for Dreamfolks airport lounge access voucher (Or) Rs. 1000 voucher from the available list of Brands.Here are the new conditions for airport lounge access:

Cardholders must meet the quarterly spend milestone to qualify for airport lounge access with the HDFC Millennia Credit Card. Specifically, cardholders become eligible for a reward by spending INR 1 lakh or more in a calendar quarter. However, they can only choose one reward: either a Dreamfolks airport lounge access voucher or an INR 1,000 voucher from select brands.

Cardholders cannot claim both rewards. This milestone-based reward system replaces the previous complimentary lounge access benefit, which was discontinued at midnight on November 30, 2023.

To claim the chosen voucher, recipients must do so within 60 days of receiving the reward notification.

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 :

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

• Here’s a simple explanation of how the CashPoints redemption works for HDFC Bank credit cards:
• You earn CashPoints when you use your HDFC credit card. You can redeem these points to reduce your credit card bill. The rate for this redemption is 1 CashPoint equals ₹1, and you need at least 500 CashPoints to start redeeming.
• Besides paying off your statement balance, you can also use CashPoints to book flights and hotels through the SmartBuy Rewards Portal, but at a lower value: 1 CashPoint equals ₹0.30 when used for travel bookings or products from the rewards catalogue. While redeeming for flights and hotels, you can use CashPoints for up to 50% of the total booking cost, and the remaining amount needs to be paid using your credit card.
• To manage limits and fairness, there are monthly caps on how many points you can redeem:
• For flights and hotels, points redemption is capped at 50,000 points per calendar month.
• For cashback through statement balance redemption, the cap is 3,000 points per month.
• For selected products or vouchers, you can redeem reward points for up to 70% of the value and pay the rest via the credit card.
• Keep in mind that if you don’t redeem your CashPoints within two years of earning them, they will expire.
• This system allows you to enjoy your rewards flexibly, whether by lowering your credit card bill or booking travel and shopping vouchers, all while managing redemption limits for balanced use.
• For more details, the redemption process is easy—once you have accumulated 500 points, you can redeem them via net banking, phone banking, or through the rewards portal.
  

*Please check important Terms and Conditions for CashBack accrual and redemption.

CashPoint validity:
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.

Renewal Offer

Spend ₹1 lakh or more in the preceding 12 months and get renewal membership fee waived off for next year.

ELIGIBILITY

HDFC Bank Millennia Credit Card Eligibility:

FEES & CHARGES

Joining/Renewal Membership Fee – ₹1,000/- + Applicable Taxes

Spend ₹1,00,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off .