New HDFC Bank Millennia Credit Card

HDFC Millennia Credit Card Review

HDFC Millennia Credit Card by HDFC Bank loves online shoppers! Get real cash back, not points, on Amazon, Flipkart, Swiggy & more. Plus, score free airport lounge access and bonus vouchers! But there’s a yearly fee, so make sure you shop enough to benefit.

HDFC Bank Millennia Credit Card Benefits

Welcome Benefit

  • Simply Get up to 1000 Reward Points for start to using the Card.
  • Receive a gift voucher equivalent to the fee amount.
  • Offer valid only when paying the joining fee.

Fuel Surcharge Waiver

  • Get Up to 1% fuel surcharge waiver at all fuel stations in India.
  • Applicable on transactions between ₹400 and ₹5,000.
  • Maximum waiver capped at ₹250 per statement cycle.
  • Enjoy savings on fuel expenses with each transaction.

Airport Lounge Access

  • New Update on December 1, 2023
  • Complimentary lounge access is no longer available.
  • Lounge access is now linked to the quarterly spending milestone program.
  • Spend Rs. 1 lakh or more in a calendar quarter to qualify.
  • Choose between a Rs. 1000 voucher or Dreamfolks airport lounge access.
  • Voucher sent via SMS/email with code and QR code.
  • Valid for 3 months for primary and add-on cardholders.
  • List of Airport lounge access in India. 1CHANGE IN LOUNGE ACCESS List of lounge access Website: HDFC Bank Category: PDF

Milestone Benefits

  • Receive ₹1000 gift vouchers for spending ₹1,00,000 or more each calendar quarter.

Annual Fee Waiver

  • Spend ₹1 lakh or more in the preceding 12 months to waive the renewal membership fee.

Additional Features

Dining Discounts

  • Get the benefit of up to 20% discount at partner restaurants through Swiggy Dineout.

Zero Liability

  • Report lost a card to the 24-hour call centre for zero liability on fraudulent transactions.

Interest-Free Period

  • Get up to 50 days interest-free period on purchases, subject to merchant submission.

Revolving Credit

  • Access revolving credit at a nominal interest rate.

Exclusive Dining Privileges

  • Benefit from dining perks with the Good Food Trail program.

Smart EMI

  • The Cardholder anytime convert their Big Purchases into Small Monthly 3 to 36 months EMI.

Set Card Control

Contactless Payment

  • A convenient method for transactions at offline stores.
  • No need to input your 4-digit PIN for transactions under ₹5000.
  • Transactions above ₹5000 require PIN input for security.
  • Follows Reserve Bank of India rules and regulations.

Cashback Reward Points

  • Get up to 5% cash back when you shop online at popular stores like Amazon, Flipkart, Myntra, and Tata CLiQ.
  • Book movie tickets, order cabs, or get food delivered with Swiggy and Zomato and earn cash back too!
  • Even services like Cult.fit and Sony LIV offer cashback rewards with this card.
  • Pay for your monthly bills or make EMI payments? You get 1% cashback on those too.
  • Use your card at most stores and retailers (except fuel stations) and earn 1% cashback on everything you buy.

How to Redeem HDFC Millennia Cashback Points

  1. Log in to HDFC Bank Net Banking.
  2. Go to the rewards section.
  3. Find cashback points redemption.
  4. Choose a redemption option (statement credit, travel, etc.).
  5. Enter cashback points to redeem.
  6. Confirm and complete redemption.
  7. Benefits reflect in the account shortly.
  8. Ensure minimum points for redemption.
  9. Redeem from home for convenience.
  10. Enjoy HDFC Millennia Credit Card rewards!

Terms And Conditions of Reward Points

  1. Minimum of 500 cashback points for redemption.
  2. Redeem against your statement balance or as travel benefits.
  3. 1 cashback point = ₹1 for statement balance.
  4. travel benefits at a rate of ₹0.30
  5. used to book flights, hotels, and other travel services.
  6. redeem up to 50% of cashback for flights and hotel bookings
  7. The remaining amount must be paid using the credit card limit.
  8. The Validity of your Cashback point is 2 Years.

Charges

ApplicableOverview
Annual Charges₹1,000 2key fact statement cum most important terms & conditions Website: HDFC Bank Category: PDF
Joining Charges₹1,000
Interest Rates3.6% Per Month, which will be 43.2% Per Year
Late Payment FeeThe fee Will Be ₹100 To ₹1,300 Charges As per the Total Due Payment
Add-on cardsFree
GST Appicable
Rewards redemptionThrough Internet Banking or Smart Buy App

Eligibility Criteria

  1. Indian citizenship is mandatory.
  2. Age range: 21 to 40 years.
  3. Minimum credit score required: 750.
  4. Salaried applicants must earn at least ₹35,000 per month.
  5. Self-employed applicants should have a minimum annual income or ITR of ₹6 lakh.
  6. Both salaried and self-employed individuals are eligible.
  7. Credit Card Eligibility Checker

Document Required

ProofExamples
Proof of IdentityAadhaar Card, Passport, Voter ID Card, etc
Proof of AddressUtility Bills, Aadhaar Card, Bank Statement, etc
Proof of IncomeSalary Slips, Income Tax Returns, etc
Passport-size PhotosRecent a color photographs
Application FormDuly filled and signed application form
Additional DocumentsAny other documents specified by the bank

How to Apply HDFC Millennia Credit Card Online

  1. Check if you’re eligible: Head to HDFC Bank’s website and browse the eligibility details for the Millennia Card. This will help you know if you qualify beforehand.
  2. Apply online: Go to the credit card application page on HDFC Bank’s website. Look for the “Millennia Credit Card” option and choose it.
  3. Fill out the application: Complete the online form with your details. Be careful to enter everything accurately! Double-check everything before submitting.
  4. Faster verification (optional): For a quicker and paperless process, opt for Aadhaar-based eKYC during the application.
  5. Video KYC (optional): If you chose eKYC, HDFC Bank will send you a link for a video call to verify your identity. Keep your PAN card handy and find a well-lit space for the call. A bank representative will chat with you and confirm your documents.
  6. Approval and Dispatch: HDFC Bank will let you know about your application status via email or SMS. If approved, you’ll get confirmation and your new credit card will be mailed to your registered address.
  7. Activate and Use: Once you receive the card, follow the provided instructions to activate it. Set a PIN for secure transactions and start using your HDFC Millennia Credit Card for your purchases!pen_sparktunesharemore_vert

Article References

Nanne Parmar
Pricemint
Logo