HDFC Millennia Credit Card Review – Benefits, Limit, Charges

HDFC Millennia Credit Card Review

HDFC Bank Millennia Credit Card Review – As per its name, it is especially for millennials. It is one of the best cashback-based cards for individuals. if you love shopping and want to add value to your everyday purchasing. it could be beneficial for you.

it comes with plenty of benefits and features such as cashback, Gift E-Vouchers, Welcome Gifts, And Free Domestic Lounge Access. However, The main reason for its popularity is 5% Real Cashback on Shopping from Popular Online Stores. For instance, Flipkart, Amazon, Myntra, Tata CLiQ, Uber, Zomato, Sony LIV, Swiggy, BookMyShow, And Cult.fit.

It offers Milestones too, you can get up to ₹1000 Gift E-Vouchers As Milestone Rewards on Purchasing 1 Lakh And Up On each calendar quarter by using this Credit Card.

Furthermore, it also offers additional HDFC Bank Features such as Zero Lost Card Liability, Revolving Credit, Exclusive Dining Concessions, Total 50 Days Interest-Free Credit Period. and 24/7 Customer Care Support.

As I Already Said, it’s for all millennials. who love cashback. Salaried And Self-Employed Persons both can get this card. A Good Credit Score And Stable income Must be Required. All you need to do is just Fill out the application to get this card through the HDFC Bank Official Website.

Through this Article, we are going to share with you the complete HDFC Millennia Credit Card Review. we hope you will find your queries answered such as Millennia Credit Card Charges, Benefits, Features, Gifts, And limits.

The benefits And Review of HDFC Bank Millennia Credit Card

Table of Content

HDFC Bank Millennia Credit Card Quick Review & Highlight Factors

HDFC Millennia Credit Card Review
PointsHDFC Millennia Credit Card Quick Review
Credit Card TypeCashBack Based Entry-Level New Card
Best SuitableOnline Shopping Lovers, Salaried Applicants, Self-Employed
Card Benefits &
Features
– Great Cashback Upto 5% On Popular Selected Online Stores
– 1000 Cash Points As a Welcome Gift
– Smart EMI Benefits to Convert your purchases into Monthly Emi
– 1% fuel surcharge waiver benefits on all fuel stations in India
– 8 Free of cost Domestic Indian Airport Lounge Access per calendar year (Select Cities in India)
– 20% Discount on partner restaurants (Use Dineout to Get Offer)
Cash Backs– Upto 5% Great Cashbacks On Amazon India, Flipkart, Myntra, Tata CLiQ, Uber, Zomato, Sony LIV, Swiggy, BookMyShow, And Cult.fit.
– on All Additional Purchases You can get Upto 1% Cashbacks Including EMI Spends, Wallet Loading, However, not including fuel purchases
Milestone ₹1000 E-Vouchers As A Milestone Gift on Spending 1 Lakh And Up On each calendar quarter
Renewal OfferYou will have to spend ₹1 lakh or Above in the preceding 12 months to be eligible for this Renewal Fee Waiver Offer benefit.

What Are The HDFC Bank Millennia Credit Card Offers And Benefits

HDFC Millennia Credit Card Review
image actual owner is HDFC BANK

HDFC Millennia Credit Card Review – This is a completely new Features Based Cashback Type Millennia Card By HDFC Bank. it comes with upgraded features and benefits. As a Welcome Benefit or Gift, it provides 1000 Cash Back Points as Gift. it works like magic and provides a Fantastic percentage rate of cash back of upto 5% on shopping from Upto 10 popular Indian online stores And Sites.

It allows you to get upto 5% cash back on Online Shopping, Booking Movie Tickets, Ordering a Cab, Food Ordering, And More. below we mention the list of popular E-Stores where you can use this card and get Cashbacks on Shopping.

  1. Amazon India
  2. BookMyShow
  3. Cult fit
  4. Flipkart
  5. Myntra
  6. Sony LIV
  7. Swiggy
  8. Tata CLiQ
  9. Uber
  10. Zomato

In Addition, it also provides 1% Cashback Points on EMI Purchasing and E-Wallet Loading, moreover, on your other offline and online shopping, the Millennia card offers upto 1% of cashback on all spends. except refueling.

As A Milestone gift, it allows the cardholders to earn More than ₹1000 worth of gift vouchers on all spending 1 lakh or More per calendar quarter. it also comes with Complimentary Indian lounge access, this card offers upto 8 Absoultely Indian Airport Lounge Access per calendar year.

On Refueling Waiver, it provides a 1% fuel surcharge waiver on all Indian refueling Stations. However, It is only eligible on a minimum transaction of ₹400 and a maximum ₹5,000. waiver of ₹250 per statement cycle period.

The Joining/Renewal Membership Fee of This New Millennia card is 1000 rs.

Discounts And Cashback

GiftsExplanation
Contactless Paymentit comes with a Contactless Payment method, which allows doing your transactions on all Offline Stores without inputting your 4 Digit Secret PIN Number. As per Reserve Bank of India Rules And Regulations, The maximum limit is ₹5000 for a single transaction. if your bill is higher than ₹5000 you must have to Input your Secret 4 Digit PIN To Done Your Transaction.
Restaurant Dining BenefitsAs a Restaurant Dining Benefits, it allows the cardholder to get Upto 20% Instant Discount on partner Premium restaurants via Dineout App
Offline Cash Back1% Cashback on all other Offline Purchasing via using the Card. However, except for Fuel
Airport Lounge AccessTotal 8 Complimentary Domestic Airport Lounge Access.

Short List of Card Features (HDFC Millennia Credit Card Review)

Additional FeaturesDescription (Details)
Milestone Benefitworth Up to ₹1000 E-gift vouchers As a Bonus
Smart EMIYes, The Primary CardHolder anytime convert their Big Purchases into Small Monthly EMI
Set Card Control
Use MyCard to Set Your Credit Card Controls of your All HDFC Cards

How to Use Reward Points Redemption

To redeem Your Earned Cashback points, you must have a minimum of cashback points up to 500. After that, you can redeem your cash-back points against the statement balance Or you can redeem them as a travel benefit like Flight & Hotel bookings, and Rewards Catalogue By Using Smart Buy App. However, On Flights and Hotels redemption, The cardholder can redeem up to a maximum of 50% of cashback, and the Rest of the Booking amount will you have to pay by using the credit card limit.

below, we mentioned all cashback points values.

  • Statement balance – 1 CashPoint = ₹1
  • Smart Buy App (Travel Benefits) – 1 CashPoint = ₹0.30
  • 1 CashPoint = ₹0.30

You can Redeem Your Cash Back Points Through HDFC Bank Net Banking by using any internet Web Browser, or you can download Smart Buy App through App Store And Google Play Store.

Note – The Validity of your Each Cashback point is 2 Years Last.

What Are Card Charges and Fees

List of ChargesOverview
Welcome Benefits1000 Bonus Welcome Benefits (Only those Who Pay the Membership Fee)
Annual Fees on The Card₹1,000 And All Required Taxes
– (As a Renewal Offer, The primary cardholder can Get the membership fee waived off benefit by Purchasing ₹1 lakh or Above) 
Joining Charges₹1,000
Finance Fees(Interest) 3.6% Per Month, which will be 43.2% Per Year
Late Payment FeeThe fee Will Be ₹100 To ₹1300 Charges As per the Total Due Payment
Add-on cardsFree
Rewards redemptionThrough Internet Banking or Smart Buy App
Reward Validity2 Year Last

What Are the Eligibility Criteria For Millennia Credit Card HDFC?

To be eligible for the card, the applicant must hold Indian citizenship. Moreover, Your Age must be around in between 21 Years To 40 Years. Additionally, A Great Credit Score of Upto 750 Must be Required and Stable income. However, Both Salaried and Self-Employed (Business Owners) are fully eligible to get this card. below we mention the Minimum Income Required for both Applicants.

Salaried Applicants

Salaried Person Eligibility CriteriaOverview
Your Age Must BeYour age must be 21 to last 40 Years
The minimum Salary Must be ₹35,000 And Above
Credit Score750 And Above

Self-Employed Applicants

Self-Employed Eligibility CriteriaOverview
Your Age Must Be21 to 40 Year
Minimum Annual ITR OR Income₹6 Lakh And Above
Credit Score750 And Above

When You apply for the card, Bank will ask you for a few Documents and Proof to complete the verification for the card. below, we mention all the required documents that the bank may ask of you.

hdfc moneyback plus credit card Eligibility
hdfc Millennia credit card Eligibility

FAQ – HDFC Millennia Credit Card Review

What is HDFC Millennia Credit Card?

HDFC Millennia Credit Card is quite popular for its benefits or cash back points. it holds the position of one of the best cashback-based entry-level credit cards in the market. it adds value to Millennium’s everyday shopping and also allows them to get cash back on each purchase. it is quite beneficial for fuel shopping, online store purchasing, And Lounge Access. Above All, it also offers 1% Cashback on EMI Spending.

What Is the HDFC Bank Millennia Credit Card Customer Care Number?

As per HDFC Bank’s official website, these are 1800 202 6161 & 1860 267 6161 Helpline and customer care communication numbers to solve your queries on loans, EMI, Credit Card, And Related Information.

Other One of The Best Credit Cards By HDFC Bank

ListHDFC Bank Credit Cards List
1HDFC Business Moneyback Credit Card Review – Benefits, Features
2Paytm HDFC Bank Credit Card Review – Charges, Apply
3HDFC Business Regalia Credit Card Review – Benefits, Annual Fee, limit
4HDFC Regalia Credit Card Review – Benefits, Charges, Apply
5MoneyBack Credit Card By HDFC Review – Benefits, charges, Eligibility

We hope you will find your all answers in this HDFC Millennia Credit Card Review. Do share with your friends and family. if you have any queries about Credit Cards, Ask Us to Comment Us.

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