The Millennia credit card is one of the most sought-after cards from HDFC Bank, majorly due to the offers and benefits the card comes with. This HDFC card is available for a membership fee of Rs.1,000 plus applicable taxes for the first year and Rs.1,000 plus applicable taxes of renewal membership fee. You can get a waiver on your renewal fee for the next renewal year if you spend Rs.1 lakh in 1 year.
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HDFC Bank Millenia Credit Card
1st Year Fee
Reduced to0On completing 2 transactions in a month for first 3 consecutive months1000
Key Features of the HDFC Bank Millenia Credit Card
Cashback of 2.5% on all online purchases (on minimum purchase of Rs.2,000).
5% cashback on Flipkart, Amazon, and flight & hotel bookings done via SmartBuy and PayZapp.
1% cashback on all offline purchases and wallet reloads (minimum purchase of Rs.100)
1% waiver on fuel surcharge. The maximum waiver allotted is Rs.250 per month.
8 domestic lounge visits per year are provided on a complimentary basis.
Features and Benefits of HDFC Bank Millenia Credit Card
You will receive gift vouchers worth Rs.1,000 if you spend Rs.1 lakh and above in each calendar quarter during the first year only.
If you make a transaction of Rs.30,000 and above in the first 90 days, your membership fees for the first year will be waived off.
When you pay your membership fee, you will get a renewal benefit or a welcome benefit of 1,000 CashPoints.
You will get a waiver on your renewal membership fee if you spend Rs.1 lakh and above in the first year.
Earn cash points worth up to Rs.2,250 per month.
You can get a cashback of up to 5% on all your purchases or accumulate and redeem the cashback as CashPoints.
Cashback can be earned by the below-given ways:
If you make payment for your shopping via SmartBuy and PayZapp for at least Rs.2,000, you can earn a cashback of 5% or Rs.750 per month. The maximum cashback given is Rs.1,000 per month for the initial 6 months from the card issue date.
Get a cashback of 2.5% and a maximum of Rs.750 per month provided the transaction amount is Rs.2,000. This is available for online spends.
All your offline purchases, wallet reloads, purchases through point-of-sale, etc., can earn you cashback of 1% on minimum purchase of Rs.100. The maximum cashback offered is Rs.750.
EMI transactions are also eligible for cashback benefits.
If you make a transaction of at least Rs.400 on your HDFC Bank Millenia Credit Card, you can get a waiver of 1% on fuel surcharge. The maximum cashback you can earn per statement cycle is Rs.250.
You can avail discounts at premium restaurants across cities through the Good Food Trail Dining program.
You can get airport lounge access for 8 visits per calendar year at a charge of Rs.2 on the card. You will need to swipe the credit card to avail lounge access.
Contactless Payment Technology
For transactions below Rs.2,000, you can take advantage of the contactless technology which means you need not enter the Personal Identification Number (PIN). This facilitates convenient, swift, and secure payments at merchant outlets.
How to redeem cashback
The cashback that you earn can be accumulated and redeemed as CashPoints against the statement balance.
One CashPoint will be equivalent to Re.1 and you will need to accumulate at least 2,500 CashPoints to redeem it.
CashPoints can be redeemed only in multiples of Rs.500.
You can redeem your CashPoints against Rewards Catalogue, flight and hotel bookings, at a value of 1 CashPoint = Rs.0.30.
The CashPoints must be redeemed before 1 year of accumulation.
The list mentioned above is indicative. The bank may ask for additional documents as and when required during the application procedure.
FAQs on HDFC Bank Millenia Credit Card
I have applied for a Millenia Credit Card. How do I check the status of my application?
To check the status of your Millenia Credit Card application, you will need to click on the link - https://www.hdfcbank.com/personal/credit_card/cc_track and enter your 16-digit application reference number and your mobile number or date of birth. Once you enter the requested details, the status of your credit card application will be displayed to you.
Will I get cashback benefits if I have made purchases on equated monthly installments (EMIs)?
Yes. All EMI transactions done using the HDFC Millenia Credit Card are eligible for cashback benefits.
What happens if I do not redeem my CashPoints?
Your CashPoints will expire if you do not redeem it within 1 year of collection and hence, it is recommended that you use the points before that.
Can I use the HDFC Bank Millenia Credit Card to withdraw cash?
Yes, you can use the Millenia Credit Card to withdraw cash from any ATM, but you will be charged a transaction fee of 2.5% on the amount withdrawn. This fee will reflect in your next credit card statement.
What should I do if I lose my credit card?
If your credit card has been stolen or lost, you should immediately call the HDFC Credit Cards Customer Service and report the lost/stolen card. You can also do the same by logging in to HDFC net banking account.
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I have been using HDFC Bank Millennia credit card more than 7- 8 years. I am getting 2 international and 8 domestic airport lounge access and i have utilized that recently. Credit limit is Rs. 2.26L apart from this i am using this card for utility bill payment scheduled bill and for groceries. Initially i have titanium card after regalia this card has been upgraded recently.I feel the rate of interest was so high.