The HDFC Millennia Credit Card is perfect for today’s fast-paced lifestyle, blending cashback and perks to make every spend more rewarding. You’ll enjoy up to 5% cashback on popular platforms like Amazon, Flipkart, and Myntra, and 1% cashback on all your other purchases. Relax with complimentary access to airport lounge.
HDFC Millennia Credit Card Overview
| Category | Details |
|---|---|
|
Type of Card |
Cashback Card |
|
Annual Fee |
₹1,000+ GST |
|
Reward Rate |
1%-5% |
|
USP |
5% Cashback on Amazon, Flipkart, and Myntra and many other platforms |
|
Best Use For |
Spends of above ₹1 lakh Quarterly |
Joining & Renewal Fees
The HDFC Millennia Credit Card comes with an annual fee, justified by its cashback points and many other exciting benefits.
| Category | Details |
|---|---|
|
Joining Fee |
₹1,000+ GST |
|
Joining Benefit |
1,000 rewards (worth ₹1000) |
|
Welcome Benefit Criteria |
Make the payment of membership Fees. |
|
Renewal Fees |
₹1,000+ GST |
|
Renewal Benefit |
1,000 rewards (worth ₹1000) |
|
Renewal Waiver |
Spend ₹1 lakh or more in the preceding 12 months and get the renewal membership fee waived for next year. |
Cashback Points Earning Potential
Milestone Benefit
You earn ₹1,000 worth of gift vouchers when your total spends reach ₹1,00,000 or more in a calendar quarter.
Cashback Redemption
This card offers various redemption value at different segments.
| Type | Value of 1 Reward point |
|---|---|
|
Product Catalogue |
upto 0.30 |
|
Unified SmartBuy (Flights/Hotels) |
0.3 |
|
Cashback |
1 |
|
Airmiles |
0.3 Airmiles |
Design & Appearance
The HDFC Millennia Credit Card is issued on multiple networks variant including Visa, Mastercard, and Diners Club. It is available in vibrant colour gradients, which enhances its visual appeal and aligns with current trends favoured by younger consumers.
Airport Lounge Access
| Benefit | Domestic |
|---|---|
|
Lounge Visits |
4 |
|
Quarterly Limits |
1 |
This Card has a unique way of giving out lounge access. You have to qualify for lounge access by spending ₹1 lakh or more in a calendar quarter. Upon meeting the spending requirement, cardholders will receive an SMS with a link to generate a lounge access voucher through the Millennia Milestone page. This voucher can be used for one complimentary lounge visit per quarter.
This card does not provide access to international lounges, limiting its lounge benefits to domestic airports only.
Foreign Currency Transaction Fee (Forex)
The HDFC Millennia Credit card charges a 3.5% fee+ G.S.T on foreign currency transactions.
Eligibility and Application
The card is available to individuals with a monthly Salary of ₹ 35,000 and for self-employed, who have an annual income of at least ₹ 6 lakh as per your ITR with good credit score.
Fuel Surcharge Waiver
The card provides a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 maximum waiver amount is capped at ₹250 per statement cycle.
Add-On Cards
The HDFC Millennia Credit Card allows cardholders to avail add-on cards. These add-on cards share the same benefits as the primary card, making it easier for family members to enjoy the perks.
Golf Benefits
This card does not provide Golf Benefit
Magnify Rating
Frequently Asked Questions
You will receive 1000 points after paying joining fees of the credit card
The maximum reward rate can be achieved by spending Rs. 100000 per quarter.
Rent payments made through this credit card are not eligible for any reward points.
The annual fee is ₹1000+ GST.
Conclusion
The HDFC Millennia Credit Card is a solid option for those seeking a cashback card with a range of benefits. It offers up to 5% cashback on selected online merchants and quarterly milestone rewards. This card is ideal for individuals with quarterly spending of upto 1L.