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HDFC Bank Millennia Credit Card – Review, Details, Offers, Benefits

HDFC Millennia is a lifestyle credit card by HDFC Bank that provides many discounts at very low annual fees. Also the eligibility criteria is also reasonable.

HDFC Millennia Credit card Benefits


Cashback Offers

    • 5% CashBack on Amazon, Flipkart, Flight & Hotel bookings on shopping via PayZapp and SmartBuy (minimum transaction size of ₹2000, Max ₹1000 CashBack per calendar month in first 6 months, Max ₹ 750 CashBack post 6 months from card issuance)
    • 2.5% CashBack on all online spends (minimum transaction size of ₹2000, maximum CashBack = ₹750 / calendar month)
    • 1% CashBack on all offline spends and Wallet reloads (Minimum transaction size of ₹100, maximum CashBack = ₹750 / calendar month)

Complimentary Airport Lounge Access (Domestic)

8 Complimentary Domestic Lounge Access per calendar year (2 in a quarter. ₹2 will be charged per swipe on your Millennia credit Card towards Lounge access )                                      

      • For MasterCard Lounge Program Click here
      • For Visa Lounge Program Click here
      • Diners Club International Lounge Program (2 in a quarter. ₹2 will be charged per swipe on your Millennia credit Card towards Lounge access ) 

Dining Benefit: Enjoy amazing dining benefits with Good Food Trail program (T&C)

You can get complimentary Dineout passport membership (one City – Quartrly) based on quarterly spend. 

        • Assured flat 25% off at 2000+ premium restaurants
        • 1+1 on buffet at 200+ restaurants
        • 1+1 on Food / Drinks on select restaurants
        • Zero convenience fee
        • Early access to events and festivals such as GIRF

Get upto 20% off on all your bill payments via Dineout Pay (10k + restaurants)

See full details of HDFC DineOut Passport offer and DineOut pay discount details.


Fuel fees Waiver:

1% fuel surcharge waiver at all fuel stations across India 
(on minimum trasaction of ₹400. Max CashBack of ₹250 per statement cycle)

Rewards Collection


You will get cashback on this credit card

    • 5% CashBack on Amazon, Flipkart, Flight & Hotel bookings on shopping via PayZapp and SmartBuy (minimum transaction size of ₹2000, Max ₹1000 CashBack per calendar month in first 6 months, Max ₹ 750 CashBack post 6 months from card issuance)
    • 2.5% CashBack on all online spends (minimum transaction size of ₹2000, maximum CashBack = ₹750 / calendar month)
    • 1% CashBack on all offline spends and Wallet reloads (Minimum transaction size of ₹100, maximum CashBack = ₹750 / calendar month)

Other Offers:

  • ₹1000 worth gift vouchers on spends of ₹1,00,000 and above in each calendar quarter, for the first year only.
  • Spend ₹30000 & above in the first 90 days and get first year memebership fee waived off.
  • Welcome Benefit – 1000 Cash Points : (applicable only on payment of membership fee)

Rewards Redemption


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

    • The redemption against the statement balance will be at the rate of 1 CashPoint = ₹1
    • The minimum CashPoint balance required for redemption against the statement balance is 2500 CashPoints.
    • CashPoints can also be used for redemption against travel benefits like Flight & Hotel bookings and Rewards Catalogue at the SmartBuy Rewards Portal, at a value of 1 CashPoint = Upto ₹0.30.
    • Unredeemed CashPoints will expire/lapse within 1 year of accumulation
    • Flights and Hotels redemption information, Credit Card members can redeem up to a maximum of 50% of the booking value through Reward Points. Rest of the transaction amount will have to be paid via the Credit Card limit
    • Redeem CashPoints at the conversion rate of 1 CashPoint = ₹0.30

The best option is that you redeem the cashpoint against the credit card balance.

HDFC Millennia Card Eligibility :  


Eligibility for HDFC Bank Millenia Card is reasonable.

  • For Salaried :  Gross Monthly Income> ₹25,000
  • For Self Employed : Income: ITR > ₹6.0 Lakhs per annum

Fees


  • Joining / Annual renewal membership fee is Rs 1,000+GST. 
  • Renewal membership fee waived off by spending ₹1,00,000 and above in the first year
Summary

This card is a good entry level card (as eligibility is only Rs 25000 monthly income) and offers 5% cashback on Smartbuy, 2.5% cashback on online spend & 1% cashback on offline spend. 

 

Also Read:   InterMiles HDFC Bank Diners Club Credit Card

Also Read:   HDFC Bank Freedom Credit Card – Review, Details, Offers, Benefits

There are many credit cards offered by HDFC bank with different features including discount on movies, groceries, dining as well as air travel and hotels, free international and domestic lounge access. Some of the cards offers redemption rewards equivalent to 13%-33% cashback, that’s pretty amazing. See list of all credit cards offered by HDFC Bank and check which one you should go for.

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