By: OurMoneyGuide || Last updated on: May 6, 2024
The HDFC Bank Millennia Credit Card is one of the most popular cashback cards in India.
With this versatile credit card, shoppers can receive great bargains and sizable savings on products from renowned e-commerce platforms like Amazon & Flipkart, and also other well-known partners like Myntra, Tata Cliq, Zomato, Swiggy etc.
Customers also get other benefits like milestone benefits, fuel surcharge waivers, and attractive dining promotions.
Best for those who like to shop & spend online, at popular online marketplaces like Amazon & Flipkart, and also Myntra, Tata Cliq, Zomato, Swiggy, Uber, BookMyShow, Sony LIV and Cult.fit. You get 5% cashback at these well-known merchants, though this 5% special cashback is given only on total monthly purchases upto ₹20,000 across these merchants.
You also get upto 1% amilestone benefit at quarterly card spend of ₹1 lakh, through the milestone program.
The annual spend target of ₹1 lakh to get an annual fee waiver (from 2nd year onwards) is not very high. Moreover the 1st year annual fee is covered by the welcome offer worth ₹1,000.
You earn 5 CashPoints worth ₹5, on every ₹100 you spend at these partners. This benefit is applicable only on purchases upto ₹20,000 per month, since the monthly limit on earning CashPoints at this special rate is 1000 CashPoints.
1 CashPoint = ₹1, and can be redeemed for cashback against your credit card statement. CashPoints are valid for 2 years. CashPoints are available for redemption on your credit card account in the first week of every month, for all transactions settled in the previous month. The minimum CashPoint balance required for redemption is 500 CashPoints. Reward points redemption for cashback redemption are capped to 3000 rewards points per calendar month.
Please note :
– 5% cashback is valid only for non-EMI spends at these partners. EMI transactions (at merchant location) & wallet loads at these merchants will be considered under the 1% basic cashback category.
– All gift card/ prepaid card loads & voucher purchase transactions are considered under the 1% basic cashback category.
CashPoints can also be redeemed against travel benefits and rewards catalogues at the rate of 1 CashPoint = ₹0.30. But this is a much lower value compared to 1 CashPoint = ₹1, when you redeem CashPoints for cashback.
You earn ₹1 CashPoint worth ₹1, on every ₹100 you spend on all other cards purchases. This benefit is applicable only on purchases upto ₹1 lakh per month, since the monthly limit on earning CashPoints at this special rate is 1000 CashPoints.
1 CashPoint = ₹1, and can be redeemed for cashback against your credit card statement. CashPoints are valid for 2 years. CashPoints are available for redemption on your credit card account in the first week of every month, for all transactions settled in the previous month. The minimum CashPoint balance required for redemption is 500 CashPoints.
Exceptions : No cashback is given on fuel purchases, rent payments, government-related transactions, post facto EMI transactions.
For full list of terms and conditions, please click here – HDFC Millenia Terms & Conditions
At quarterly card spend of ₹1 lakh: You get gift vouchers (of different brands) worth ₹1000, OR a Dreamsfolks lounge access voucher. You can choose any one of these 2 options, on reaching ₹1 lakh quarterly card spend.
This offer is valid 2 times per month. Minimum order amount required to avail this offer is ₹2000. Payments need to be made through the Swiggy app.
You get 7.50% discount (upto ₹250 per order) at restaurants. Hence you get a 7.50% discount on orders between ₹2000 and ₹3333. On orders above ₹3333, your discount percentage will fall below 7.50%.
For more details, including how to avail the offer, please click here – HDFC Swiggy Dineout Dining Program.
You get 1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹5000 only. And on fuel purchases upto ₹25,000 per month, since the maximum waiver is restricted to ₹250 per monthly card statement cycle.
HDFC Smartbuy is a platform which display’s HDFC Bank’s exclusive partnerships, with a variety of partners. You get 5% – 10% cashback on various categories and at various partners, please see details in the table below.
You get a a maximum cashback of ₹1000 per month. For example, if you shop only in the 5% shopping categories/partners, you shall get 5% cashback on total card purchases of ₹20,000 per month.
| Applicable categories and partners | |
|---|---|
| 5% cashback on travel spends, through HDFC Smartbuy | ✓ Flight bookings ✓ Hotel bookings ✓ IRCTC train tickets ✓ Bus tickets, through RedBus ✓ MakeMyTrip holiday packages |
| 5% cashback on gift voucher purchases, through HDFC Smartbuy | Gift vouchers usually include Amazon Pay, Flipkart, Amazon shopping and more. There maybe individual limits on certain gift vouchers, and/or processing charges on certain gift vouchers, for example Amazon Pay vouchers. To see latest details, and a list of all gift vouchers available, please click here. |
| 5% cashback at select partners, through HDFC Smartbuy | ✓ Myntra ✓ Jockey ✓ Apple Imagine Tresor ✓ Nykaa ✓ Zoom Car |
| 10% cashback at select partners, through HDFC Smartbuy | ✓ Pharmeasy ✓ IGP.com |
Your bank is always available, please click here for all the options to contact the bank.
In the unfortunate event of you losing your HDFC Millennia Credit Card, report it immediately to the 24-hour call centre. After reporting the loss, you have zero liability on any fraudulent transactions made on your Credit Card.
In India, contactless payments are allowed for a maximum of ₹5000 for a single transaction without requiring a credit card PIN. For transactions equal to or higher than ₹5000, the cardholder must input their credit card PIN for security reasons.
| Annual fee | Annual fee offers | |
|---|---|---|
| 1st year joining fee | ₹1000 | Welcome offer : – You get vouchers worth ₹1000 , on payment of the joining fee. – Additionally, customers also get a limited period joining offer worth ₹1500 (in the form of Amazon vouchers) when applying for the card online. |
| Renewal fee from 2nd year onwards | ₹1000 | Renewal offer : Annual fee from the 2nd year onwards is not charged, if you spend ₹ 1 lakh or more in the previous year. Hence the card is virtually free if you spend ₹1 lakh or more each year |
– GST/ other applicable taxes as per current laws, will be applicable on all fees and charges
– To view all/updated fees & charges on this card, please click here – HDFC Millenia Credit Card Charges
Although your credit card eligibility is based on multiple parameters which can be assessed once you apply for an HDFC Millennia Credit Card, there are certain basic criteria that all applicants must fulfil.
| Minimum age | 21 years |
| Maximum age | 40 years |
| Minimum income requirement | Salaried : ₹35,000 Self-employed : ₹6 lakhs per year |
| Credit score | Not specified, a minimum credit score of 750 is generally preferred |
| Online application process | The easiest way is to click here – APPLY NOW , you will be taken to the card application page on the HDFC Bank website. You can also visit official website of the bank and fill out the application form. Steps : – The bank’s website and mobile app offer a user-friendly interface that makes the application process quick and easy. – To apply, simply provide your personal details, such as your mobile phone number, income, and PAN number, along with the required documents. – Submit the required documents |
| Offline (face to face) application process | You can visit any of the nearest branches of the bank and talk to an executive regarding the process. |
| Whatsapp Banking | You can also apply for your card through HDFC Whatsapp Banking. Here are the steps to apply for an HDFC credit card through WhatsApp banking: 1. Save the Chat Banking number 7070022222 (HDFC Bank WhatsApp number) in your contacts 2. Send “Hi” 3. Choose the desired option OR simply type your query, for example – “Apply for Credit Card” 4. Apply and wait for further instructions or updates on your card application status. |
| Tracking your application status | – Click here to track the status of your HDFC Bank Credit Card application. – You can also check the status of your application through Chat with EVA. Simply ask the chatbot to help you track your credit card applications and follow its instructions. |
| Required documents | – PAN card copy – Identity proof : PAN card , driving license, valid passport, voter ID (any one) – Address proof : electricity bill, phone bill (not more than 2 months old), driving licence, passport, ration card, bank statement, passbook (not older than 3 months), voters ID, flat maintenance bill (not older than 2 months), rent agreement (any one) – Income proof : latest salary slip/s, income tax return etc You maybe required to provide additional documents, on a case-to-case basis. |
Overall, HDFC Millennia Credit Card provides very good cashback benefits for online shoppers. It offers 5% cashback on popular platforms such as Amazon, Flipkart, Zomato & Swiggy, BookMyShow, Cult.fit and more, plus a 1% all-around cashback rate on every purchase.
Additionally, the card offers a milestone benefits program, and an attractive dining program with Swiggy Dineout.
All considered, HDFC Millenia is a good fit for those who make a lots of online purchases and enjoy entertainment experiences.
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