The Hdfc Millennia Credit Card is a CashBack Credit Card offered by the HDFC Bank, which comes with numerous benefits. When a customer uses HDFC Millenia credit card via PayZapp or Smartbuy for shopping on Amazon, Flipkart, flights, and hotel bookings, they are eligible to receive 5% cashback. However, the transaction amount should be more or equivalent to Rs. 2,000. You may receive Rs 1,000 cashback within six months of one calendar year.

Additionally, you are eligible to receive 2.5% cashback on various online purchases, but the transaction amount should be more or equivalent to Rs. 2,000. You may receive Rs 750 as cashback in a calendar month. Moreover, you will receive a cashback of 1% on your offline spending and wallet reloads. However, the transaction should be more or equivalent to Rs 100.

HDFC Millennia Credit Card: Additional features

If you lose your card, inform the bank within 24 hours to save yourself from paying interest on fraudulent activity. You will have 50 days to pay your interest from your purchasing date. You can buy your HDFC Millenia Credit Card at a nominal interest rate.

You will receive eight complimentary domestic lounge access in a calendar year and two every quarter (three months). However, you will be charged Rupees 2 on every swipe that will go towards the accessibility facilities of the lounge. You can access the Diner Club International Lounge program under the same terms and conditions.

HDFC Millennia Credit Card: Other Benefits

When you purchase a fuel worth Rs. 400, you will receive a fuel surcharge waiver of 1% across India. If you spend above Rs. 1,00,000 each calendar quarter, you will receive gift vouchers worth Rs. 1,000. You will also receive 1,000 cashback points as a welcome gift. You can escape the first-year membership fee by spending above or equivalent to Rs. 30,000 in the 90 days. Similarly, your member renewal fee can be waived off by spending above Rs. 1,00,00 in the first calendar year.

If you spend a huge amount from your HDFC Bank Millenia Credit Card, you can convert your credit payment into EMI (equated monthly instalment). Moreover, you can still enjoy all cashback benefits after converting your purchases into EMI. HDFC Bank Millenia Credit card also comes with contactless payment facilities. Contactless payment facilities make your spending experiences fast, convenient, and secure. Look for the contactless payment symbol at the EPOS before making your payment. 

To use the contactless payment option in India, your purchasing amount should not be above Rs. 5,000. If your payment is equivalent to or above Rs. 5,000, you need to enter your pin to make the payment. 

See also: All you need to know about HDFC credit card bill payment

HDFC Millennia Credit Card: Cashback and reward point system

You will receive cashback as a cash point and can redeem these points against the statement balance. Some details about this system are given below.

• One cashpoint equals Rs. 1
• The minimum cash point balance for redemption is 2,500
• Cashpoint redemption against travel benefits (flight and hotel booking) and SmartBuy reward portal is one cashpoint equivalent to Rs 0.30
• The validity of cashpoint is one year
• Cashpoint can redeem a maximum of 50% of the hotel and flight cost. The remaining amount needs to be paid via your credit card
• The conversion rate of your redeemed cashpoint is Rs. 0.30

What is the eligibility to apply for HDFC Bank Millennia Credit Card?

For salaried person

Resident identity: Indian

Person’s age: Above 21 and below 40 years 

Person’s income: Gross monthly income should be above or equivalent to Rs 35,000

For self employed

Resident identity: Indian

Person’s age: Above 21 and below 40 years

Person’s income: ITR above Rs 6,00,000 per annum

See also: All about HDFC credit card eligibility and features

Documents required while applying for HDFC Bank Millennia Credit Card

Identity proof

• Driving licence
• Aadhaar card
• Passport

Address proof

• Ration card
• Voter ID card
• Passport
• Aadhaar card

Income proof

• Salary slip
• Form 16
• IT returns

What is the cost to apply for the HDFC Bank Millennia Credit Card?

Joining or renewal fee: Rs 1000 plus taxes

Cash advance fees: 2.5%

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