The HDFC Bank Millennia Credit Card is designed to offer you exclusive benefits and cashback opportunities on your everyday purchases. Whether you’re shopping online, dining out, or traveling, this card ensures you get rewarded every step of the way. Let's explore the key features and benefits that make this card a must-have for anyone looking to maximize their savings.
Key Features
5% Cashback: Enjoy 5% cashback on popular platforms like Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, and Zomato.
1% Cashback: Earn 1% cashback on all other spends, excluding fuel, wallet, EMI, and government transactions.
Gift Vouchers: Receive ₹1000 worth of gift vouchers when you spend ₹1,00,000 or more in each calendar quarter.
Dining Discounts: Get up to 20% discount on partner restaurants via Swiggy Dineout.
Additional Features
Zero Lost Card Liability: In case of loss, report it immediately to the 24-hour call center to ensure zero liability on any fraudulent transactions.
Interest-Free Credit Period: Avail up to 50 days of interest-free credit from the date of purchase, subject to merchant charge submission.
Revolving Credit: Benefit from revolving credit at a nominal interest rate. Check the Fees and Charges section for more details.
Exclusive Dining Privileges: Enjoy special dining benefits with the Good Food Trail program, including up to 20% savings on restaurant bills via Swiggy Dineout when paid through the Swiggy app.
Fuel Surcharge Waiver
- 1% Fuel Surcharge Waiver: Available at all fuel stations across India for transactions between ₹400 and ₹5,000. Maximum waiver of ₹250 per statement cycle.
Welcome / Renewal Benefit
Reward Points on Membership Fee: Pay your membership fee and earn reward points equivalent to the fee amount.
Renewal Offer: Spend ₹1 lakh or more in the preceding 12 months and get your renewal membership fee waived off for the next year.
Smart EMI
Convert your big spends into EMI post-purchase with the Smart EMI feature of the HDFC Bank Millennia Credit Card. Learn more about this option here.
Contactless Payment
The HDFC Bank Millennia Credit Card supports contactless payments, making transactions faster, more convenient, and secure at retail outlets. Look for the contactless symbol on your card to take advantage of this feature. Note that in India, transactions up to ₹5000 can be completed without a PIN; for higher amounts, a PIN is required for security.
Cashback Redemption & Validity
Cashback Accrual: Cashback is provided as CashPoints, redeemable against the statement balance at the rate of 1 CashPoint = ₹1. A minimum of 500 CashPoints is required for redemption.
Versatile Redemption Options: Use CashPoints for travel benefits, including flights and hotel bookings at a rate of 1 CashPoint = ₹0.30. You can also redeem them against the rewards catalog on the SmartBuy Rewards Portal.
CashPoint Expiry: Unredeemed CashPoints will expire after 2 years of accumulation.
Eligibility Criteria
For Salaried Individuals:
- Indian National
- Age: 21-40 years
- Minimum Net Monthly Income: ₹35,000
For Self-Employed Individuals:
- Indian National
- Age: 21-40 years
- Minimum Income: ITR > ₹6.0 Lakhs per annum
Membership Fees
- Joining/Renewal Fee: ₹1,000 + Applicable Taxes
- Renewal Fee Waiver: Spend ₹1,00,000 or more in a year before your card renewal date to have the renewal fee waived off.
With the HDFC Bank Millennia Credit Card, you can enjoy substantial cashback, exclusive benefits, and convenient payment options, all while making the most of your everyday spends. Apply today to start reaping these rewards!
Comments
0 comment