HDFC Millennia Credit Card

Benefits of HDFC Bank Millennia Credit Card

The following are some of the key benefits of HDFC Bank Millennia credit card:

• Cash points of 1000 will be offered as welcome benefit which is applicable on payment of membership fee
• On minimum transaction of Rs.400 & maximum transaction of Rs.5,000, cardholders can avail themselves of 1% as fuel surcharge waiver (maximum of Rs.250 in in statement cycle) across all fuel stations in India
• Cardholders can avail themselves of renewal membership waiver for next year by spending Rs.1 lakh or more in the previous year
• The HDFC Bank Millennia credit card comes with Smart EMI option that converts big purchase amount into EMIs
• The card also facilitates contactless payment at retail outlets
  
• HDFC Bank Millennia Credit Card ensures zero liability on any fraudulent transactions made using this card
• From the date of purchase up to 50 days of interest free period is offered by HDFC Bank Millennia credit card
• A nominal interest rate is offered on the HDFC Bank Millennia credit card transactions
• Cash points are valid for only two years from the date of accumulation

• No CashPoints are posted when you pay the renewal membership fee, as the welcome benefit applies only when the joining membership fee is paid 

• CashPoints earned in a calendar month are posted in the first week of the following calendar month 

Cashback can be earned by the below-given ways:

• You can earn up to 10% additional cashback across more than 200 brands through the PayZapp Shop and SmartBuy.
• You can earn 5% cashback on spends with the ten partner merchants listed above, subject to a maximum of 1,000 CashPoints in a calendar month.
• All your other eligible spends, including offline purchases and point-of-sale transactions, earn 1% cashback, subject to a maximum of 1,000 CashPoints in a calendar month. Fuel, rent, government-related, wallet-load and EMI transactions do not earn cashback.
• EMI transactions, including Smart EMI, are not eligible for cashback benefits.

How to Redeem Cashback

The cashback that you earn can be accumulated and redeemed as CashPoints against the statement balance.

• One CashPoint will be equivalent to Rs.1 and you will need to accumulate at least 500 CashPoints to redeem it.
  
• You can redeem your CashPoints against Rewards Catalogue, flight and hotel bookings, at a value of 1 CashPoint = Rs.0.30.
• The CashPoints must be redeemed before 2 years of accumulation.
• Redemption of CashPoints as cashback against the statement balance is limited to 3,000 CashPoints in a calendar month, and a redemption fee of Rs.50 applies. 
• You can also redeem CashPoints against the statement balance through Phone Banking or a physical redemption form. 
• Redemption against flight and hotel bookings through SmartBuy is limited to 50% of the booking value and to 50,000 CashPoints in a calendar month. 
• Redemption through the Rewards Catalogue attracts a handling charge of Rs.99 plus applicable taxes. 

Here are the steps to redeem cash points:

1. Net Banking:
   1. Log into your internet banking account using your credentials (user ID and password)
   2. After logging in, click on the credit cards option
   3. Register your credit card
   4. Click on ‘Register New Card’
   5. Enter four-digit credit card PIN to complete the registration process
   6. Click on ‘Redeem Reward Points link’ to redeem your cash points
   7. If your card is already registered, then select your card and click on ‘Continue’
   8. On the homepage, Click on Redeem Reward Points
   9. Select the point range
   10. View catalogue, to select the product
   11. Add the products from shopping cart
   12. Redeem your cash points during checkout
2. Post:
   1. Download the Reward Redemption Form online
   2. Fill in the redemption form
   3. Post the form to the official mailing address of HDFC Bank

HDFC Bank Millennia Credit Card Fees & Charges

Here is the list of fees and charges applied on HDFC Bank Millennia credit card:

Note:

• Annual fee can be waived off on spending Rs.1 lakh on the previous year
• Fuel surcharge waiver is capped at Rs.250 for a minimum and maximum transaction of Rs.400 to Rs.5000, respectively

The fees on rent, fuel, utility and education transactions are subject to GST as per government regulations. 

Eligibility Criteria for HDFC Bank Millennia Credit Card

To be eligible for the HDFC Bank Millennia Credit Card, you need to fulfill the below-given criteria:

Documents required for HDFC Bank Millennia Credit Card

The following are the documents for HDFC Bank Millennia credit card:

1. Proof of Identity
   1. Driving Licence
   2. Aadhaar card
   3. Passport
2. Address Proof
   1. Ration Card
   2. Voter ID
   3. Passport
   4. Aadhaar card
3. Income Proof
   1. Salary Slip
   2. Form 16
   3. IT Returns

The list mentioned above is indicative. The bank may ask for additional documents as and when required during the application procedure.

You can apply for the HDFC Bank Millennia Credit Card on the bank's website, through NetBanking if you are an existing HDFC Bank customer, or at an HDFC Bank branch. In some cases, you may need to upload documents and complete a video KYC. 

Summary

The HDFC Millennia Credit Card is an HDFC Bank cashback card that rewards online and everyday spends with CashPoints and adds a quarterly milestone voucher or lounge access choice. Before you apply, check the membership fee, the spends that do not earn cashback and the redemption limits listed above. Check your eligibility and apply for the HDFC Millennia Credit Card on BankBazaar. 

Credit cards make payments easy for all expenses online and offline while offering various benefits

Find a Card >>