HDFC Millenia Credit Card

The Millennia credit card is highly coveted from HDFC Bank, mostly owing to its extensive offers and privileges. This card is ideal for frequent online shoppers, offering substantial cashback and benefits with prominent companies like Amazon, Zomato, Uber, Flipkart, and others. The HDFC card incurs a membership charge of Rs. 1,000 plus applicable taxes for the first year and a renewal cost of Rs. 1,000 plus applicable taxes thereafter. A waiver for your renewal cost for the subsequent year is obtainable if you expend Rs. 1 lakh throughout one year. Customers may not get direct payback; nevertheless, they will earn discounts in the form of cash points. Here are some facts about the HDFC Bank Millennia credit card.

Key features of the HDFC Bank Millennia Credit Card

The following are a few notable advantages of the HDFC Bank Millennia credit card:

• Cardholders may get a 5% cashback on several online businesses, including Amazon, Sony LIV, Swiggy, Tata CLiQ, BookMyShow, Cult.fit, Flipkart, Myntra, Uber, and Zomato.
• Cardholders are eligible for 1% cashback on additional expenditures, including wallet transactions and EMI.
• HDFC Bank Millennia credit card holders may get a 20% discount at partner restaurants via Dineout.
• Cardholders who spend Rs. 1 lakh or more in each calendar quarter are eligible to get a gift certificate valued at Rs. 1000.

Advantages of HDFC Bank Millennia Credit Card

The following enumerates some principal advantages of the HDFC Bank Millennia credit card:

• A welcome incentive of 1000 cash points will be provided upon the payment of the membership fee.
• Cardholders may get a 1% fuel fee waiver (up to a maximum of Rs. 250 every statement cycle) on transactions ranging from Rs. 400 to Rs. 5,000 at all fuel stations in India.
• Cardholders may get a renewal membership waiver for the next year by spending Rs. 1 lakh or more in the preceding year.
• The HDFC Bank Millennia credit card has a Smart EMI option that transforms substantial purchase amounts into equated monthly instalments.
• The card enables contactless transactions at retail establishments.
• The HDFC Bank Millennia Credit Card guarantees 0% responsibility for fraudulent transactions. It provides an interest-free period of up to 50 days from the date of purchase.
• A minimal interest rate is provided for transactions made with the HDFC Bank Millennia credit card.
• Cash points are valid for two years from the date of accrual.

Cashback may be obtained via the following methods:

• By making a payment of at least Rs. 2,000 for your purchases using SmartBuy and PayZapp, you may get a payback of 5% or Rs. 750 monthly. The maximum payback provided is Rs. 1,000 per month for the first 6 months from the card issuance date.
• Receive a cashback of 2.5%, capped at Rs. 750 each month, contingent upon a transaction value of Rs. 2,000. This is applicable for online expenditures.
• All offline purchases, wallet reloads, and point-of-sale transactions may yield a cashback of 1% on a minimum expenditure of Rs. 100. The highest cashback available is Rs. 750.
• EMI transactions qualify for cashback advantages.

Procedure for Redeeming Cashback

The cashback accrued may be consolidated and redeemed as CashPoints against the statement balance.

• One CashPoint will equal Rs. 1, and a minimum of 2,500 CashPoints is required for redemption.
• CashPoints may only be redeemed in increments of Rs. 500.
• CashPoints may be redeemed for items in the Rewards Catalogue, as well as for travel and hotel reservations, at a rate of 1 CashPoint = Rs. 0.30.
• CashPoints must be redeemed within one year after accrual.

The following are the procedures for redeeming cash points:

Net Banking: 

• Access your online banking account by entering your credentials (user ID and password).
• Upon logging in, choose the credit card option.
• Enrol your credit card.
• Select ‘Register New Card’
• Input the four-digit credit card PIN to complete the registration procedure.
• Select the ‘Redeem Reward Points’ option to convert your cash points.
• If your card is already registered, pick it up and click ‘Continue’.
• On the site, choose Redeem Reward Points.
• Choose the range of points.
• Examine the catalogue to choose the product.
• Include the items from the shopping cart
• Utilise your cash points at the time of checkout.

Post:

• Obtain the Reward Redemption Form via online download.
• Complete the redemption form
• Submit the form to the official postal address of HDFC Bank.

HDFC Bank Millennia Credit Card Fees & Charges

Here is the list of fees applied to the HDFC Bank Millennia credit card:

Particulars	Charge
First-Year Membership Fee	Rs. 1,000 plus applicable taxes
Joining or Renewal Membership Fee	Rs. 1,000 plus applicable taxes
Cash Advance Fees	2.5%

Note:

• The annual fee may be avoided by spending Rs. 1 lakh in the preceding year.
• The fuel fee waiver is limited to Rs. 250 for transactions ranging from Rs. 400 to Rs. 5000.

Eligibility Requirements for HDFC Bank Millennia Credit Card

To qualify for the HDFC Bank Millennia Credit Card, you must meet the following criteria:

Criteria	Salaried Applicants	Self-Employed Applicants
Minimum Age	21 Years	21 Years
Maximum Age	40 Years	40 Years
Minimum Income	Rs. 35,000 per month	Rs. 6 lakh p.a. (ITR)

Documents required for HDFC Bank Millennia Credit Card

The following are the documents for the 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.