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Hdfc Bank Millennia Credit Card

A cashback credit card by HDFC Bank, the Millennia Credit Card targets the Gen-Y – the ‘90s kids or the millennials. Being a basic credit card, this is charged an annual fee of Rs. 1,000. Keeping its target customers in mind, HDFC Bank offers a 5% cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, and Zomato, and a cashback of 1% on all other online and offline spends.

As the card gives you a reward rate of 5% on Amazon and Flipkart, you are essentially getting the benefit of both Amazon Pay ICICI and Flipkart Axis Credit Card (and much more) in one card. The cashback earned with the card is processed as CashPoints, which can be redeemed against the card’s statement balance for flight/hotel reservations or for purchasing products from the HDFC product catalog. Also, the card offers great gift vouchers for meeting the milestone spend every quarter.

In addition to receiving cashback, you will also be granted free access to lounges at domestic airports in India. However, due to recent devaluation, you will now need to spend Rs. 1 lakh each quarter in order to access these lounges. Keep reading our HDFC Bank Millennia Credit Card review to know more about the card, its offerings, fees and charges, and other information.

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Hdfc Bank Millennia Credit Card

Joining Fee

Rs. 1,000 + GST

Renewal Fee

Rs. 1,000 + GST

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

1,000 CashPoints as a Welcome Benefit.

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reward and benefits +

Movie & Dining

Up to 20% discount at partner restaurants with complimentary Swiggy Dineout

Rewards Rate

5% cashback (as CashPoints) at select partner online merchants and 1% cashback (as CashPoints) on all other spends (except fuel, rental, and govt. related transactions)

Reward Redemption

Rewards processed as CashPoints, 1 CP = Re. 1 while redeeming against statement balance of credit card and 1 CP = Rs. 0.30 while redeeming against products and vouchers in the product catalogue, and against flight/hotel booking.

Travel

4 complimentary airport lounge access every year, 1 per quarter

Domestic Lounge Access

1 Domestic Airport Lounge Access Every Quarter (4 Each Year)

Zero Liability Protection

Zero liability of the credit cardholder in case of fraudulent transactions after you have reported about the loss or theft of the card to the bank.

free & charges +

Spend Based Waiver

The renewal fee is waived off if the cardholder spends Rs. 1 Lakh or more in the previous year.

Rewards Redemption Fee

Rs. 99 per redemption request (plus applicable taxes)

Foreign Currency Markup

3.5% (plus applicable taxes)

Interest Rates

3.6% per month (or 43.2% per annum)

Fuel Surcharge

1% Fuel surcharge which is waived if you spend minimum Rs 400 in single transaction. The maximum CashBack is capped at Rs. 250 per payment cycle.

Cash Advance Charges

2.5% of the transaction amount, subject to a minimum fee of Rs. 500

product details +

  • 1,000 CashPoints as a welcome benefit on card setup (subject to realization of the joining fee).
  • Gift vouchers worth Rs. 1000 on spending Rs. 1 Lakh or above in a quarter
  • 5% cashback at select partner online merchants, including popular e-commerce websites like Amazon and Flipkart.
  • 1% cashback on all other spends except fuel, rental, and government spends
  • Up to 20% discount on partner restaurants via Swiggy Dineout
  • 4 complimentary lounge visits every year at domestic airports across India.
  • Renewal fee waiver on spending Rs. 1,00,000 in the previous year.

pros / cons +

Pros

  • Get high 5% cashback on partner merchants like myntra, Amazon, Zomato, Swiggy, Uber etc.
  • Get access to 4 complimentary domestic airport lounges with the card
  • Renewal fee waiver on spending Rs. 1 Lakh in the card anniversary year

Cons

  • You earn a low 1% cashback on offline/online spends at non-partner merchants
  • The accelerated Cashpoints are capped at 1000 per statement cycle and you can earn 1000 Cashpoints at the normal 1x rate.
  • Minimum 500 Cashpoints are needed to redeem against the card statement balance