The Millennia Credit Card is your ultimate cashback companion, designed to reward your everyday spending with exceptional benefits and unmatched convenience. For a limited time, enjoy the Lifetime Free Offer, giving you all the perks of this premium card without any annual fees. Whether you’re shopping online, dining out, or traveling, the Millennia Credit Card ensures you earn while you spend. To qualify, all you need is a monthly salary of ₹35,000 or more. But hurry—this exclusive offer is only valid for applications submitted between 17th December 2024 and 16th January 2025. Don’t miss out on this opportunity to make every purchase more rewarding—apply today and unlock a world of cashback benefits!
Overview
The Millennia Credit Card is a feature-packed cashback card designed to enhance your everyday spending experience. It offers exceptional rewards, including 5% cashback on popular platforms like Amazon, Flipkart, Swiggy, and more, along with 1% cashback on most other transactions. Additional perks include ₹1,000 worth of gift vouchers for quarterly spends of ₹1,00,000 and up to 20% discounts at partner restaurants via Swiggy Dineout. However, effective 1st September 2024, certain transactions such as wallet loading, Easy EMI, and education payments via third-party apps will not earn reward points. For direct education payments through official portals or POS machines, rewards will still apply. With these benefits, the Millennia Credit Card makes every spend rewarding and convenient.
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Reward Point/Cashback Redemption & Validity
Cashback Accrual:
- Cashback is credited as CashPoints, which can be redeemed against your statement balance upon request.
- Redemption is at a rate of 1 CashPoint = ₹1, with a minimum of 500 CashPoints required for redemption against the statement balance.
- CashPoints can also be used for travel benefits like flight and hotel bookings or through the Rewards Catalogue on the SmartBuy Rewards Portal, valued at 1 CashPoint = ₹0.30.
- Unredeemed CashPoints will expire 2 years after accumulation.
Redemption Guidelines:
- For flight and hotel bookings, you can use CashPoints for up to 50% of the booking value, with the remaining amount paid via your credit card.
- Monthly Redemption Caps:
- Flights & Hotels: Maximum of 50,000 Reward Points per calendar month (effective from 1st January 2023).
- Cashback: Maximum of 3,000 Reward Points per calendar month (effective from 1st February 2023).
- Select Vouchers/Products: Redeem up to 70% of the product/voucher value using Reward Points, with the remaining amount paid via credit card (effective from 1st February 2023).
Conversion Rates:
- Statement Balance Redemption: 1 CashPoint = ₹1.
- Travel & Catalogue Redemption: 1 CashPoint = ₹0.30.
For detailed information on the redemption process and terms, click here or refer to the important Terms and Conditions for cashback accrual and redemption.
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Key Features of the Millennia Credit Card
- 5% Cashback on popular platforms like Amazon, Flipkart, Myntra, Swiggy, Zomato, Tata CLiQ, Uber, BookMyShow, Cult.fit, and Sony LIV.
- 1% Cashback on all other transactions (excluding fuel, wallet loading, EMI, and government-related payments).
- Quarterly Rewards: Earn ₹1,000 worth of gift vouchers for spending ₹1,00,000 or more in a calendar quarter.
- Dining Discounts: Enjoy up to 20% off at partner restaurants via Swiggy Dineout.
Important Updates
Starting 1st September 2024, reward points will no longer be earned for wallet loading, Easy EMI transactions, and education payments made through third-party apps. However, education payments made directly on school/college websites or via their POS machines will continue to earn Reward Points.
Additional Features of the HDFC Bank Millennia Credit Card
- Zero Lost Card Liability: In case your Millennia Credit Card is lost, report it immediately to our 24-hour call center at 1800 1600/1800 2600 (toll-free). For international travelers, call us at 022-61606160. Once reported, you will have zero liability for any fraudulent transactions made on your card.
- Interest-Free Credit Period: Enjoy up to 50 days of interest-free credit from the date of purchase, subject to the merchant submitting the charge promptly.
- Revolving Credit Facility: Access credit flexibility at a nominal interest rate. Refer to the Fees and Charges section for more details.
- Exclusive Dining Privileges: Delight in exceptional dining benefits with the Good Food Trail Program.
- Dining Discounts via Swiggy Dineout: Save up to 20% on your restaurant bills at over 20,000+ partner restaurants when you pay through the Swiggy app. This offer combines both Swiggy and restaurant discounts.
With these added features, the HDFC Bank Millennia Credit Card enhances your financial convenience while offering superior rewards and dining privileges.
HDFC Bank Millennia Credit Card Eligibility
For Salaried Individuals:
- Indian national
- Age: Minimum 21 years, Maximum 40 years
- Net Monthly Income: Greater than ₹35,000
For Self-Employed Individuals:
- Indian national
- Age: Minimum 21 years, Maximum 40 years
- Income: ITR of ₹6.0 Lakhs or more per annum
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How to Apply for the HDFC Bank Millennia Credit Card
- Visit the HDFC Bank Website: Go to the official HDFC Bank website or the Millennia Credit Card page.
- Fill in the Application Form: Complete the online application form with your personal details, income information, and other required documentation.
- Submit Documents: Upload the necessary documents such as proof of identity, address, and income (e.g., salary slips, ITR, etc.).
- Verification Process: HDFC Bank will verify the provided information and documents.
- Approval and Card Issuance: If your application is approved, you will receive your HDFC Bank Millennia Credit Card at your registered address.
Alternatively, you can also apply by visiting your nearest HDFC Bank branch for assistance with the application process.
Fees & Charges
- Joining/Renewal Membership Fee: ₹1,000 + Applicable Taxes
- Renewal Fee Waiver: Spend ₹1,00,000 or more in a year before your Credit Card renewal date to get the renewal fee waived off.
For more details on the HDFC Bank Millennia Credit Card fees and charges, click here.
Conclusion
The HDFC Bank Millennia Credit Card is an ideal choice for individuals looking for a blend of cashback rewards, exclusive dining privileges, and flexible redemption options. With its lucrative benefits such as 5% cashback on popular platforms, 1% on other spends, and rewards on travel bookings, it offers exceptional value. The additional perks of zero lost card liability, interest-free credit periods, and a range of offers make it an attractive option for both salaried and self-employed individuals. By meeting simple eligibility criteria and making use of spend-based benefits, you can enjoy the card’s rewards and fee waivers with ease. Apply today to enhance your financial experience with the Millennia Credit Card.
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