HDFC Millennia Credit Card is a cashback credit card mainly for users who shop online frequently, order food, book a cab, and look for UPI-like simplicity of usage through cards. With HDFC Bank‘s credibility backing it up, this card is ideal for working professionals and millennials who look for maximum returns on everyday lifestyle spends. It offers cashback of 5 percent in the form of CashPoints on most visited sites like Amazon, Flipkart, Swiggy, Uber, and Myntra, which makes it a profitable choice for e-commerce users. With milestone lounge privilege and annual fee waiver on realizable spends, it offers real benefits to daily spends. The card charges a joining fee of ₹1,000 including taxes, which is offset by equal welcome benefits, making it more valuable.
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HDFC Millennia Credit Card Benefits
The HDFC Millennia Credit Card provides a wealth of lifestyle-focussed privileges, particularly for online shoppers, foodies, and frequent app users, earning them cashback with ease on daily digital expenses.
Welcome Benefits
As a joining benefit, HDFC Millennia Credit Card members get CashPoints worth the ₹1,000 joining fee they make. The CashPoints are credited once the card is activated and the first purchase is made. The points can be redeemed to pay towards future statement balances or redeemed through the SmartBuy platform for flights, hotels, or vouchers. This initial welcoming advantage effectively makes the first-year cost of acquiring the card null and void, thus making it a realistic option for obtaining value upfront without extra hassle.
Travel Benefits
HDFC Millennia Credit Card enhances your travel experience by providing you with enormous cashback on the booking done under SmartBuy. Keep reading to find out how you can optimize it:
- Flights: Earn 5% cashback on flight bookings made on SmartBuy with a maximum of ₹1,000 per month. To avail this, visit the SmartBuy Flights page, select the flight you desire, and book it using your HDFC Millennia Credit Card.
- Hotels: Earn 5% cashback on hotel bookings using SmartBuy, also subject to a limit of ₹1,000 per month. Just go to the category of SmartBuy Hotels, select your hotel, and pay via your credit card.
- RedBus: Get 5% cashback on bus ticket bookings on RedBus through the SmartBuy platform, with the same ₹1,000 monthly cap. Visit the RedBus category on SmartBuy, select your seat and bus, and pay via your HDFC Millennia Credit Card.
To get the best from these offers, ensure that your transactions are EMI-free and don’t use gift card, wallet payments.
HDFC Millennia Credit Card Lounge Access
HDFC Millennia Credit Card cardholders have the privilege of enjoying lounge access, which is ideal for regular travelers. The card provides free domestic lounge access through Dreamfolks Airport Lounge Program. Users can enjoy this benefit when they spend ₹1 lakh or more in a quarter. The benefit is provided through vouchers, which can be redeemed for lounge access or a ₹1,000 voucher from specified brands. This is a fantastic benefit for those who travel often and would like to indulge in a luxury airport experience without paying for lounge memberships.
Shopping Benefits
The HDFC Millennia Credit Card provides great cashback on online shopping, and it is a great for regular shoppers.
- 5% Cashback: Get a maximum of 5% cashback on shopping at popular online websites such as Amazon, Flipkart, Myntra, Swiggy, Uber, and others. This advantage is limited to ₹1,000 per month per category, which means that regular online shoppers can get the best out of their cashback rewards.
- 1% Cashback: For all other spends, you receive 1% cashback, which accumulates over time and rewards you for more value out of your regular purchases.
Cashback earned gets credited in the form of CashPoints, redeemable for statement credit, product catalog items, vouchers, as well as even flights or hotel reservations through SmartBuy.
Other Benefits
Apart from its cashback benefit, HDFC Millennia Credit Card has a few positive aspects:
- Fuel Surcharge Waiver: Avail a 1% waiver on spends between ₹400 and ₹5,000 at any fuel stations in India. The waiver cap is a maximum of ₹250 per statement cycle.
- Dining Discounts: Get up to 20% discount on dining at more than 20,000 partner restaurants through the Swiggy Dineout platform.
- EMI Facility: Convert your purchases into easy monthly instalments with the Smart EMI facility, providing flexibility in repayment.
- Zero Lost Card Liability: In case of loss or theft, quick contact HDFC Bank’s 24-hour call center to be held zero liable for any fraud transactions on your credit card.
HDFC Millennia Credit Card Reward Points and Redemption
The HDFC Millennia Credit Card has a simple cashback program through CashPoints, which are earned on your monthly transactions.
- 5% Cashback reward Points on online transactions done at Amazon, Flipkart, BookMyShow, Myntra, Swiggy, Tata CLiQ, Uber, and flight/hotel/bus reservations via SmartBuy. This is limited to ₹1,000 per calendar month per category.
- 1% Cashback (CashPoints) on all other transactions (except fuel, wallet reloads, and EMI transactions), up to ₹500 a month.
Redemption Options
- Statement Credit: 1 CashPoint = ₹1 while redeeming against your statement balance (minimum 500 CashPoints).
- Travel Bookings: Redeem your reward points for flight and hotel bookings through SmartBuy.
- Product Catalogue & Vouchers: Redeem your reward Points for different of merchandise and gift vouchers.
- Validity: Reward Points are redeemable within 2 years from date of purchase.
Note: Wallet reloads, fuel spends, and EMI transactions are not eligible.
Annual Savings – 2 Lacks Spending(Example)
| Category | Annual Spend (₹) | Cashback Rate | Cashback Earned (₹) | Notes |
|---|---|---|---|---|
| Online Shopping (Amazon, Flipkart, Myntra, etc.) | ₹60,000 | 5% | ₹3,000 | Max ₹1,000/month cap applies |
| Travel (Flights/Hotels via SmartBuy) | ₹30,000 | 5% | ₹1,500 | Within ₹1,000/month cap |
| Food Delivery (Swiggy) | ₹20,000 | 5% | ₹1,000 | Capped under online cashback |
| Fuel | ₹15,000 | 1% Waiver | ₹150 | Max ₹250/month waiver |
| Other Offline/General Spends | ₹75,000 | 1% | ₹750 | Max ₹500/month cap |
| Total Cashback Earned: | ₹6,400 | |||
Festive Boost: If the user had used a portion of their ₹60,000 online spend during festive sales such as Amazon Great Indian Festival or Flipkart Big Billion Days, they would have been able to avail extra instant discounts or bonus cashback via HDFC’s festive alliances. This implies actual savings could exceed ₹6,400, making the card even more rewarding on high-spending festivals.
HDFC Millennia Credit Card Charges
| Charge Type | Details |
|---|---|
| Joining Fee | ₹1,000 + GST |
| Renewal Fee | ₹1,000 + GST (from 2nd year onwards) |
| Annual Fee Waiver | Waived if annual spends exceed ₹1,00,000 |
| Interest Rate | 3.6% per month (43.2% annually) |
| Cash Advance Charges | 2.5% of amount withdrawn or ₹500 (whichever is higher) |
| Late Payment Charges |
₹0 – up to ₹100 due ₹100 – ₹101 to ₹500 ₹500 – ₹501 to ₹5,000 ₹600 – ₹5,001 to ₹10,000 ₹800 – ₹10,001 to ₹25,000 ₹950 – Above ₹25,000 |
| Foreign Currency Markup | 3.5% |
| Reward Redemption Fee | ₹99 per redemption request |
HDFC Millennia Credit Card Eligiblity
| Eligibility Criteria | Details |
|---|---|
| Age | 21 to 60 years |
| Income | Minimum annual income of ₹3,00,000 (varies by profile) |
| Employment Type | Salaried or Self-employed individuals |
| CIBIL Score | Minimum score of 750 or above |
| Document Type | Details |
|---|---|
| Identity Proof | Passport, Voter ID, Aadhar card, or Driver’s License |
| Address Proof | Utility Bill, Passport, Bank Statement, or Rent Agreement |
| Income Proof | Latest Salary Slip, IT Returns, Bank Statement, or Form 16 |
| Photographs | 2 passport-size photographs |
HDFC Millennia Credit Card Review
The HDFC Millennia Credit Card is a stand-out card with its 1 CashPoint = 1 Rupee conversion rate, which is a rarity for cards these days. This highly rewards users who aim to redeem as much as possible. SmartBuy platform also saves money with 5% cashback for online shopping and flight/hotel bookings, and thus it’s a good card for frequent travelers and shoppers.
The joining charge is not an issue, as it’s well compensated by the welcome benefit, and the waiver of annual fee is quite attainable with ₹1,00,000 yearly spend. It makes the card affordable for frequent users. The lounge access has a quarterly spend requirement, which may be challenging for some users to achieve if they spend less.
Overall, HDFC Millennia Credit Card is a good card to have with good reward conversion and cashback with a fair fee schedule, and hence it’s a good card for frequent shoppers or travelers.
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