HDFC Millennia Credit Card is best for millennials who frequently shop online and want to earn significant value cash back on all their spends. The card offers 5% cash back on all online transactions and 1% on all other purchases. The bank has partnered with some of the most prominent brands in the market to offer cash points worth 5% of the spending on each purchase, which makes it unique.
Welcome Benefits → 1,000 reward points on the payment of membership fee.
Best Feature → 5% cashback on Amazon, Flipkart, Myntra, Uber, Zomato.
Info! Minimum Income Requirement: Salaried: Rs. 35,000 p.m. Self-employed: ITR>Rs. 6 lakh p.a.
You can earn below welcome benefits:
- 1,000 Cash Points on the payment of membership fee.
- Gift vouchers worth Rs. 1,000 on spending Rs. 1 lakh in each calendar quarter.
You can get up to 5% cashback on your online transactions. Details regarding the same are mentioned in the below:
- Shopping via Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato - 5%.
- All other spends (except fuel) - 1%.
- Max cashback capped at Rs. 1,000 per month. 1 Cash Point = Re.1
Info! *Cashback is valid only for non-emi spends on the 10 online merchants. EMI spends & wallet loads through the merchants will be considered under 1% cashback category.
- Cashback will be given in the form of Cash Points, which can be redeemed against the statement balance (on request only).
- The minimum cash point balance required for redemption against the statement balance is 500 Cash Points (redeemable in multiples of Rs. 500 only).
- Cash Points can also be used for redemption against travel benefits like flight & hotel bookings and rewards catalogue at the SmartBuy Rewards Portal, at a value of 1 Cash Point = Re. 0.30.
- Unredeemed Cash Points will expire/lapse within 2 years of accumulation.
Apart from the above-mentioned benefits, you can also avail the below benefits:
8 complimentary domestic lounge access per calendar year (2 in a quarter).
Rs. 2 or Rs. 25 will be charged per swipe on your Millennia Credit Card towards lounge access, depending upon the card type (Visa, RuPay, Mastercard or Diners).
Spend Rs. 1 lakh in a year to avail annual fee waiver of Rs. 1,000.
1% fuel surcharge waiver on your transactions between Rs. 400 to Rs. 5,000. You can earn a maximum cashback of Rs. 250 per statement cycle.