HDFC MILLENNIA CREDIT CARD
Why We Suggested?

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.

Annual/Renewal Fee → INR 1,000 (Waived off on spending Rs. 1 lakh in the previous year).
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.


Features/Benefits:
Welcome Gift:

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.
Up to 5% Cashback on Multiple Brands:

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.

Points to note:
  • 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.

Other Benefits:

Apart from the above-mentioned benefits, you can also avail the below benefits:

Complimentary Domestic Lounge Access:

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).

Annual Fee Waiver:

Spend Rs. 1 lakh in a year to avail annual fee waiver of Rs. 1,000.

Fuel Surcharge Waiver:

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.