HDFC Bank Millennia Credit Card

7.9
Expert ScoreRead review
  • 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
  • 8 complimentary lounge visits every year (max 2 per quarter) at all domestic airports across India.
  • Renewal fee waiver on spending Rs. 1,00,000 in the previous year.

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HDFC Bank Millennia Credit Card

7.9
Expert ScoreRead review
  • 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
  • 8 complimentary lounge visits every year (max 2 per quarter) at all domestic airports across India.
  • Renewal fee waiver on spending Rs. 1,00,000 in the previous year.

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    Category:
    Reward Type
    Reward Points
    Renewal Fee
    Rs. 1,000 (plus applicable taxes)
    Joining Fee
    Rs. 1,000 (plus applicable taxes)
    Type of Card
    Shopping
    Welcome Benefits
    1,000 CashPoints as a Welcome Benefit

    USP of Card

    • 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
    • 8 complimentary lounge visits every year (max 2 per quarter) at all domestic airports across India.
    • Renewal fee waiver on spending Rs. 1,00,000 in the previous year.

    Fees & Charges

    Spend Based Waiver
    The renewal fee is waived off if the cardholder spends Rs. 1 Lakh or more in the previous year
    Interest Rates
    3.6% per month (or 43.2% per annum)
    Cash Advance Charges
    3.5% (plus applicable taxes)
    Rewards Redemption Fee
    Rs. 99 per redemption request (plus applicable taxes)
    Fuel Surcharge
    1% of the fuel surcharge is waived on a minimum payment of Rs. 400 at all petrol stations across India (the waiver amount is capped at a maximum of Rs. 250 per payment cycle).
    Foreign Currency Markup
    2.5% of the amount or Rs. 500, whichever is higher
    Late Payment Fee
    NIL on Less than Rs. 100, Rs 1300 on due More than Rs. 50,000, Rs 500 on due between Rs. 501 – Rs. 5,000, Rs 600 on due between Rs. 5,001 – Rs. 10,000, Rs 800 on due between Rs. 10,001 – Rs. 25,000
    Add-on Card Fee
    Nil

    Rewards & Benifit

    Movie & Dining offers
    Up to 20% discount at partner restaurants with complimentary Swiggy Dineout
    Reward Redemption
    1 CP = Rs. 0.30 while redeeming against products and vouchers in the product catalogue, and against flight/hotel booking., Rewards processed as CashPoints, 1 CP = Re. 1 while redeeming against statement balance of credit card
    Zero Liability Protection
    Cardholder will not be liable for any fraudulent transaction made with the card in case of timely reporting to the bank about loss or theft of card
    Rewards Rate
    1% cashback (as CashPoints) on all other spends (except fuel, rental, and govt. related transactions), 5% cashback (as CashPoints) at select partner online merchants
    Travel
    8 Complimentary airport lounge access every year, 2 per quarter
    Online Shopping offers
    1% cashback (as CashPoints) on all other spends (except fuel, rental, and govt. related transactions), 5% cashback (as CashPoints) at select partner online merchants, up to 5% cashback as CashPoints on shopping at popular merchants like Amazon, Flipkart, Myntra, etc.
    Insurance Benefits
    NA
    Domestic Lounge Access
    2 complimentary visits per quarter. (8 in a year)
    International Lounge Access
    NA
    7.9Expert Score
    Our Take
    The most well-known and possibly one of the greatest cashback credit cards currently available in the Indian credit card industry is the HDFC Millennium Credit Card. This card's high reward rate (up to 5% cashback as CashPoints on purchases at well-known retailers like Amazon, Flipkart, Myntra, etc.) and high rate of Cash Point redemption as cashback (1 CashPoint = Re. 1 on adjustment against the card's outstanding balance) are what really make it so popular
    BestValueScore
    7.9
    PROS
    • Get high 5% cashback on partner merchants like Myntra, Amazon, Zomato, Swiggy, Uber, etc.
    • Get access to 8 complimentary domestic airport lounges with the card
    • Renewal fee waiver on spending Rs. 1 Lakh in the card anniversary year
    CONS
    • The cashback earned on all other online/offline spends with the card- spends at non-partner merchants- is just 1%.
    • A max capping of 1,000 CashPoints per statement cycle is applicable on CashPoints earned at the 5X accelerated rate, while you can earn another 1,000 CashPoints on the card at the normal 1X rate in a given statement cycle. A total of a maximum of 2,000 CashPoints can be earned in a statement cycle, which is equivalent to a cashback of Rs. 2,000.

     

    Specification: HDFC Bank Millennia Credit Card

    Credit Card
    Type of Credit Card

    Joining Fees

    Renewal fees

    Best Suited for

    Reward Type

    Welcome Benifits

    Movie & Dining Offers

    Travel Offers

    online shopping offers

    , ,

    Reward redemption

    ,

    Reward Rate

    ,

    Domestic Lounge Access

    International lounge access

    Insurance Benifits

    Zero liability protection

    Spend based waiver

    Reward redemption charges

    Foreign currency markup Charges

    Interest Charges

    Fuel Surcharges

    Cash advance charges

    Interest Free credit periods

    Add on card fee

    ELIGIBILITY CRITERIA

    ,

    Reward offer savings

    USP of Card

    , , , ,

    BestValue Score

    Specification
    Late Payment Fees

    , , , ,

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    HDFC Bank Millennia Credit Card
    HDFC Bank Millennia Credit Card

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