HDFC Bank Millennia Credit Card

8
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

8
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.
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% annually)
Cash Advance Charges
3.5% (plus applicable taxes)
Rewards Redemption Fee
Rs. 99 per redemption request
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 withdrawn amount (subject to a minimum charge of Rs. 500)
Late Payment Fee
-
Add-on Card Fee
Nil

Rewards & Benifit

Movie & Dining offers
Up to 20% discount at partner restaurants with complimentary Swiggy Dineout
Reward Redemption
Rs. 99 per redemption request (plus applicable taxes)
Zero Liability Protection
Zero liability of the credit cardholder in case of fraudulent transactions after you have reported about the loss or theft of the card to the bank.
Rewards Rate
-
Travel
8 Complimentary airport lounge access every year, 2 per quarter
Online Shopping offers
Get high 5% cashback on partner merchants like Myntra, Amazon, Zomato, Swiggy, Uber, etc.
Insurance Benefits
N/A
Domestic Lounge Access
2 complimentary visits per quarter. (8 in a year)
International Lounge Access
N/A
8Expert Score
  • 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.
Best values score
8
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
  • You earn a low 1% cashback on offline/online spends at non-partner merchants
  • The accelerated Cashpoints are capped at 1000 per statement cycle and you can earn 1000 Cashpoints at the normal 1x rate.
  • Minimum 500 Cashpoints are needed to redeem against the card statement balance

 

8Expert Score
  • 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.
Best values score
8
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
  • You earn a low 1% cashback on offline/online spends at non-partner merchants
  • The accelerated Cashpoints are capped at 1000 per statement cycle and you can earn 1000 Cashpoints at the normal 1x rate.
  • Minimum 500 Cashpoints are needed to redeem against the card statement balance

Specification: HDFC Bank Millennia Credit Card

Bank Name

HDFC Bank

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

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

Late Payment Fee

Partner Discounts

Reward offer savings

USP of Card

BestValue Score

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HDFC Bank Millennia Credit Card
HDFC Bank Millennia Credit Card

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