HDFC Millennia Credit Card
The HDFC Millennia Credit Card is ideal for millennials who shop online regularly and want to get significant value back on their purchases.
The credit card provides perks on popular brands like Zomato, Uber, Amazon, Flipkart, and others, making it an excellent choice for online shopping.
Although this credit card does not provide direct cashback, you will collect CashPoints for your purchases, which could be utilized for a range of rewards.
If you purchase with the brands with whom HDFC Bank has partnered and wish to earn good rewards on your transactions, this could be your favored option.
Image Source: HDFC Official website
Key Highlights for the HDFC Millennia Credit Card
|
Suitability |
Cashback and Online Shopping |
|
HDFC Millennia credit card offers |
1,000 rewards on the payment of membership |
|
HDFC Millennia credit card limit of salary |
Salaried: Rs. 35,000 p.m. Self-employed: ITR>Rs. 6 lakh p.a. |
|
HDFC Millenia credit card Renewal Fee |
Rs. 1,000 |
HDFC Millennia Credit Card Benefits and Features
Following are the HDFC Millennia Credit Card features and benefits that the member can avail:
- Up to 1,000 each month in CashBack from 10 online merchants (Amazon, BookMyShow, Cult. fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, and Zomato).
- 1% CashBack on all other purchases (excluding fuel), including EMIs and wallet transactions, up to a maximum of 1,000 per month.
- ₹1000 GV for every Rs 1 lakh spent in a fiscal quarter.
- To make this card free for life, spend 50,000 within 90 days of card activation.
- Annual Fee waiver based on active smartpay. Annual Fee will be charged immediately if cardmember discontinues the membership to Smart Pay temporarily or permanently,or fails to comply with the requirements required to enjoy non-levy of Annual Fee.
- The franchise program provides eight domestic lounge accesses per year.
- Dine Out offers up to a 20% discount on partner restaurants.
- Waiver of 1% fuel cost up to Rs. 250 per billing cycle | T&C apply.
HDFC Millennia Credit Card Annual Fee and Charges
The following fees and charges are linked to this credit card:
|
Fee or Charge |
Amount |
|
Annual Charges |
Rs. 1,000 |
|
Joining Charges |
Rs. 1,000 |
|
Finance Charges |
3.6% p.m. / 43.2% p.a. |
|
Late Payment Fee |
Less than Rs. 100: Nil Rs. 100 to Rs. 500: Rs. 100 Rs. 501 to Rs. 5,000: Rs. 500 Rs. 5,001 to Rs. 10,000: Rs. 600 Rs. 10,001 to Rs. 25,000: Rs. 800 Rs. 25,001 to Rs. 50,000: Rs. 1,100 Over Rs. 50,000: Rs. 1,300 |
HDFC Millennia Credit Card Eligibility
|
Salaried |
Self-Employed |
|
21 Years - 65 Years Rs.30,000 per month |
21 Years - 65 Years Rs.3.6 lakh p.a. (ITR) |
Documents Required for HDFC Milennia Credit Card
- Formal application with two pictures.
- Any ID will suffice (PAN Card, Driver's license, Passport, Aadhaar card)
- Address verification (permanent)- Anyone (Passport, Aadhaar card.)
- Payslips from the previous three months for salaried employees.
How to Apply
HDFC Bank credit cards can be applied online at the bank's official website. You should-
Step 1: From the bank's official website, go to the HDFC credit cards page.
Step 2: Click or hit the "Sign Up" button next to the Millennia Credit Card.
Step 3: You will be forwarded to HDFC's credit card application page, where you must complete a form in order for your application to be submitted.
Similar Credit Cards
Here are some other credit cards offering similar features-
|
Credit Card Name |
Characteristics |
|
Cashback SBI Card |
5% cashback on online spends, 1% cash back on other spends. |
|
Standard Chartered Smart Credit Card |
2% cashback on online spending. |
|
Axis Bank ACE Credit Card |
5% cashback on bill payment, mobile, and DTH recharge. |
|
SBI SimplyClick Credit Card |
10X reward points on purchases from partner brands such as Amazon, Apollo 24X7, BookMyShow, Cleartrip, Eazydiner, Lenskart, and Netmeds. |