HDFC Millennia Credit Card is one of the best cashback credit cards with a high reward rate. You get up to 5% cashback as CashPoints on shopping websites like Amazon, Flipkart, and Myntra.
You can also get a high redemption value of Cash Points as cashback including 1 CashPoint = Re. 1 adjustment against the statement balance of the credit card.
My Experience With HDFC Millennia Credit Card
Earlier I used to carry two separate credit cards for maximum cashback on my purchases.
- Axis Bank Flipkart Credit Card for 5% cashback on all my purchases on Flipkart and Myntra.
- ICICI Amazon Pay credit card to avail 5% cashback on purchases made on Amazon for prime members and 3% for non-prime members.
But all that changed when I got my hands on HDFC Millennia Credit Card. This card is a game-changer, offering 5% cash back on Amazon, Flipkart, Myntra, BookMyShow, Swiggy, and Zomato– all in one place!
In this way, I am getting the benefit of both Amazon Pay ICICI as well as Flipkart Axis Credit Card in one card.
Here’s a detailed review of the HDFC Millennia credit card’s features:
HDFC Millennia Fees & Charges
- Joining Fees: The HDFC Millennia credit card comes with a joining fee of Rs. 1,000.
- Annual Fees: The card has an annual fee of Rs. 1,000.
- Annual Fees Waiver: The annual fee can be waived off on spending Rs. 1,00,000 or more in a year.
- Forex Markup Fees: The HDFC Millennia credit card has a forex markup fee of 3.5%, which is slightly higher than some other premium credit cards..
- Reward redemption fee: Rs. 99 for every redemption request you make.
Benefits & Privilege of HDFC Millennia Credit Card
Welcome Bonus: The credit card offers a welcome bonus of 1,000 CashPoints on the successful realization of the joining fee.
Main Dining Benefits: The HDFC Millennia credit card offers some fantastic benefits, including:
- You get up to 20% discount at partner restaurants with a complimentary Dineout Passport membership.
- You can also enjoy the Good Food Trail Dining program at premium restaurants across top cities, which includes:
- An assured discount of 25% at 2000+ premium restaurants.
- 1+1 buffet at 200+ restaurants.
- 1+1 food/drinks at select restaurants.
These offers are not valid on occasions like New Year day, Christmas, and Valentine’s day.
HDFC Millennia Cashback Points
- The reward points on this card are processed as CashPoints.
- Earn 5% cashback (as CashPoints) at select partner online merchants including Amazon, Flipkart, Myntra, BookMyShow, Cult.fit, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato.
- Get 1% cashback (as CashPoints) on all other online and offline spends (except fuel).
Redemption Value of Cashback Points
- You can redeem CashPoints against statement balance of credit card or for products and vouchers in the product catalogue, and against flight/hotel bookings.
- 1 CP = Re. 1 while redeeming against the statement balance of the credit card. You can also change your HDFC credit card billing cycle.
- Value of cashback on redemption on product Catalog of 1CP is Rs. 0.30.
- 1 CP = Rs. 0.30 while redeeming against flight/hotel booking.
- Value of cashback on redemption on Airmiles is 0.30 AirMiles.
- A minimum of 500 CashPoints are required for redemption against the card’s statement balance.
- CashPoints expire after 2 years.
Domestic Airport Lounges Access
The card offers access to select domestic lounges, with 2 complimentary visits per quarter (8 visits in a year). You may like to check the comparison between HDFC Regalia and Millennia credit card if you are looking for a both domestic & international lounge access.
Milestone Benefit
The card offers a gift voucher worth Rs. 500 on quarterly expenditure of Rs. 50,000.
Fuel Benefits
- 1% fuel surcharge waiver on a minimum payment of Rs. 400 at all petrol stations across India.
- Maximum cap of waiver amount is Rs. 250 per payment cycle.
Takeaway
HDFC Millennia Credit Card is a great option for those who love to shop online and earn rewards. With its fantastic benefits and rewards, including 5% cashback on select online merchants like Amazon, Flipkart, and 1% cashback on all other spends.
FAQs:
#1. Can the annual fee be waived off?
Yes, the annual fee can be waived off on spending Rs. 1,00,000 annually.
#2. What is the welcome bonus for the HDFC Millennia Credit Card?
The welcome bonus for the HDFC Millennia Credit Card is 1,000 CashPoints.
#3. How many complimentary domestic lounge visits are provided by the HDFC Millennia Credit Card?
The HDFC Millennia Credit Card provides 2 complimentary domestic lounge visits per quarter (8 in a year).
#4. Are there any milestone benefits for the HDFC Millennia Credit Card?
Yes, a gift voucher worth Rs. 500 is provided on quarterly expenditure of Rs. 50,000.
