Best CashBack Credit Card Ever -Millennia Credit Card

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Membership Fee: ₹1,000 + applicable taxes  

Renewal Fee Waiver: Spend ₹1,00,000 or more in a year before renewal and enjoy a fee waiver, rewarding your spending. 

For an offline application process, visit the nearest HDFC Bank branch to apply for the HDFC Bank Millennia Credit Card using a physical form. Provide the necessary details, and we'll ensure your HDFC Bank Millennia Credit Card is delivered straight to your doorstep. 

For existing customers, the available CashPoints in cardholder account will be intact and there would be no changes to it.

• Effective 1st July 2017, Goods & Services Tax (GST) is applicable on all Fees, Charges and Interest transactions

• The applicable GST would be dependent on place of provision (POP) and place of supply (POS). If POP and POS are in the same state then applicable GST would be CGST and SGST/UTGST else, IGST. 

• GST For FEE & Charges / Interest transactions Billed on statement date will reflect in next month statement.

• GST levied will not be reversed on Any dispute on Fee & Charges / interest. 

A cardholder will be eligible for 1% CashPoints on prepaid card/gift Card/ wallet load and / or voucher purchases. All the transactions carried out through the Merchant Category Code (MCC) of 6540 (as defined by card networks Visa, MasterCard, RuPay and Diners) will be considered under 1% CashPoints.

Credit score requirements may vary, but a good credit score significantly enhances your chances of approval. Check your eligibility on our website using the online eligibility calculator for personalized recommendations.

You can swipe or tap (in certain cases) your HDFC Bank Millennia Credit Card in any place. Here are some instances: 

• Online Shopping: Maximize the 5% cashback by using the card for online shopping on platforms like Amazon, Flipkart, Swiggy, and more.  

• Dining Out: Enjoy exclusive dining privileges and up to 20% discounts at partner restaurants via the Good Food Trail program.  

• Contactless Payments: Leverage the convenience of contactless payments for transactions up to ₹5000 at various retail outlets.  

• CashBack shall not be eligible for the following spends/transactions on the card,

  • Fuel Spends

  • Rent payments and Govt Related transactions

  • Cash Advances

  • Payment of Outstanding Balances

  • Cayment of card fees and other charges

  • Smart EMI / Dial an EMI transactions

• If a cardholder breaches the monthly cycle capping of the product feature of 1,000 CashPoints, then CashPoints shall not be rewarded for the spends done beyond the monthly capping

• With effect from 1st January 2023, Rent payments and Govt related transactions will NOT earn Reward Points.

• 1% Cardholder will be getting 1% Cashback on the below type of EMI’s

  • Merchant/EasyEMI

  • Aggregator EMI

  • Brand EMI

• SmartEMI/Dial An EMI (DAE) is not considered under this feature

• If a cardholder did an EMI transaction on the 10 online merchants under 5% Cashback category, then cardholder will get 1% cashback.

• Only EMI principal amount will be rewarded with CashPoints. Interest & processing fees amounts will not eligible for CashPoints.

A cardholder will be eligible for 1% CashPoints as per product feature if he/she does a transaction through SmartBuy/PayZapp which includes transaction from 10 online merchants also. All other existing SmartBuy/PayZapp offers will be applicable as per SmartBuy/PayZapp Terms & Conditions.

Please note that there is a calendar month capping on CashPoints accrued on the below mentioned features. 

• Maximum capping for 5% cashback on 10 online merchants is 1,000 CP

• Maximum capping for 1% cashback on other spends is 1,000 CP 

• Cardholder will be getting ₹1000 worth gift voucher on spends of ₹1,00,000 and above in each calendar quarter.

• Cardholder can view the spends achievement via Net Banking. Please follow the path to check:

  Net banking login → cards →Enquire →Redeem Reward Points → Select Card →My Rewards → Spend Promo Details Once cardholder is eligible post achieving the target, voucher message will be triggered to registered phone number & email ID within 30 working days.

Apply for the HDFC Bank Millennia Credit Card online by checking eligibility on the official website. Submit the required documents, online or by visiting your nearest branch. Upon approval, get your new HDFC Bank Millennia Credit Card.  

CashPoints are an exclusive Rewards metric system created for our Credit Cardholders. CashPoints can be utilized towards CashBack redemption against the statement at the rate of 1 CashPoint = ₹1 for Millennia Credit Card Holders.

Please note that CashPoints will be posted as Reward Points only

• 1% Fuel Surcharge Waiver

  • 1% Fuel Surcharge waiver on fuel transactions (Minimum transaction of ₹400, Maximum transaction of ₹5,000 & Maximum CashBack of ₹250 per statement cycle)

  • The rate of surcharge may vary depending on the fuel station and their acquiring bank. GST is as applicable.

• Exclusive Dining Privileges

  • Get up to 20 % savings off on all your restaurant bill payments via Swiggy Dineout (20k + restaurants) (Offer inclusive of Restaurant and Swiggy Discount). Offer valid only on payments done via Swiggy App

The credit limit on your HDFC Bank Millennia Credit Card is determined based on your creditworthiness, financial history, and income.

• 5% CashBack on 10 online merchants (Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber & Zomato) 

• 1% CashBack on all other spends (except Fuel, Rent Payments and Govt Related txns) including EMI spends & Wallet loads

  Note: With effect from 1st January 2023, Rent payments and Govt Related transactions will NOT earn Reward Points 

• There is no minimum transaction value for earning CashPoints and cardholder will get an assured reward on all the transactions (except fuel transaction)

• You will get upto 45 days of interest free period to payback the amount.

• CashBack will be given in the form of CashPoints, which can be redeemed by the customer against the statement balance

• The redemption against the statement balance will be at the rate of 1 CashPoint = ₹1, and can be done via Net Banking login, Phone Banking, or physical redemption form.

• The minimum CashPoint balance required for redemption against the statement balance is 500 CashPoints

• CashPoints 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 CashPoint = ₹0.30

• With effect from 1st February 2023, Reward points redemption for CashBack redemption are capped per calendar month to 3000 rewards points

• Flights and Hotels redemption information, Credit Card members can redeem up to a maximum of 50% of the booking value through Cash Points. Rest of the transaction amount will have to be paid via the Credit Card limit.

• With effect from 1st January 2023, Reward points redemption for flights & hotels bookings are capped per calendar month at 50,000. 

• With effect from 1st February 2023, cardmembers can redeem upto 70% of product/Voucher value through Reward points on select vouchers/products and pay the remaining amount via Credit card.

• Unredeemed CashPoints will expire/lapse within 2 years of accumulation

Cardholder can maximise CashPoints earning through below ways:

• Earn 5% CashBack from 10 Online Merchants.

• Earn 1% CashBack even on Wallet loads and all the EMI spends

The eligibility criteria for HDFC Bank Millenia Credit Card is

Salaried

• Age Range: Minimum 21 years to maximum 40 years

• Income Requirement: Net Monthly Income exceeding ₹35,000

Self-Employed

• Age Range: Minimum 21 years to maximum 40 years

• Income Requirement: Annual ITR (Income Tax Return) over ₹6 lakh

A cardholder will be eligible for 1% CashPoints if he/she orders in Uber Eats. The 5% CashPoints on Uber is eligible for travel/commute related spends. The Uber transactions carried out through the MCC code of 4121 (as defined by card networks Visa, MasterCard, RuPay and Diners) will only be considered for 5% CashPoints.

The total CashPoints earned in a cycle will reflect in the subsequent statement of the cardholder.

Yes, the HDFC Bank Millennia Credit Card is globally accepted. You can use it for international transactions by activating it for international usage.

• The HDFC Bank Millennia Credit Card is enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets (Check for the contactless network symbol on the card plastic)

  Please note that in India, payment through contactless mode is allowed for a maximum of ₹5,000 for a single transaction where you are not asked to input your Credit Card PIN. However, if the amount is higher than or equal to ₹5,000, the Card holder has to enter the Credit Card PIN for security reasons.

• First Year Membership Fee – ₹1000/- + Applicable Taxes

• Renewal Membership Fee – ₹1000/- + Applicable Taxes

• Spend ₹1,00,000 in 12 Months and get Renewal Fee waived for next renewal year

The HDFC Bank Millennia Credit Card, known for its great cashback, offers a range of benefits. This includes 5% cashback on top merchants, quarterly gift vouchers, exclusive dining privileges, and lots more.  You can check the features section above to explore the detailed HDFC Bank Millennia Credit Card features.

• Quarterly spend based benefit of ₹1000 worth gift vouchers on spends of ₹1,00,000 and above in each calendar quarter

• You will receive a Welcome Benefit of 1000 CashPoints (applicable only on payment of Joining membership fee)

• Cashback of 5% will be calculated basis the Terminal / merchant IDs (TIDs & MIDs) shared by the respective merchant partners. If in case the TID / MID is not available in the set-up, such transactions will not qualify for the benefit.