Basic Information

Welcome Benefits Welcome Benefit: Membership fee के बराबर Reward Points; ₹1,000 + applicable taxes की membership fee पर 1,000 Reward Points

Card Details Card Name: HDFC Bank Millennia Credit Card; Bank Name: HDFC Bank; Card Type: Cashback Credit Card; Network: Visa / Mastercard / RuPay (variant dependent)

Card Category Mid Premium

Payment Network visa, mastercard, rupay

Eligibility Nationality: Indian; Age: 21–40 years; Salaried: Net Monthly Income > ₹35,000; Self-employed: ITR > ₹6 lakh per annum

Rewards Program

Reward Points Reward Rate: 5% cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber & Zomato; Other eligible spends: 1%; Reward Value: 1 CashPoint = ₹1 statement cashback; Reward Expiry: 1 year

Cashback Cashback Rate: 5% on 10 selected merchants; 1% on other eligible spends; Cashback Limit: ₹1,000 per statement cycle for selected merchants; ₹1,000 per statement cycle for other eligible spends

Redemption Statement balance cashback at 1 CashPoint = ₹1; SmartBuy travel/rewards catalogue at 1 CashPoint = ₹0.30; Minimum redemption: 2,500 CashPoints; Redemption in multiples of ₹500

Milestone Rewards ₹1,000 gift voucher या 1 domestic airport lounge access on spends of ₹1,00,000 or more in each calendar quarter

Travel Benefits

Airport Lounge Milestone benefit: 1 domestic airport lounge access on ₹1,00,000 quarterly spend; Regular complimentary domestic lounge access: Not available from 1 December 2023

Shopping Benefits

Online Shopping 5% cashback on Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, Uber, BookMyShow, Sony LIV & Cult.fit

Brand Offers Up to 10% additional cashback via PayZapp Shop / SmartBuy on 200+ brands

Fuel Benefits

Fuel Savings 1% fuel surcharge waiver at all fuel stations in India; Minimum transaction: ₹400; Maximum transaction: ₹5,000; Maximum waiver: ₹250 per statement cycle

Dining & Entertainment

Dining 10% additional discount on Swiggy Dineout using coupon code HDFCCARDS

Daily Spending Benefits

Utility Bills Utility bill payments: No specific cashback benefit found

Insurance & Protection

Card Security Zero lost card liability on reporting the card loss immediately to HDFC Bank

Digital Features

Payments Contactless Payment (Tap & Pay); UPI on Credit Card: Not specifically mentioned

Banking Features Card Management through HDFC Bank MyCards; Interest-free credit period: Up to 50 days

Add-on Features

EMI Features Smart EMI: Big purchases can be converted into EMI after purchase

Fees & Charges

Joining Charges Joining Fee: ₹1,000 + applicable taxes

Annual Charges Annual Fee: ₹1,000 + applicable taxes; Annual Fee Waiver: पिछले वर्ष ₹1,00,000 या अधिक खर्च करने पर renewal fee waived

Customer Support

Service 24×7 customer support / lost-card reporting through HDFC Bank call centre

Performance & Ratings

Best Usage Best For: Online Shopping, Cashback, Everyday Spending, Fuel

Advantages 5% cashback on selected merchants; 1% cashback on other eligible spends; ₹1,00,000 annual spend fee waiver; Fuel surcharge waiver; SmartBuy / PayZapp offers

Limitations Regular domestic airport lounge access discontinued; Fuel, EMI, wallet, rent and government-related transactions excluded from cashback; Education payments through third-party apps do not earn Reward Points; Selected merchant cashback is subject to cycle limits