The HDFC Bank Millennia Credit Card is a great choice for those who frequently shop online and dine out. With this card, you can enjoy 5% cash back on purchases made on Amazon, BookMyShow, and Cult. fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, and Zomato. Additionally, you’ll earn 1% cash back on all other purchases (excluding fuel).
Table of Contents
Gift Cards and bonuses
If you spend over ₹1,00,000 in each calendar quarter, you’ll receive ₹1000 worth of gift vouchers as a bonus. You’ll also enjoy up to 20% discount on partner restaurants when using Dineout.
Interest Rate and Insurance
Other key features of the HDFC Bank Millennia Credit Card include zero lost card liability, up to 50 days of interest-free credit period, revolving credit at a nominal interest rate, exclusive dining privileges, and 8 complimentary domestic lounge access per calendar year.
Renewal Fees and Waivers
You’ll also benefit from a 1% fuel surcharge waiver at all fuel stations across India, a welcome benefit of 1000 Cash Points, and the option to waive the renewal membership fee if you spend over Rs 1 lakh in the preceding 12 months.
EMI Facility
The HDFC Bank Millennia Credit Card also comes with the option to convert big spends into EMI after purchase and enabled contactless payments, facilitating fast, convenient and secure payments at retail outlets.
Cashback Redemptions
Cashback will be given in the form of CashPoints, which can be redeemed by you against the statement balance (on request only) and also redeemable against travel benefits like Flight & Hotel bookings, and the Rewards Catalogue at the SmartBuy Rewards Portal.
New Announcements
With effect from 1st January 2023, Rent payments and Govt Related transactions will NOT earn Reward Points, and with effect from 1st February 2023, Redemption of Reward points for flights & hotels bookings are capped per calendar month at 50,000 and for CashBack, redemption is capped per calendar month to 3,000 rewards points.
Cardmembers can redeem up to 70% of product/Voucher value through Reward points on select vouchers/products.
Conclusion
HDFC Millennia credit card is particularly useful for people who frequently shop at partner merchants, pay utility bills, travel, or dine out, as they can earn reward points on these purchases. Additionally, the card also offers benefits such as a fuel surcharge waiver and discounts on movie tickets.
If you are looking for a credit card that offers rewards and benefits for your everyday spending, the HDFC Millennia Credit Card may be a good option for you.
1 thought on “Who Should Apply for HDFC Millennia Credit Card”