HDFC Millennia Credit Card: Benefits, Eligibility, Fees & Charges

The HDFC Millennia Credit Card offers a great way to save while shopping or dining online. For instance, when you spend ₹1,000 on platforms like Flipkart, Swiggy, Uber and BookMyShow, you earn a cashback of ₹50.

Whether you are looking to enhance your purchasing power or enjoy exclusive perks, the HDFC Millennia Credit Card is designed to offer value.

HDFC Millennia Credit Card Benefits

Using HDFC Millennia Credit Card, you can earn a 5% cashback on brands like Myntra, Flipkart, Amazon, Tata CLiQ, Zomato, Swiggy, BookMyShow, Uber, Cult.fit and SonyLIV.

The other benefits that you can get from this card are as follows:

• You can get a ₹1,000 worth gift voucher on spending ₹1 lakh per calendar quarter.
• If you use PayZapp, you can get ₹1,000 cash back across over 200 brands.
• You can get reward points equivalent to the membership fee you pay.
• The card offers dining delights via the Good Food Trail Program.
• If you use Swiggy Dineout, you can get a 20% discount at partnered restaurants.
• In case you use SmartBuy to book hotels and flight tickets, you can get a 10% cashback.
• If you meet the quarterly spend criteria, you can access domestic airport lounges.

HDFC Millennia Credit Card Fees

Millennia Credit Card by HDFC Bank attracts a joining fee of ₹1,000 in addition to applicable taxes. The renewal fee for the card is the same as the joining fee.

However, if you spend at least ₹1 lakh prior to renewal using the card, your renewal fee gets waived off. 

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Eligibility Criteria for HDFC Millennia Credit Card

To apply for the HDFC Millennia Credit Card, applicants must meet specific age and income criteria. 

The minimum age requirement is 21 years, while the maximum age limit is 60 years for salaried individuals and 65 years for self-employed individuals. 

As for the income criteria, salaried applicants must have a monthly income of at least ₹35,000, whereas self-employed individuals should have an annual Income Tax Return (ITR) of ₹6 lakh or more.

Things to Know About Reward Redemption Value on HDFC Millennia Credit Card

The cashback earned on the HDFC Millennia Credit Card is credited in the form of cash points, where each cash point is valued at ₹1. 

Here are the other ways to redeem your cash points and their respective values: 

• Redemption value for flights, rewards and hotels via SmartBuy is 1 cash point = ₹0.30.
• If you do not redeem your cash points, they will expire after 2 years.
• For hotel and flight bookings, you can use 50% of your reward points and the rest you need to pay with your credit card limit.
• Redemption of cash points for airmiles and product catalogue is valued at ₹0.30 for every reward point.

How to Redeem Rewards Using HDFC Net Banking?

You can redeem your earned reward points by logging in to your HDFC Bank Net Banking portal using valid credentials. Here is the process to redeem:

Step 1: Navigate to the ‘Credit Cards’ option.

Step 2: To register your HDFC Millennia Credit Card, go to the 'Register New Card' option and enter the 4-digit PIN.

Step 3: Click on the ‘Redeem Reward Points’ link.

Step 4: Choose ‘HDFC Millennia Credit Card’ to proceed to the online reward redemption portal.

Step 5: Click on the ‘Redeem Reward Points’ option.

Step 6: Choose the rewards range and the category of item to view the catalogue.

Step 7: Choose the products and click on ‘Shopping Cart’ to review and edit.

Step 8: Click on the checkbox after you read the terms and conditions.

Step 9: Check the registered email address, phone number and address displayed on the screen.

Step 10: Note the redemption order number for future reference and tracking.Add HDFC Millennia Credit Card to the Pice app and forget about late payment and interest charges.

Download the app now for timely bill payment!

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