FEATURES

Card Type


CashBack

Key Features


  • 5% CashBack on Amazon, Flipkart, Flight & Hotel bookings on shopping via PayZapp and SmartBuy (minimum transaction size of ₹2000, Max ₹1000 CashBack per calendar month in first 6 months, Max ₹ 750 CashBack post 6 months from card issuance)
  • 2.5% CashBack on all online spends (minimum transaction size of ₹2000, maximum CashBack = ₹750 / calendar month)
  • 1% CashBack on all offline spends and Wallet reloads (Minimum transaction size of ₹100, maximum CashBack = ₹750 / calendar month)

Additional Features


  • Zero Lost card liability : In the unfortunate event of losing your HDFC Bank Millennia Credit Card, on reporting it immediately to our 24-hour call centre, you have zero liability on any fraudulent transactions made on your Credit Card. 
  • Interest Free Credit Period : Up to 50 days of interest free period on your HDFC Bank Millennia Credit Card from the date of purchase (subject to the submission of the charge by the Merchant)
  • Revolving Credit : Available at a nominal interest rate on your HDFC Bank Millennia Credit Card. Please refer to Fees and Charges section to know more.

Lounge Access


8 Complimentary Domestic Lounge Access per calendar year (2 in a quarter. ₹2 will be charged per swipe on your Millennia credit Card towards Lounge access )                                      
For MasterCard Lounge Program Click here
For Visa Lounge Program Click here
Diners Club International Lounge Program (2 in a quarter. ₹2 will be charged per swipe on your Millennia credit Card towards Lounge access ) 

Fuel Surcharge Waiver


1% fuel surcharge waiver at all fuel stations across India 
(on minimum trasaction of ₹400. Max CashBack of ₹250 per statement cycle)

Launch Offer


₹1000 worth gift vouchers on spends of ₹1,00,000 and above in each calendar quarter, for the first year only.

Welcome Benefit


1000 Cash Points 
(applicable only on payment of membership fee)

Milestone Benefit


Spend ₹30000 & above in the first 90 days and get first year memebership fee waived off. 

Renewal Offer


Renewal membership fee waived off by spending ₹1,00,000 and above in the first year

Smart EMI


HDFC Bank Millennia Credit Card comes with an option to convert your big spends into EMI after purchase. To know more click ​​​​​​​

All CashBack benefits are also applicable on EMI transactions.

Contactless Payment


  • The HDFC Bank Millennia Credit Card is enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets. 
  • To see if your Card is contactless, look for the contactless network symbol on your Card. 

(Please note that in India, payment through contactless mode is allowed for a maximum of ₹5000 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 ₹5000, the Card holder has to enter the Credit Card PIN for security reasons)

Reward Point/CashBack Redemption & Validity


CashBack Accrual:

CashBack will be given in the form of CashPoints, which can be redeemed by you against the statement balance (on request only).

  • The redemption against the statement balance will be at the rate of 1 CashPoint = ₹1
  • The minimum CashPoint balance required for redemption against the statement balance is 2500 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 = Upto ₹0.30.
  • Unredeemed CashPoints will expire/lapse within 1 year of accumulation
  • Flights and Hotels redemption information, Credit Card members can redeem up to a maximum of 50% of the booking value through Reward Points. Rest of the transaction amount will have to be paid via the Credit Card limit
  • Redeem CashPoints at the conversion rate of 1 CashPoint = ₹0.30
  • For further details, on the process to redeem CashPoints, Click here

*Please check important Terms and Conditions for CashBack accrual and redemption.

ProductCost per Point (in Rs)Airmiles
(1RP = Airmiles)
Product CatalogueUnified SmartBuy (Flights/Hotels)Cash back
Millenniaupto 0.300.3010.30 airmiles



CashPoint validity:

  • CashBack as per product features will be credited in the form of Cash Points. Cash Points are valid only for 1 years from the date of accumulation e.g., if you receive CashPoints in May 2020, same will expire in May 2021.

ELIGIBILITY

FEES & CHARGES