HDFC bank introduced this card in 2019, for the millennials. They launched the Millennia series of credit/debit/prepaid cards. There are a lot of exciting rewards that are provided along with the card. Hence, here we are going to provide you detail about every feature provided.
Joining Fees & Charges
|Joining/Renewal Membership Fee||Rs.1000/- plus Applicable Taxes|
*Renewal fee waived on spends of Rs. 1,00,000 in a year prior to renewal date.
|Welcome Benefit||1000 cash points|
|Launch offer||INR 1000 worth gift vouchers on spends of INR 1,00,000 and above in each calendar quarter (first year only).|
HDFC Bank keeps on changing launch/activation offers, so visit the website before applying for the same.
|Milestone Benefit||Spend ₹30000 & above in the first 90 days and get first year membership fee waived off.|
HDFC Millennia Reward Points
- 5% CashBack on Amazon, Flipkart, Flight & Hotel bookings on shopping via PayZapp and SmartBuy (minimum transaction size of ₹2000)
- 2.5% CashBack on all online spends (minimum transaction size of ₹2000)
- 1% CashBack on all offline spends and Wallet reloads (Minimum transaction size of ₹100)
The returns we get on this card is decent, but it comes with the time frame of 1 month only. Which means you have to make use of these points within a month, otherwise they will expire. I feel that they should keep the validity of these points for at least a quarter or for 6 months. Because most of the people are likely to do seasonal shopping instead of monthly shopping.
Reward Redemption & Validity:
- 1 CashPoint = INR 1 (for stmt credit)
- 1 CashPoint = INR 0.30 (for flight/hotel redemption)
- Redemption requirement: Min. of 2500 Points (for stmt credit)
Unredeemed CashPoints will expire/lapse within 1 year of accumulation
You can claim your reward through;
- Net Banking
- Customer Support
HDFC Bank Infinia Credit Card
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 Jan 2021, the same will expire in Jan 2022.
Fuel Surcharge Waiver
1% fuel surcharge waiver at all fuel stations across India (on minimum transaction of ₹400. Max CashBack of ₹250 per statement cycle)
HDFC Millennia comes with an option to convert your large transactions to EMIs. And this too without impacting your cashback points.
Millennia is issued on Visa Signature, Mastercard World & Diners Club platforms.
Usually, the variant is provided by the bank himself. You can not choose which variant you want. But in case you’re getting difficulty doing transactions with the available variant. You can make a request in the bank with your stated reason to change the variant.
Airport Lounge Access
- Domestic: 2 complimentary access/quarter
- Network: MasterCard, visa or diners
INR2 is charged every time you swipe a Millennia card towards lounge access.
HDFC Bank Millennia Credit Card Eligibility:
For Salaried Indian national
- Age: Min 21 yrs & Max 60 Yrs,
- Income: Gross Monthly Income> ₹25,000
For Self Employed Indian national
- Age: Min 21 yrs & Max 65 Yrs,
- Income: ITR > ₹6.0 Lakhs per annum
The card rating is dependent upon the requirement of the card holder. If you’re looking for rewards, you would be disappointed with too many rules. So in that case, HDFC Millennia is not for you. If you’re a seasonal shopper, like shopping during the festive season, it’s a very good product as you could save pretty well on Festive promos alone. If you intend to upgrade from HDFC Moneyback card, Millennia is definitely a very good option in terms of rewards and benefits.
What are the benefits of HDFC millennia credit card?
5% CashBack on Amazon, Flipkart, Flight & Hotel bookings on shopping via PayZapp and SmartBuy.
2.5% CashBack on all online spends.
1% CashBack on all offline spends and wallet reloads.
8 Complimentary Domestic Airport Lounge access annually.
How can I make my HDFC millennia credit card lifetime free?
1st Year – 1,000.Waived on completing 2 transactions in a month for first 3 consecutive months.
2nd Year Onwards – 1,000.Waived if annual spends > 1 lakh.
Lifetime FREE on completing 4 transactions of 500+ in a month for first 3 consecutive months.
What is HDFC smart pay?
SmartPay is a customer friendly feature that allows you to automatically make all your utility bill payments through your HDFC Bank Credit Card. Once SmartPay is activated, our Cards Division will make payments on your behalf to the utility companies before the due date and debit the amount to your Credit Card.
How can I increase my HDFC credit card limit?
Apply through Net Banking.
Call HDFC Bank Customer Care.
Visit HDFC Bank nearest branch.
HDFC Bank approaches you.