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 spend (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 center, 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.
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 )
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 transaction of ₹400. Max CashBack of ₹250 per statement cycle)
Launch Offer:
₹1000 worth of 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 the first-year membership 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.
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 Cardholder 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. The 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
*Please check important Terms and Conditions for CashBack accrual and redemption.
| Product | Cost per Point (in Rs) | Airmiles (1RP = Airmiles) |
||
| Product Catalogue | Unified SmartBuy (Flights/Hotels) | Cash back | ||
| Millennia | upto 0.30 | 0.30 | 1 | 0.30 airmiles |
CashPoint validity:
- CashBack as per product features will be credited in the form of CashPoints. Cash Points are valid only for 1 year from the date of accumulation e.g., if you receive CashPoints in May 2020, the same will expire in May 2021.
