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HDFC Bank Millennia Credit Card

My first venture into the realm of credit cards commenced with the HDFC Millennia Credit Card. While I qualified for the HDFC Moneyback card as well, I opted for the Millennia card due to its appealing rewards structure, particularly for purchases from popular everyday brands such as Zomato, Amazon, Swiggy, Uber, and more. This card also provides the unique advantage of cashback on EMI payments and wallet reloads, a perk seldom found on entry-level credit cards. To gain insights into my firsthand encounter with the HDFC Millennia Credit Card, explore its comprehensive array of features spanning various categories.

Key Highlights of HDFC Bank Millennia Credit Card

1. Suitability: Ideal for Cashback and Online Shopping enthusiasts.

2. HDFC Millennia Credit Card Offers: Receive 1,000 rewards when you pay for your membership.

3. HDFC Millennia Credit Card Salary Limits:

  • For Salaried Individuals: Minimum salary of Rs. 35,000 per month.
  • For Self-employed Individuals: Minimum Income Tax Return (ITR) of more than Rs. 6 lakh per annum.

4. HDFC Millennia Credit Card Renewal Fee: The yearly fee for renewal amounts to Rs. 1,000.

Features and Benefits of HDFC Bank Millennia Credit Card

1. Welcome Benefits:

  • Cardholders receive 1,000 bonus CashPoints upon successful payment of the joining fee.

2. Travel Benefits:

  • With the HDFC Millennia Credit Card, cardholders can relish 8 free trips to domestic airport lounges annually, capped at 2 visits per quarter.

3. Dining Benefits:

  • Up to a 20% discount at partner restaurants via Swiggy Dineout Passport during the initial 3 months of card membership.
  • Gain entry to the exclusive Good Food Trail Dining program, offering access to upscale eateries in major cities such as:
  • Assured 25% discount at 2000+ premium restaurants.
  • 1+1 buffet at 200+ restaurants.
  • 1+1 on food/drinks at select restaurants.
  • Note: Discounts are not valid on certain occasions (e.g., New Year’s day/eve, Christmas day/eve, Valentine’s day). Dineout membership benefits are applicable to the primary cardholder only, accessible via the Dineout app.

4. Fuel Surcharge Waiver:

  • Cardholders enjoy a 1% waiver on the fuel surcharge when the transaction amount at any Indian petrol station is a minimum of Rs. 400. The maximum waiver amount per payment cycle is Rs. 250.

5. Joining and Renewal Fee Waiver:

  • The annual fee for this credit card is Rs. 1,000, which can be waived if the cardholder spends over Rs. 1,00,000 in an anniversary year.

6. Interest-Free Credit Period:

  • Cardholders can avail of an interest-free credit period of approximately 50 days from the day of purchase, depending on when the merchant submits the charge.

7. Zero Liability Protection:

  • This feature ensures that if a cardholder’s card is lost or stolen, they won’t be responsible for any fraudulent transactions, as long as they notify the bank within 24 hours of the incident.

HDFC Bank Millennia Credit Card Fees and Charges

  • Fee or Charge Amounts:
  1. Annual Charges: Rs. 1,000
  2. Joining Charges: Rs. 1,000
  3. Finance Charges: 3.6% per month / 43.2% per annum
  • Late Payment Fee (Based on Outstanding Amount):
  1. Less than Rs. 100: Nil
  2. Rs. 100 to Rs. 500: Rs. 100
  3. Rs. 501 to Rs. 5,000: Rs. 500
  4. Rs. 5,001 to Rs. 10,000: Rs. 600
  5. Rs. 10,001 to Rs. 25,000: Rs. 800
  6. Rs. 25,001 to Rs. 50,000: Rs. 1,100
  7. Over Rs. 50,000: Rs. 1,300

Eligibility criteria for the HDFC Bank Millennia Credit Card

1. Eligibility for Salaried Individuals:

  • Nationality: Indian
  • Age: The age range spans from a minimum of 21 years to a maximum of 40 years.
  • Income Requirement: Gross Monthly Income must exceed ₹35,000

2. Eligibility for Self-Employed Individuals:

  • Nationality: Indian
  • Age: The age range should start at 21 years as the minimum and extend up to 40 years as the maximum.
  • Income Requirement: Minimum Income Tax Return (ITR) of more than ₹6.0 Lakhs per annum

Documents Required for HDFC Bank Millennia Credit Card

1. Proof of Identity:

  • Driving Licence
  • Aadhaar card
  • Passport

2. Address Proof:

  • Ration Card
  • Voter ID
  • Passport
  • Aadhaar card

3. Income Proof:

  • Salary Slip
  • Form 16
  • IT Returns

How to apply for HDFC Bank Millennia Credit Card

Steps to Apply for the Millennia Credit Card:

  1. Visit HDFC Bank’s official website.
  2. Navigate to the HDFC credit cards page.
  3. Find the “Sign Up” option positioned alongside the Millennia Credit Card and proceed by clicking on it.
  4. You will be redirected to HDFC’s credit card application page.
  5. Complete the application form on this page to submit your credit card application.

Frequently Asked Questions (FAQs)

  1. What’s the HDFC Bank Millennia Credit Card all about?

The HDFC Bank Millennia Credit Card targets young adults and offers perks like cashback, rewards, and discounts on dining, shopping, and travel.

  1. How do I get an HDFC Bank Millennia Credit Card?

To snag one, you can apply online via the HDFC Bank website or head to a branch. Just fill in your personal and financial details.

  1. What makes the HDFC Bank Millennia Credit Card special?

It dishes out cashback on shopping and online splurges, rewards on various transactions, milestone perks, fuel surcharge waivers, and discounts on dining and travel.

  1. Who’s eligible for an HDFC Bank Millennia Credit Card?

Usually, folks aged 21 to 60 with a steady income are good to go. Your credit history and other factors also matter during approval.

  1. How do I track my HDFC Bank Millennia Credit Card application?

Easy—hop online to the HDFC Bank website or ring up their customer care for a status update.

  1. What’s the deal with cashback on the HDFC Bank Millennia Credit Card?

It’s like getting money back on shopping, groceries, and bills. The cashback lands in your account, helping you save on daily expenses.

  1. Any annual fees for the HDFC Bank Millennia Credit Card?

The annual fee varies. Some versions have no fee, while others might waive it if you hit certain spending targets.

  1. How do I cash in on the rewards from my HDFC Bank Millennia Credit Card?

Head to the HDFC Bank rewards portal to redeem your points. You can score gift vouchers, goodies, or discounts at partner stores.

  1. Is there a cap on cashback or rewards with the HDFC Bank Millennia Credit Card?

Yep, depending on your card’s terms and conditions, there might be a limit on how much cashback or rewards you can rake in.

  1. How can I reach HDFC Bank customer care about my Millennia Credit Card?

Just dial the number on the back of your card or hit up the HDFC Bank website for their helpline. If you prefer face-to-face help, pop into a nearby HDFC Bank branch.