HDFC Bank Millennia Credit Card

Joining Fee: Rs. 1,000 (plus applicable taxes)
Renewal Fee: Rs. 1,000 (plus taxes).
Best Suited For: Shopping
Reward Type: Reward Points
Welcome Benefites: 1,000 CashPoints as a Welcome Benefit.

Apply Now

Add to Compare

A cashback credit by HDFC Bank, the HDFC Bank Millennia Credit Card targets the Gen-Y – the ‘90s kids or the millennials. The HDFC Millennia card is offered in three variants- Visa, MasterCard, and Diners Club variant. Being a basic credit card, this is placed at an annual fee of Rs. 1,000 (taxes extra). Keeping its target customers in mind, HDFC Bank offers a 5% cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato and a cashback of 1% on all other online and offline spends. The cashback is processed as CashPoints, which can be redeemed against the card’s statement balance, for flight/hotel reservations or for purchasing products from the HDFC product catalog. Also, the card offers great gift vouchers for meeting the milestone spend every quarter. It also offers dining discounts of up to 20% and a fuel surcharge waiver as well. The cardholder can also enjoy the welcome benefits as well as the renewal fee waiver offer associated with the card. Apart from the cashback, you also get complimentary lounge visits to domestic airports in India. Keep reading our HDFC Bank Millennia Credit Card review to know more about the card, its offerings, fees and charges, and other information.

New Features

Spend Based Waiver

The renewal fee is waived off if the cardholder spends Rs. 1 Lakh or more in the previous year.

Interest Rates

3.6% per month (or 43.2% per annum)

Add-on Card Fee

Nil

Rewards Redemption Fee

Rs. 99 per redemption request (plus applicable taxes)

Fuel Surcharge

1% Fuel surcharge which is waived if you spend minimum Rs 400 in single transaction. The maximum CashBack is capped at Rs. 250 per payment cycle.

Foreign Currency Markup

3.5% (plus applicable taxes)

Cash Advance Charges

2.5% of the transaction amount, subject to a minimum fee of Rs. 500

Movie & Dining

Up to 20% discount at partner restaurants with complimentary Swiggy Dineout

Travel

8 Complimentary airport lounge access every year, 2 per quarter

International Lounge Access

N/A

Rewards Rate

5% cashback (as CashPoints) at select partner online merchants and 1% cashback (as CashPoints) on all other spends (except fuel, rental, and govt. related transactions)

Golf

N/A

Insurance Benefits

N/A

Reward Redemption

Rewards processed as CashPoints, 1 CP = Re. 1 while redeeming against statement balance of credit card and 1 CP = Rs. 0.30 while redeeming against products and vouchers in the product catalogue, and against flight/hotel booking.

Domestic Lounge Access

2 complimentary visits per quarter. (8 in a year)

Zero Liability Protection

Zero liability of the credit cardholder in case of fraudulent transactions after you have reported about the loss or theft of the card to the bank.

Pros

Get high 5% cashback on partner merchants like Myntra, Amazon, Zomato, Swiggy, Uber, etc. Get access to 8 complimentary domestic airport lounges with the card Renewal fee waiver on spending Rs. 1 Lakh in the card anniversary year

Cons

You earn a low 1% cashback on offline/online spends at non-partner merchants The accelerated Cashpoints are capped at 1000 per statement cycle and you can earn 1000 Cashpoints at the normal 1x rate. Minimum 500 Cashpoints are needed to redeem against the card statement balance

Similar Cards

Add to Compare

Axis Bank Rewards Credit Card

Axis Bank recently launched the brand-new Rewards Credit Card, which is the perfect option for individuals who want unmatched rewards from their credit cards. Unlock great reward points for every purchase you make with the card along with accelerated 10x reward points for spends on departmental and apparel stores. Whether you are an avid shopper or a foodie, you can get great benefits with this card as it also provides 30% off food delivery from Swiggy. Available at a decent joining fee of Rs. 1000 plus taxes, you get 5,000 EDGE Reward Points as a welcome benefit, 1500 EDGE reward points on spending Rs. 30,000 or more monthly, and membership benefits worth Rs. 1000 every card anniversary year. Also, the card offers complimentary lounge access, dining benefits, insurance coverage, and other exciting privileges. Quite similar to the Flipkart Axis Bank Credit Card, this card is the perfect choice for shopping enthusiasts. Read on to know more about the Axis Bank Rewards Credit Card.

Add to Compare

Nature’s Basket SBI Card Elite

Nature’s Basket SBI Card Elite is a premium co-branded card offered by SBI Card in partnership with the Nature’s Basket. The card issuer has launched two variants – Nature’s Basket SBI Card Elite and Nature’s Basket SBI Card. The Elite card offers tons of benefits for the cardholders for Nature’s Basket. The welcomes you with a Nature’s basket gift voucher worth Rs. 5,000 and Complementary access to “Connoisseur” Nature’s Basket loyalty program. Apart from that the card has a strong reward rate where you can enjoy lots of reward points every time you shop from Nature’s Basket. Not only on this, the card also offers tons of reward points every time you use the card for Dining, Movies, Entertainment and International spends. The Elite card has every other feature that a premium card must showcase, like the airport lounge access, dining benefits and a dedicated concierge services. The card also offers spend based waiver of the annual fee. Therefore, the card has offered benefits in almost every category. Keep scrolling to get the detailed review of the Nature’s Basket SBI Card Elite.

Add to Compare

American Express Membership Rewards® Credit Card

American Express Membership Rewards® Credit Card(MRCC), issued by American Express offers exclusive benefits and privileges on every spending. The Membership Rewards® Credit Card charges you a joining fee of Rs 1,000 and a renewal fee of Rs 4,500. The renewal fee can be waived off on annual spending of Rs 1,50,000 or above. You can get 1 membership reward point per Rs 50 you spend, excluding fuel transactions, Utility bill payments, insurance, and cash transactions. On using your card 4 times on transactions of Rs 1,500 or more, get a bonus of 1,000 membership reward points. The Membership Rewards® Credit Card also has several other rewards and benefits, including monthly milestone rewards, fuel surcharge waiver, entertainment, and insurance benefits. Keep reading to know more about this credit card.

1 OFFER

Benefites of SBI Credit Card Total Benefits...

View Offers

Other Cards

View all