HDFC Millennia Credit Card

Benefits of HDFC Bank Millennia Credit Card

The following are the some of the key benefits of HDFC Bank Millennia credit card:

1. Cash points of 1000 will be offered as welcome benefit which is applicable on payment of membership fee
2. On minimum transaction of Rs.400 & maximum transaction of Rs.5,000, cardholders can avail themselves of 1% as fuel surcharge waiver (maximum of Rs.250 in in statement cycle) across all fuel stations in India
3. Cardholders can avail themselves of renewal membership waiver for next year by spending Rs.1 lakh or more in the previous year
4. The HDFC Bank Millennia credit card comes with Smart EMI option that converts big purchase amount into EMIs
5. The card also facilitates contactless payment at retail outlets
   
6. HDFC Bank Millennia Credit Card ensures zero liability on any fraudulent transactions made using this card
7. From the date of purchase up to 50 days of interest free period is offered by HDFC Bank Millennia credit card
8. A nominal interest rate is offered on the HDFC Bank Millennia credit card transactions
9. Cash points are valid for only two years from the date of accumulation

Cashback can be earned by the below-given ways:

1. If you make payment for your shopping via SmartBuy and PayZapp for at least Rs.2,000, you can earn a cashback of 5% or Rs.750 per month. The maximum cashback given is Rs.1,000 per month for the initial 6 months from the card issue date.
2. Get a cashback of 2.5% and a maximum of Rs.750 per month provided the transaction amount is Rs.2,000. This is available for online spends.
3. All your offline purchases, wallet reloads, purchases through point-of-sale, etc., can earn you cashback of 1% on minimum purchase of Rs.100. The maximum cashback offered is Rs.750.
4. EMI transactions are also eligible for cashback benefits.

How to Redeem Cashback

The cashback that you earn can be accumulated and redeemed as CashPoints against the statement balance.

1. One CashPoint will be equivalent to Rs.1 and you will need to accumulate at least 2,500 CashPoints to redeem it.
2. CashPoints can be redeemed only in multiples of Rs.500.
3. You can redeem your CashPoints against Rewards Catalogue, flight and hotel bookings, at a value of 1 CashPoint = Rs.0.30.
4. The CashPoints must be redeemed before 1 year of accumulation.

Here are the steps to redeem cash points:

• Net Banking:
  • Log into your internet banking account using your credentials (user ID and password)
  • After logging in, click on the credit cards option
  • Register your credit card
  • Click on ‘Register New Card’
  • Enter four-digit credit card PIN to complete the registration process
  • Click on ‘Redeem Reward Points link’ to redeem your cash points
  • If your card is already registered, then select your card and click on ‘Continue’
  • On the homepage, Click on Redeem Reward Points
  • Select the point range
  • View catalogue, to select the product
  • Add the products from shopping cart
  • Redeem your cash points during checkout
• Post:
  • Download the Reward Redemption Form online
  • Fill in the redemption form
  • Post the form to the official mailing address of HDFC Bank

HDFC Bank Millennia Credit Card Fees & Charges

Here is the list of fees and charges applied on HDFC Bank Millennia credit card:

Note:

1. Annual fee can be waived off on spending Rs.1 lakh on the previous year
2. Fuel surcharge waiver is capped at Rs.250 for a minimum and maximum transaction of Rs.400 to Rs.5000, respectively

Eligibility Criteria for HDFC Bank Millennia Credit Card

To be eligible for the HDFC Bank Millennia Credit Card, you need to fulfill the below-given criteria:

Documents required for HDFC Bank Millennia Credit Card

The following are the documents for HDFC Bank Millennia credit card:

• Proof of Identity
  • Driving Licence
  • Aadhaar card
  • Passport
• Address Proof
  • Ration Card
  • Voter ID
  • Passport
  • Aadhaar card
• Income Proof
  • Salary Slip
  • Form 16
  • IT Returns

The list mentioned above is indicative. The bank may ask for additional documents as and when required during the application procedure.

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