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HDFC Bank Millennia Credit Card
★★★★☆(4.5)This card is not just for millennials but for the GenZs too! How? It offers a 5% cashback on your favourite platforms like Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato, and also a cashback of 1% on all other online and offline spends! The best part? It comes with a joining and annual fee of just ₹1,000, which is waived if you spend ₹1,00,000 or more in a year. Want to know more? Check out the review below! 👇
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Features and Benefits
Aspects that make spending using this card lit as the sun!
Fee and Charges
Think of these as small investments to keep your credit card running smoothly.
Charges
Joining Fee
₹1,000Annual Fee
₹1,000Annual Percentage Rate
43.2%Add-on Card Fee
FreeMinimum Repayment Amount
5%Cash Withdrawal Fee
2.50%Cash Advance Limit
40%Card Replacement Fee
₹100Foreign Transaction Fee
3.50%Over Limit Penalty
2.50%Fuel Transaction Surcharge
2.50%Reward Point Value
₹1Balance more than ₹50000
₹1300Pros
Aspects that make this credit card amazing.
- ⮚Users can earn points for each purchase they make.
- ⮚One can earn up to 5% cashback on cinema tickets and 1% cashback on anything else.
- ⮚Joining fee of this card is easily recovered in the 1,000 Cash Point given as a welcome benefit.
- ⮚Points are offered on wallet loads.
Cons
Aspects this credit card lacks.
- ⮚No benefits are provided in terms of Cash Points or otherwise on renewal of the card.
- ⮚There are limits in cashback offered on shopping after the first six months.
- ⮚Reward points are not earned in real-time. Instead, they are added in bulk at the beginning of each month.
- ⮚No reward points on rent payments, fuel and government transactions.
- ⮚The 5% cashback category is limited to specific merchants. For cashback on all purchases, you can consider SBI Cashback Credit Card.
HDFC Bank Millennia Credit Card Review
This is the truth, the whole truth, and nothing but the truth; brought to you by the other users.
If you're an avid online shopper on Amazon, Flipkart, or Myntra, love to spend online, and frequently travel within India, the HDFC Millennia Credit Card will be the ideal card for you. It offers amazing incentives and benefits, focusing on shopping and travel cashback.
For those new to the credit card scene, the HDFC Millennia is a must-have in your wallet! However, if you want to earn cashback beyond the selected merchants, you can consider exploring other credit cards. Here are some alternatives:
Overview
| Best For | Online shopping and cashback |
|---|---|
| Joining Fee | ₹1,000 |
| Annual Fee | ₹1,000 (waived off on a spend of ₹1 lakh the previous year) |
| Welcome Benefits | 1,000 Cash Points |
HDFC Bank Millennia Credit Card Maximum Cashback
| Type | Cash Point |
|---|---|
| Flights and Hotels | 1 |
| Other Purchases | 1 |
Who should get an HDFC Bank Millennia Credit Card?
As the name implies, the HDFC Millennia card is one for young professionals looking to start their credit adventure and create a good credit profile. With its target clients in mind, HDFC Bank provides additional perks while buying on partner websites like Amazon and Flipkart.
If a user purchases online often, particularly with the firms with whom HDFC Bank has partnered, they should consider acquiring this card. Furthermore, the yearly charge is inexpensive and may be waived with annual spending of ₹1,00,000 only, which is an additional benefit.
It is vital to note that the HDFC Millennia Card does not provide direct cashback; instead, users will earn Cash Points, which may be redeemed for statement credit in a 1:1 ratio. Though it has no bearing on the value of the advantages, users may evaluate their selections if redeeming reward points is a task.
How to Apply for an HDFC Bank Millennia Credit Card?
HDFC Bank Millennia Credit Card Eligibility
- Age: 21 to 40 years
- Occupation: Salaried or Self Employed
- Income: Salaried - ₹35,000 p.m., Self-Employed: ITR > ₹6.0 Lakhs p.a.
- Resident: Indian
Documents Required
- Proof of identity: Proof of identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
- Proof of Address: Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government approved address proof.
- Proof of Income: Proof of Income: Latest one or two salary slips (not more than 3 months old), latest Form 16, and the last 3 months’ bank statement.