The HDFC Millenia Credit Card is designed to cater to the growing lifestyle needs of millennials. A popular credit option, this card from HDFC offers umpteen cashback benefits. While this is its major advantage, its benefits don’t stop there.
From offering lounge access across airports throughout India to providing fuel surcharge waivers, the HDFC Millenia Credit Card offers true value. Read on to learn more about its features and benefits.
Key Features of HDFC Millenia Credit Card
With the HDFC Millenia Credit Card, you can get up to 5% cashback for purchases made on Amazon, BookMyShow, Flipkart, Myntra, Sony LIV, Tata CLiQ, and Cult.fit up to ₹1,000 each month.
What’s more, for every meal you book on Zomato or Swiggy, you are eligible for a 5% cashback. Each time you swipe your HDFC Millenia Credit Card, you qualify for a cashback incentive too. You can thus save money for all online transactions on these merchant sites.
You can enjoy up to 2.5% cashback benefits if you complete online spends on other sites. Here, you can get a maximum cashback of ₹250, provided your minimum transaction is ₹2,000.
You are also eligible for 1% cashback on all other offline spends that include wallet recharge or EMI payments except on fuel recharge.
You can get the maximum cashback of ₹750 on HDFC Millenia Credit Card. However, ensure that you complete a minimum transaction of ₹100 to enjoy this 1% benefit.
You can also get gift vouchers worth ₹1000 when you make purchases of ₹1,00,000 and above during each calendar quarter. Want to have a favourite meal with your loved ones? Use your HDFC Millenia Credit Card and get up to 20% discount on all partner restaurants booked via Dineout.
While you can avail the welcome benefit of 1,000 cash points on HDFC Millenia Credit Card, you are also provided with 8 free domestic lounge visits for each calendar year at any domestic airport.
With renewal charges waived, it is no wonder that the HDFC Millenia Credit Card is the most sought-after credit card. In addition, you can get a 1% fuel surcharge waiver at any fuel station in India for a minimum transaction amount of ₹400 and a maximum of ₹5,000.
With so many benefits and more, HDFC Millenia Credit Card rewards you every month for all your spends.
Redeem Your Cashback on the HDFC Millenia Credit Card
You can also accumulate your cashback rewards as cashpoints. Each cashpoint has a value of ₹1 and you can redeem it when you earn 500 cash points against your statement balance.
You may also redeem cash points for availing travel benefits like hotel and flight bookings. As a HDFC Millenia Credit Cardholder, you can redeem up to 50% of the total amount using these reward points throughout the calendar year.
Convert Your Big Spends to a HDFC Credit Card EMI
EMI conversion at nominal interest rates is also one of the key benefits of the HDFC Millenia Credit Card. For instance, assume you have made a big purchase and want to pay the dues in instalments. With the HDFC credit card EMI option, that’s exactly what you can do!
Apart from big-ticket spends, you can even use the HDFC credit card EMI option for your regular purchases. You can make the following purchases using the EMI feature:
- Medical
- Petrol
- Insurance
- Groceries
- Education
- Travel
- Electronics
- Utility
With flexible tenure options, you can pay off your EMIs without financial stress. Simply choose any tenure between 6 and 24 months based on your convenience. For ease, use the HFDC credit card EMI calculator.
This online tool helps you determine your repayment schedule and EMIs across your loan tenure. However, be aware that reward points earned for any purchase made through HDFC Millenia Credit Card will get reversed once you convert them to EMIs.
Meet Simple Eligibility Criteria to Get the HDFC Millenia Credit Card
It is easy to avail this credit card from HDFC. All you need to do is fulfil the following eligibility parameters:
- As a salaried or self-employed individual, you must be between the age of 21 and 40 years and an Indian national to qualify for the HDFC Millenia Credit Card.
- For salaried professionals, the minimum monthly income requirement is ₹35,000.
- If you are self-employed, your income tax returns should be more than ₹6 Lakhs per annum.
All you need to do is submit KYC documentation along with income proof to get this card and enjoy its cashback benefits.
Know the charges for getting the HDFC Millenia Credit Card
To get the HDFC Millenia Credit Card, you must pay ₹1,000 as the first-year membership fee along with applicable taxes. In addition, renewal fees are charged at ₹1,000 with taxes. To get them waived off, spend at least ₹1 Lakh or more in the last 12 months.
This way, you get a waiver for the following year. However, there is a cash advance fee charged at 2.5% of the total value withdrawn or ₹500, whichever is higher. So, each time you use the HDFC Millenia Credit Card to withdraw cash, be aware of these charges.
Among different types of credit cards flooding the market, HDFC Millenia Credit Card is a smart choice for millennials. Before you purchase the card, check if it suits your lifestyle and make an informed decision.
