HDFC Bank Millennia Credit card
The HDFC Bank Millennia Credit Card is the one of the most popular credit cards offered by HDFC Bank. This cashback credit card offering has been focused Millennial lifestyle since its introduction in August 2019.
Charges
- Annual Fee: ₹1,000 + GST (renewable annually)
- Joining Fee: ₹1,000 + GST.
Annual Fee Waiver Condition
HDFC Bank offers a waiver of the renewal fee if the cardholder spends ₹1 lakh or more in the previous card membership year.
Welcome & Renewal Benefits
Upon successful card activation and realization of the joining or renewal fee, the cardholder receives:
- Reward Points (Cash Points) equivalent to the fee amount.
Key Features & Benefits
- 1% fuel surcharge waiver at all fuel stations across India (on minimum transaction of ₹400 & maximum transaction of ₹5,000. Maximum waiver of ₹250 per statement cycle)
- Exclusive Dining Privileges: Enjoy amazing dining benefits with Good Food Trail program. Get 10% additional discount on Swiggy Dineout using coupon code HDFCCARDS
Reward System
Online Shopping
- 5% Cashback on non-EMI spends on 10 Merchants - Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato.
- 1% cashback on other non-EMI spends (except Fuel, Wallet, Rent payments, Govt related transactions).
Offline Use
- 1% cashback (except Fuel, EMI, Wallet, Rent payments, Govt related transactions)
Milestone Benefits
The HDFC Bank Millennia Credit Card offers milestone rewards in the form of gift vouchers.
Cardholders who spend ₹1,00,000 or more in a calendar quarter are eligible for a ₹1,000 gift voucher.
Redeemable on brands like Amazon Pay, BigBasket, BookMyShow, Pizza Hut, PVR, and Uber.
Terms & Conditions
• CashBack shall mean the CashPoints awarded in the customer’s credit card account under the reward points scheme.
• The CashBack will be processed as per the following table:
| Spends on | CashBack Rate | Maximum CashBack/CashPoints per Cycle |
|---|---|---|
| CashBack on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber & Zomato* | 5% | 1000 |
| Other Spends** (except Fuel, EMI, Wallet, Rent payments, Govt related txns) | 1% | 1000 |
* CashBack valid only for non-emi spends in the 10 online merchants.
** Gift or Prepaid Card loads & Voucher Purchase transactions will be considered in other spends category.
Note:
• Effective 1st December 2023, complimentary lounge access on domestic airports will no longer be available on Millennia Credit Card
• Effective 1st September 2024, Education payments made through third-party apps will NOT earn Reward Points. However, education payments made directly through college/school websites or their POS machines will earn Reward Points.
• Effective 1st September 2024, Wallet loading and EMI transactions will NOT earn Reward Points.
Note : Cardholder can redeem CashPoints as CashBack against their outstanding on the Millennia Credit Card.The CashPoints will be posted on calendar month basis, the transaction settled in the system between 1st to 30/31st of the calendar month will be posted in the 1st week of the subsequent calendar month.
Important Changes in Charges (Effective 1st August 2024)
HDFC Bank has revised certain fees applicable to specific categories of credit card transactions, effective 1st August 2024. Below is a summary of the updated charges:
1. Rental Transactions
- Applicable Services: Platforms such as (but not limited to) CRED, PayTM, Cheq, MobiKwik, Freecharge and others.
- Fee: A 1% fee will be charged on the transaction amount.
- Cap: Fee capped at ₹3,000 per transaction.
- Merchant Category Code (MCC):
6513(Rent)
2. Fuel Transactions
- Transactions below ₹15,000: No additional fee.
- Transactions above ₹15,000: A 1% fee will be charged on the entire transaction amount.
- Cap: Fee capped at ₹3,000 per transaction.
3. Utility Transactions
- Transactions below ₹50,000: No additional fee.
- Transactions above ₹50,000: A 1% fee will be charged on the entire transaction amount.
- Cap: Fee capped at ₹3,000 per transaction.
- Note: Insurance payments are not considered Utility transactions and are excluded from this charge.
4. Educational Transactions
- No Fees: When payments are made directly through college/school websites or their POS terminals.
- Exempted: International education payments.
- 1% Fee Applicable: On education payments via third-party platforms such as (but not limited to) CRED, PayTM, Cheq, MobiKwik, etc.
- Cap: Fee capped at ₹3,000 per transaction.
Additional Notes
- All the above fees are subject to GST as per government norms.
- Merchant Category Codes (MCCs) are defined by the payment networks (Visa, MasterCard, RuPay, Diners Club, etc.) and not by HDFC Bank.