Millennia Credit Card

CashBack

• 5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato
• 1% cashback on all other spends (except Fuel, Wallet, EMI, Govt transactions)
• ₹1000 worth gift vouchers on spends of ₹1,00,000 and above in each calendar quarter
• Upto 20% discount on partner restaurants via Swiggy Dineout

Note:

• Effective 1st September, 2024, Wallet loading, Easy EMI transactions and 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.

• For detailed Terms & conditions Click here

​​​​​​​Zero lost card liability : In the unfortunate event of losing your HDFC Bank Millennia Credit Card, on reporting it immediately to our 24-hour call centre (Toll free numbers 1800 1600/1800 2600. Customers traveling overseas can reach us at 022-61606160), you have zero liability on any fraudulent transactions made on your Credit Card. 

Interest Free Credit Period : Up to 50 days of interest free period on your HDFC Bank Millennia Credit Card from the date of purchase (subject to the submission of the charge by the Merchant)

Revolving Credit : Available at a nominal interest rate on your HDFC Bank Millennia Credit Card. Please refer to Fees and Charges section to know more.

Exclusive Dining Privileges: Enjoy amazing dining benefits with Good Food Trail program.

Get up to 20 % savings off on all your restaurant bill payments via Swiggy Dineout (20k + restaurants) (Offer inclusive of Restaurant and Swiggy Discount). Offer valid only on payments done via Swiggy App. 

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)

Pay your Membership fee and get Reward Points equivalent to Fee Amount
​​​​​​​(Applicable only on payment of Membership fee)

Important:

Effective December 1^st 2023, Lounge access feature associated with Millennia Credit Card is revised. Click here for details.

Please Note: Lounge access is now integrated into quarterly spends milestone program. Upon achieving quarterly spends milestone, users can either opt for Dreamfolks airport lounge access voucher (Or) Rs. 1000 voucher from the available list of Brands

HDFC Bank Millennia Credit Card comes with an option to convert your big spends into EMI after purchase. To know more click here

The HDFC Bank Millennia Credit Card is enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets. 

*To see if your Card is contactless, look for the contactless network symbol on your Card. 

(Please note that in India, payment through contactless mode is allowed for a maximum of ₹5000 for a single transaction where you are not asked to input your Credit Card PIN. However, if the amount is higher than or equal to ₹5000, the Card holder has to enter the Credit Card PIN for security reasons)

CashBack Accrual:

CashBack will be given in the form of CashPoints, which can be redeemed by you against the statement balance (on request only).

• The redemption against the statement balance will be at the rate of 1 CashPoint = ₹1
• The minimum CashPoint balance required for redemption against the statement balance is 500 CashPoints.
• CashPoints can also be used for redemption against travel benefits like Flight & Hotel bookings and Rewards Catalogue at the SmartBuy Rewards Portal, at a value of 1 CashPoint = ₹0.30.
• Unredeemed CashPoints will expire/lapse after 2 year of accumulation
• Flights and Hotels redemption, Credit Card members can redeem up to a maximum of 50% of the booking value through Reward Points. Rest of the transaction amount will have to be paid via the Credit Card limit
• With effect from 1st January 2023, Reward points redemption for flights & hotels bookings are capped per calendar month at 50,000.
• With effect from 1st February 2023, Reward points redemption for CashBack redemption are capped per calendar month to 3,000 rewards points
• With effect from 1st February 2023, cardmembers can redeem upto 70% of product/Voucher value through Reward points on select vouchers/products and pay the remaining amount via Credit card.
• Redeem CashPoints at the conversion rate of 1 CashPoint = ₹0.30
• For further details, on the process to redeem CashPoints, Click here
  
  

*Please check important Terms and Conditions for CashBack accrual and redemption.

CashPoint validity:
CashBack as per product features will be credited in the form of Cash Points. Cash Points are valid only for 2 years from the date of accumulation e.g., if you receive CashPoints in May 2020, same will expire in May 2022.

Spend ₹1 lakh or more in the preceding 12 months and get renewal membership fee waived off for next year.