HDFC Millennia Credit Card ~ CashBack Card
You can select the HDFC Millennia Credit Card because it would provide a sizable value return on the majority of purchases from commonplace businesses like Zomato, Amazon, Swiggy, Uber, etc. This card also allows you to receive cashback on EMIs and wallet reloads, which is a fairly uncommon perk for an entry-level card. The HDFC Millennium Credit Card is for those who regularly shop and book online. As this credit card provides the best return as cashbacks on most of the digital transaction.
Benefits ~ HDFC Millennia Credit Card.
~ Get 5% Real cashback on 10 popular online merchant websites (up to Rs. 1,000 per month). e.g., Flipkart, Amazon, Swiggy, etc.
~ Get 5% Real Cashback on utility bill payments with Amazon.
~ Get 1% Real Cashback on EMI transactions. (except so-called EMI)
~ Get 1% Real Cashback on other spends (except for 10 partner brands such as Amazon, Flipkart, etc., up to Rs. 1000 per month).
~ Get 5% plus 1% Real cashback on Smartbuy and PayZapp by HDFC Bank.
~ Get Rs. 1000 worth of gift vouchers on spends of Rs. 1,00,000 and more in a calendar quarter.
~ 1% fuel surcharge waiver at all fuel stations across India.
conclude :
1. Popular brands: 5% cashback
2. SmartBuy and PayZapp: 6% cashback
3. Other spends ~ 1% cashback.
HDFC Millennia Credit Card Lounge Access.
~ 8 domestic airport lounge accesses in a year (2 per quarter).
~ With the Dinerclub variant, you can get access to 35 lounge networks domestically.
~ With the visa/mastercard/rupay variant, only 12 lounges can be accessed domestically.
HDFC Millennia Credit Card Fees and Charges.
TYPES | CHARGES |
Joining/Annual Fees | Rs.1000+Taxes |
Renewal Fees | Rs.1000+Taxes |
Cash Advance Fees | 2.5% |
FOR MORE INFORMATION ~
HDFC Millennia Credit Card ~ Documents
The bank may request more documents during the application process; the list provided above is only a guide.
- Identity Proof
- Driving Licence
- Aadhaar card
- Passport
- Address Proof
- Ration Card
- Voter ID
- Passport
- Aadhaar card
- Income/salary Proof
- Salary Slip
- Form 16
- IT Returns
HDFC Millennia Credit Card ~ Eligibility Criteria
CRITERIA | SALARIED | SELF-EMPLOYED |
MAXIMUM AGE LIMIT | 65 YEARS | 65 YEARS |
MINIMUM AGE LIMIT | 21 YEARS | 21 YEARS |
MINIMUM INCOME | Rs. 30,000 per month | Rs.3.6 lakh p.a. (ITR) |
Advantages/Pros Of HDFC Millennia Credit card.
~ At partner merchants, which include well-known companies like Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber, and a few other well-known businesses, you get a pretty high cashback of 5%.
~ You are also eligible for 8 complimentary lounge passes at domestic airports all throughout India in addition to the cashback benefit, which is something that is typically not included with entry-level credit cards.
Disadvantages/Corn Of HDFC Millennia Credit Card.
~ Only 1% of all other online and offline purchases made with the card and made at businesses that are not partners will earn you cashback.
~ CashPoints earned at the 5X accelerated rate are capped at 1,000 per statement cycle, but CashPoints earned on the card at the standard 1X rate are not capped at 1,000 per statement cycle. A maximum of 2,000 CashPoints, or the equivalent of Rs. 2,000 in cashback, can be earned in a statement cycle.
It suits you or not?
Professionals and beginners who intend to start using credit and establish a solid credit profile can choose the HDFC Millennia card, as the name implies. With its target audience in mind, HDFC Bank provides additional perks when purchasing from partner websites like Amazon and Flipkart.
CONCLUSION
One could say that the Millennia credit card from HDFC Bank is the perfect card for someone who has recently begun working and enjoys online shopping. Additionally, it offers 5% CashBack on Amazon and Flipkart, the two biggest online retailers in India. It is one of the cards that attests to the development of a strong credit history. This credit card, like all others, necessitates that you practise sound money management; otherwise, being caught in a debt can be extremely difficult. It is also suggested to check some other cards, and please remember to avoid late payments, which are directly associated with a lack of success.
FAQ's
1. Zero Lost. Card Duty.
2. interest free. Credit Time.
3 .Amazing Cashbacks.
4 .Contactless. Payment.
5 .Gift Vouchers.
6 .Surcharge for fuel. Waivers.
At the SmartBuy Rewards Portal, CashPoints can also be redeemed for travel perks like flight and hotel bookings and rewards brochures, with 1 CashPoint equaling RS.0.30.
A maximum of 3,000 cash points may be redeemed per calendar month for cashback reward points against the statement balance.
For the first year’s membership cost and the renewal membership charge, the HDFC card is available for Rs. 1,000 plus any relevant tax.
3.6% p.m. | 43.2% p.a
The HDFC Millennium Credit Card is definitely a good card for those who are interested in shopping and purchasing. Those who are interested in getting cashbacks and many more premium things.
You must have worked for your present company for at least six months in order to qualify for any credit card. Additionally, a monthly salary of Rs. 35,000 is needed to qualify for this credit card. The eligibility requirements, however, might be eased if you hold a salary account with HDFC Bank.
FOR APPLYING THE HDFC MILLENNIA CREDIT CARD CLICK THE BUTTON GIVEN BELOW.
TRAVEL AND GLOBAL CARDS.
NOTE~ The information given above is based 100% on research. Please conduct thorough research before selecting a credit card. We are not responsible if there is any loss caused by this information.