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Millennia Credit Card

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औसत रेटिंग है 3 5 में से

MyRupaya Ratings

उत्पाद विवरण
क्रेडिट कार्ड का नाम

Millennia Credit Card

Bank Name :

HDFC Bank

प्रकार

Lifestyle Credit Card

ब्याज दर

3.6% per month (or 43.2% per annum)

पात्रता

For Salaried
Indian national
Age: Min 21 yrs & Max 40 Yrs,
Income: Gross Monthly Income> ₹35,000

For Self Employed
Indian national
Age: Min 21 yrs & Max 40 Yrs, Income: ITR > ₹6.0 Lakhs per annum

Millennia Credit Card
पेशेवरों

  • Welcome Benefit: Users can get a gift voucher equivalent to the joining fee. 

  • Reward System: 5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato (Max cashback INR 1000 per month). 1% cashback on all other spends (except Fuel) including EMI & Wallet transactions (Max cashback INR 1000 per month). Upto 20% discount on partner restaurants via Swiggy Dineout.

  • Milestone Benefit: Users will receive INR 1000 worth of gift vouchers on spends of INR 1,00,000 and above in each calendar quarter. Customers can either claim the gift voucher or claim a free domestic lounge visit. 

  • Annual fee waived off on spending INR 1 Lakh in 12 months. 

दोष

  • Low general cashback rate.

  • Limited value add benefits. 

  • No free lounge visits.

  • No free movie tickets. 

पक्ष विपक्ष
Welcome Benefits

 Users can get a gift voucher equivalent to the joining fee. 

पुरस्कार प्रणाली

Users can get 5% cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato and 1% cashback on all other spends (except Fuel) including EMI & Wallet transactions. Upto 20% discount on partner restaurants via Swiggy Dineout.

अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप

3.5%.

स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण

Reward System: 5% cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato (Max cashback INR 1000 per month). 1% cashback on all other spends (except Fuel) including EMI & Wallet transactions (Max cashback INR 1000 per month).

Eligibility Criteria

For Salaried
Indian national
Age: Min 21 yrs & Max 40 Yrs,
Income: Gross Monthly Income> ₹35,000

For Self Employed
Indian national
Age: Min 21 yrs & Max 40 Yrs, Income: ITR > ₹6.0 Lakhs per annum

फ़ायदे

  • Good cashback.

  • Decent welcome benefit.

विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?

  1. Eligibility Check: Check your eligibility on the HDFC Bank website or by calling their customer care.

  2. Choose Your Variant: HDFC Millennia comes in various variants with different annual fees and reward rates. Choose the one that best suits your spending habits.

  3. Apply Online: The easiest way to apply is online through the HDFC Bank website. You'll need to provide basic information, income details, and supporting documents.

  4. Document Verification: HDFC Bank will verify your documents and credit score.

  5. Card Approval: If approved, you'll receive your HDFC Millennia Credit Card within 7-10 business days.

सम्पर्क करने का विवरण

Toll free no. 800 202 6161 / 1860 267 6161

खाता खोलने की प्रक्रिया और प्रक्रिया

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विशेष विशेषता, पात्रता और लाभ

Pros:-

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Cons:-

  • Welcome Benefit: Users can get a gift voucher equivalent to the joining fee. 

  • Reward System: 5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato (Max cashback INR 1000 per month). 1% cashback on all other spends (except Fuel) including EMI & Wallet transactions (Max cashback INR 1000 per month). Upto 20% discount on partner restaurants via Swiggy Dineout.

  • Milestone Benefit: Users will receive INR 1000 worth of gift vouchers on spends of INR 1,00,000 and above in each calendar quarter. Customers can either claim the gift voucher or claim a free domestic lounge visit. 

  • Annual fee waived off on spending INR 1 Lakh in 12 months. 

  • Low general cashback rate.

  • Limited value add benefits. 

  • No free lounge visits.

  • No free movie tickets. 

The HDFC Bank Millennia Credit Card is a good option for young professionals and millennials who spend frequently on the partnered categories like Amazon, Swiggy, and movies. The high rewards on these spends, welcome bonus, fuel surcharge waiver, and other benefits offer decent value. However, the limited reward scope, lower point value, limited redemption options, and annual fee requirements might discourage those with diverse spending habits, seeking wider benefit options, or desiring the highest possible point value redemption.

Millennia Credit Card

Abhijeet Saxena

Abhijeet Saxena

Abhijeet Saxena

Nalsar University of Law

Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi

Ex - Khaitan & Co. Bengaluru,

Ex - National Stock Exchange, Mumbai,

Ex - Argus Partners, Mumbai

उत्पाद समीक्षा
फीस एवं प्रभार

  • Joining/Renewal Membership Fee – ₹1,000/- (Spend ₹1,00,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off ) 

  • Foreign Currency Transactions % Of transaction value: 2% 

  • Reissue of Lost, Stolen or Damaged Card: ₹100 

  • Outstation Cheque Processing Charge: For Cheque value upto ₹5,000 - ₹25 and for above ₹5,000 - ₹50 

  • Add-on Card Fee: Lifetime Free 

  • Late Payment Charges: Less than Rs. 100 – Nil Rs. 100 to Rs. 500 – Rs. 100 Rs. 501 to Rs. 5,000 – Rs. 500 Rs. 5,001 to Rs. 10,000 – Rs. 600 Rs. 10,001 to Rs. 25,000 – Rs. 800 Rs. 25,000 to Rs. 50,000 – Rs. 1,100 Above Rs. 50,000 – Rs. 1,300

ईंधन अधिशुक्ल

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)

Billing Cycle

30 Days

फीस एवं प्रभार
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