Credit Card

HDFC Bank Millennia Credit Card – Hidden Charges, Features & Benefits

This card will most likely fit with your spending patterns, just like it fits with mine. This card offers 5% cashback on popular everyday brands, such as Amazon, BookMyShow,, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, and Zomato. The best part is that there is no minimum transaction value requirement for earning the 5% cashback benefit. Additionally, while most cards do not offer any reward benefit on EMI purchases and wallet reloads, this credit card offers 1% cash back on such transactions as well. This is a very rare benefit offered and is an added feather to the card’s satisfactory features.

The maximum cashpoint limit is as follows:

Join WhatsApp Channel Join Now
Join Telegram Channel Join Now
  • 5% cashback on popular everyday brands: 1,000 cash points per statement cycle
  • 1% cashback on all other spends, including EMI & Wallet transactions: 1,000 cash points per statement cycle

If you are planning to apply for this credit card, you must note that this is a cashback credit card, that offers cash points instead of direct cashback. The cashback is offered via Cash Points, which functions the same as rewards points offered on a rewards credit card. For instance, if you spend on the following categories, you will earn cash points as follows:

Spending CategoryCashback CategoryAmountCash Points Earned
10 Online Merchants5% cashbackRs. 15,000750 Cash points
Other Spends1% cashback*Rs. 10,000180 Cash points

Movie & Dining

Up to 20% discount at partner restaurants with complimentary Swiggy Dineout

Rewards Rate

5% cashback (as CashPoints) at select partner online merchants and 1% cashback (as CashPoints) on all other spends (except fuel, rental, and govt. related transactions)

Reward Redemption

Rewards processed as CashPoints, 1 CP = Re. 1 while redeeming against statement balance of credit card and 1 CP = Rs. 0.30 while redeeming against products and vouchers in the product catalogue, and against flight/hotel booking.


4 complimentary airport lounge access every year, 1 per quarter

Welcome Benefits

In the form of welcome benefits, the cardholders will receive 1,000 bonus CashPoints on the successful realization of the joining fee.

Dining Benefits

Up to 20% discount at partner restaurants with Swiggy Dineout.

Quarterly Spend Benefit

On spends of Rs. 1 lakh or more each quarter, you shall be eligible to receive gift vouchers worth Rs. 1,000.  Through this offer, you can earn Rs. 4,000 each year as gift vouchers while spending Rs. 4 lakh; this would also waive your annual fee.


The cardholders can also get 4 complimentary visits in a year to the domestic airport lounges with the HDFC Millennia Credit Card. This can be accessed by making spends of Rs. 1 lakh each quarter (Jan-Mar | Apr-June | Jul-Sept | Oct-Dec). Check the complete details here.

Fuel Surcharge Waiver

1% of the fuel surcharge is waived on a minimum payment of Rs. 400 at all petrol stations across India (the waiver amount is capped at a maximum of Rs. 250 per payment cycle).

Renewal Fee Waiver

This credit card comes with an annual fee of Rs. 1,000, which is eligible for a waiver if the cardholder is able to spend an amount exceeding Rs. 1,00,000 in an anniversary year.

Interest-Free Credit Period

You can get around 50 days of interest-free credit period on the credit card from the day of purchase. This depends on when the merchant submits the charge.

Apply Now

HDFC Millennia Credit Card Reward Points or CahBack :

cashback that you get by transacting through the HDFC Millennia Credit Card is posted as CashPoints to the card account. You can redeem these CashPoints against a variety of options (details below), including cashback (adjustment against the due balance on the card). HDFC Millennia Card earns you-

  • A cashback of 5% on partner online merchants- Amazon, BookMyShow,, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, and Zomato.
  • A cashback of 1% on all other online and offline spends (like EMI and Wallet, Gift or Prepaid Card loads & Voucher Purchase transactions).
  • The CashPoints earned under the 5% and 1% categories are capped at 1,000 CashPoints per statement cycle each (a maximum of 2,000 CashPoints can be earned in a given statement cycle).

HDFC Millennia Credit Card Reward Point Redemption

  • As mentioned, the cashback earned on the HDFC Millennia Credit Card is credited as CashPoints to the card account at the end of the statement cycle. The CashPoints that you receive can be redeemed for a variety of options, which include cashback (i.e., adjusting them against the statement balance of the credit card), flight/hotel bookings via SmartBuy, product purchases from the bank’s catalog of products and partner airlines’ AirMiles.

Excluding on Rewards Points/Cashback

The following spend categories are not eligible to earn Cashpoints –

  • Fuel Spends
  • Rent payments and Govt Related transactions
  • Cash Advance
  • Payment of card fees and other charges
  • Smart EMI / Dial an EMI transactions

Related Articles

Leave a Reply

Your email address will not be published. Required fields are marked *

Back to top button