HDFC Millennia Credit Card Review

HDFC Millennia Credit Card is one of the best cashback credit cards with a high reward rate. You get up to 5% cashback as CashPoints on shopping websites like Amazon, Flipkart, and Myntra.

You can also get a high redemption value of Cash Points as cashback including 1 CashPoint = Re. 1 adjustment against the statement balance of the credit card.

My Experience With HDFC Millennia Credit Card

Earlier I used to carry two separate credit cards for maximum cashback on my purchases.

Axis Bank Flipkart Credit Card for 5% cashback on all my purchases on Flipkart and Myntra.
ICICI Amazon Pay credit card to avail 5% cashback on purchases made on Amazon for prime members and 3% for non-prime members.

But all that changed when I got my hands on HDFC Millennia Credit Card. This card is a game-changer, offering 5% cash back on Amazon, Flipkart, Myntra, BookMyShow, Swiggy, and Zomato– all in one place!

In this way, I am getting the benefit of both Amazon Pay ICICI as well as Flipkart Axis Credit Card in one card.

Here’s a detailed review of the HDFC Millennia credit card’s features:

HDFC Millennia Fees & Charges

Joining Fees: The HDFC Millennia credit card comes with a joining fee of Rs. 1,000.
Annual Fees: The card has an annual fee of Rs. 1,000.
Annual Fees Waiver: The annual fee can be waived off on spending Rs. 1,00,000 or more in a year.
Forex Markup Fees: The HDFC Millennia credit card has a forex markup fee of 3.5%.
Reward redemption fee: Rs. 99 for every redemption request you make.

Benefits & Privilege of HDFC Millennia Credit Card

Welcome Bonus: The credit card offers a welcome bonus of 1,000 CashPoints on the successful realization of the joining fee.

Main Dining Benefits: The HDFC Millennia credit card offers some fantastic benefits, including:

You get up to 20% discount at partner restaurants with a complimentary Dineout Passport membership.
You can also enjoy the Good Food Trail Dining program at premium restaurants across top cities, which includes:
An assured discount of 25% at 2000+ premium restaurants.
1+1 buffet at 200+ restaurants.
1+1 food/drinks at select restaurants.

These offers are not valid on occasions like New Year day, Christmas, and Valentine’s day.

HDFC Millennia Cashback Points

The reward points on this card are processed as CashPoints.
Earn 5% cashback (as CashPoints) at select partner online merchants including Amazon, Flipkart, Myntra, BookMyShow, Cult.fit, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato.
Get 1% cashback (as CashPoints) on all other online and offline spends (except fuel).

Redemption Value of Cashback Points

You can redeem CashPoints against statement balance of credit card or for products and vouchers in the product catalogue, and against flight/hotel bookings.
1 CP = Re. 1 while redeeming against the statement balance of the credit card.
Value of cashback on redemption on product Catalog of 1CP is Rs. 0.30.
1 CP = Rs. 0.30 while redeeming against flight/hotel booking.
Value of cashback on redemption on Airmiles is 0.30 AirMiles.
A minimum of 500 CashPoints are required for redemption against the card’s statement balance.
CashPoints expire after 2 years.

Domestic Airport Lounges Access

The card offers access to select domestic lounges, with 2 complimentary visits per quarter (8 visits in a year).

Milestone Benefit

The card offers a gift voucher worth Rs. 500 on quarterly expenditure of Rs. 50,000.

Fuel Benefits

1% fuel surcharge waiver on a minimum payment of Rs. 400 at all petrol stations across India.
Maximum cap of waiver amount is Rs. 250 per payment cycle.

Takeaway

HDFC Millennia Credit Card is a great option for those who love to shop online and earn rewards. With its fantastic benefits and rewards, including 5% cashback on select online merchants like Amazon, Flipkart, and 1% cashback on all other spends.