• Welcome benefit: Receive 1,000 CashPoints as a new cardholder.
• Start earning rewards on your everyday spending right away.

• Core Rewards: Earn 5% cashback on select partner online merchants, including Amazon, Flipkart, and more, up to Rs. 1,000 per month. Get 1% cashback on all other spends up to Rs. 1,000 per month.
• Milestone Rewards: Spend Rs. 1 lakh in a quarter and receive a voucher worth Rs. 1,000.
• Movie & Dining: Enjoy up to 20% discounts at partner restaurants and complimentary Swiggy Dineout benefits.
• Rewards Rate: Get 5% cashback on partner online merchants and 1% cashback on other spends (excluding fuel, rental, and government transactions).
• Reward Redemption: Redeem rewards as CashPoints – 1 CashPoint = Re. 1 for offsetting your credit card statement balance, and 1 CashPoint = Rs. 0.30 for products, vouchers, or flight/hotel bookings.
• Travel: Access 8 complimentary airport lounges every year (2 per quarter).
• Domestic Lounge Access: Enjoy 2 complimentary domestic lounge visits per quarter (8 in total annually).
• Insurance Benefits: Various insurance benefits tailored to your needs.
• Zero Liability Protection: Protection against fraudulent transactions when promptly reported.

• Redemption Options: Redeem your CashPoints for statement credit, vouchers, or flight/hotel bookings.
• 1 CashPoint = Re. 1 when offsetting your credit card statement balance.
• 1 CashPoint = Rs. 0.30 for products, vouchers, or flight/hotel bookings.
• Convenient Redemption: Easily redeem your CashPoints online or through NetBanking.

• Attractive welcome benefits for new cardholders.
• Generous cashback rewards on online partner merchants.
• Additional cashback on all other spends.
• Quarterly milestone rewards.
• Discounts on dining and movies.
• Airport lounge access.
• Insurance benefits.

• Cashback capped at Rs. 1,000 per month.
• Cashback not applicable to fuel, rental, and government transactions.

• Generous rewards program.
• Variety of redemption options.
• Complimentary airport lounge access.
• Insurance benefits.
• Zero Liability Protection.

• Annual Fee: First-year fee of Rs. 1,000. Renewal fee waived on spending Rs. 1 lakh in a year.
• Interest Rate: 3.49% per month (41.88% p.a.).
• Over-limit Fee: Rs. 500 per instance.
• Late Payment Charges: Rs. 100 for statements with a balance up to Rs. 100. Rs. 500 for statements with a balance from Rs. 100.01 to Rs. 500.

Q1: How can I apply for the HDFC Millennia Credit Card?

You can apply for the HDFC Millennia Credit Card by visiting the official HDFC Bank website or by visiting a branch near you. The application process typically involves filling out an online form and providing the necessary documents.

Q2: What are the eligibility criteria for this credit card?

The eligibility criteria may vary, but typically, you need to be between the ages of 21 to 60 years, have a good credit score, and meet the income requirements set by HDFC Bank. These criteria may change, so it's best to check with the bank for the most up-to-date information.

Q3: Is there a joining fee for the HDFC Millennia Credit Card?

Yes, there is a joining fee of Rs. 1,000 for the HDFC Millennia Credit Card. However, this fee may be waived if you meet the specified spending threshold within the first year of card membership.

Q4: How do I redeem my reward points earned with this card?

You can redeem the reward points earned with the HDFC Millennia Credit Card for statement credit to offset your outstanding balance, or you can use them for vouchers or flight/hotel bookings through the HDFC Bank rewards portal. The conversion rate for redemption varies depending on the option chosen.

Q5: Are there any specific merchants where I can earn cashback with this card?

Yes, you can earn 5% cashback on select partner online merchants, including Amazon, Flipkart, and others, up to Rs. 1,000 per month. You'll also get 1% cashback on all other spends up to Rs. 1,000 per month.