✅ 2.5% Cashback on online purchases above ₹2,000
✅ 1% Cashback on wallet reloads and offline purchases over ₹1,000
✅ 5% Cashback on PayZapp and SmartBuy transactions, including Amazon, Flipkart, flight, and hotel bookings
✅ 1% Fuel Surcharge Waiver
✅ 8 Complimentary Domestic Lounge Accesses per year
How do these card benefits work?
The HDFC Millennia Credit Card welcomes you with a bonus of 1,000 reward points. If you spend more than ₹30,000 within the first 90 days, the first-year membership fee is waived.
You are not liable for any fraudulent transactions made on your lost credit card—just be sure to report it immediately. Plus, you’ll enjoy interest-free credit for up to 50 days, along with a revolving credit facility at low interest rates.
Expert opinion
In addition to the Millennia Credit Card, HDFC Bank offers a broad portfolio of financial products tailored to suit various customer needs. Whether you’re seeking cashback or rewards credit cards, flexible loans, or investment options, HDFC Bank provides comprehensive financial solutions to match every individual’s lifestyle and goals.
With a wide range of credit cards offering category-specific rewards and cashback, customers can enjoy features that align with their spending habits.
Moreover, HDFC Bank extends its offerings to include personal loans, home loans, and car loans, designed for greater financial flexibility and convenience. For those looking to grow their wealth, the bank also offers a variety of investment opportunities, such as mutual funds, stocks, and fixed deposits, helping customers pursue their financial aspirations with confidence.
Why do we think the HDFC Millennia credit card is a smart choice?
As a contactless credit card, it allows for fast, convenient, and secure transactions at merchant locations. You earn reward points and cashback every time you shop. Best of all, if you spend over ₹1 lakh annually, the card becomes free.
That said, this card is best suited for those who frequently shop online.