HDFC Millennia Credit Card - Detailed Review
You must have got the gist of the new HDFC Millennia Credit Card if you had read my article HDFC Millennia Credit & Debit Cards. If you haven't, I suggest you read it by clicking here.
As this article is supposed to cover the detailed features of the aforementioned credit card, let jump into it without wasting any time.
HDFC's Millennia Credit Card offers:
• Welcome Perks
- Get gift vouchers worth Rs 1000 on spending Rs 1,00,000 and above in each calendar quarter
- Valid for the first year only
• Exciting Cashbacks
- 5% CashBack on Amazon, Flipkart, Flight & Hotel bookings on shopping via PayZapp and SmartBuy (valid on a minimum online transaction of Rs 2000)
- 2.5% CashBack on all other online spends (valid on a minimum online transaction of Rs 2000)
- 1% Cashback on all offline spend and wallet reloads except fuel transactions (valid on minimum offline transaction of Rs 100)
- Cashbacks will be received at CashPoints that can be adjusted against statement balance wherein 1CP = 1 INR
- CashPoints can also be redeemed for flights and hotel bookings wherein 1CP = 0.3 INR
- Unused CashPoints will expire/lapse within 1 year of accumulation
- Maximum cashback per month capped at Rs 2,250 i.e.
(i) Maximum Rs 750 cashback on 5% CB category
- Rs 1000 CB instead of Rs 750 for the first 6 months
(ii) Maximum Rs 750 cashback on 2.5% CB category
(iii) Maximum Rs 750 cashback on 1% CB category
• 8 Complimentary Domestic Airport
- Maximum 2 visits per quarter
• 1% Fuel Surcharge Waiver
- Valid on a minimum transaction of Rs 400
- Maximum CashBack of Rs 250 per statement cycle
• Annual Charges
- First-Year Membership Fee – Rs 1000 + Applicable Taxes
(waived off if you spend Rs 30,000 and above in the first 90 days)
- Renewal Membership Fee – Rs. 1000/- + Applicable Taxes
(waived off if you spend Rs 1,00,000 and above in the last 12 months)
HDFC Millennia Credit Card doesn't disappoint and offers quite an excellent benefit. One can consider holding this one card instead of Amazon Pay ICICI Bank Credit Card and Flipkart Axis Bank Credit Card. However, the cashback on this card is capped to Rs 750 x 3 categories, unlike the unlimited cashback offered on Amazon Pay Card & Flipkart Card, but you need to spend Rs 15,000 to get Rs 750 CB per month. So unless you spend more than 15k per month on Amazon and Flipkart, this shouldn't make any difference to you.
Any feedback or comment will be highly appreciated.
Thanks for reading!
HDFC Millennia Credit Card - Detailed Review
Reviewed by Rahmat
on
August 24, 2019
Rating:
Reviewed by Rahmat
on
August 24, 2019
Rating:
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