HDFC Millennia Credit Card Review

HDFC Millennia Credit Card Review: If you’re looking for a credit card that offers great rewards and great customer service, then the HDFC Millennia Credit Card is a great option. With a 0% introductory APR on purchases and balance transfers for the first 12 months, you can get started right away. Plus, there are plenty of other benefits to this card, including a 50,000-point sign-up bonus and a 2% cashback on all your purchases.

If you’re looking for a card that will help you reach your financial goals, the HDFC Millennia Credit Card is a great choice.

HDFC Millennia Credit Card Review
HDFC Millennia Credit Card Review

HDFC Millennia Credit Card Review

HDFC Bank Millennia Credit Card is a good choice for people who are looking for a rewards credit card with no annual fee. This card offers 1 reward point for every Rs. 150 spent on purchases, and there is no limit to the number of points you can earn. You can redeem your points for a variety of items, including travel, merchandise, and gift cards.

The HDFC Bank Millennia Credit Card also comes with a few other benefits, such as a fuel surcharge waiver, airport lounge access, and cashback on movie tickets. There is also a 0% intro APR on balance transfers for 18 months (16.99% – 25.99% variable APR after that).

Overall, the HDFC Bank Millennia Credit Card is a good choice for people who are looking for a rewards credit card with no annual fee.

1. Introduction

HDFC Bank Millennia Credit Card is a good choice for people who are looking for a credit card with a good interest rate and a wide range of features and benefits. The card offers a wide range of features such as a 0% interest rate on purchases and balance transfers, cash back on all purchases, and a rewards program. The card also has a wide range of benefits such as free annual membership to the HDFC Bank Golf Club, complimentary access to the HDFC Bank Travel Portal, and a host of other benefits.

Type Entry-level Credit Card
Reward Rate 1% – 5%
Annual Fee 1,000 INR+GST (usually issued free)
Best for Online & shopping spends
USP Quarterly Milestone Benefit

2. Eligibility Criteria for the HDFC Millennia Credit Card

The HDFC Millennia Credit Card is a great choice for those who are looking for a credit card with great benefits and features. However, there are a few eligibility criteria that you need to meet in order to be eligible for this credit card. Let’s take a look at these eligibility criteria in detail.

1. You need to be at least 18 years old.

2. You need to have a regular income. This can be from employment, self-employment, or any other source.

3. You need to have a good credit history. This means that you should have made all your previous credit card payments on time and in full.

4. You need to have valid ID proof. This can be your passport, driver’s license, or any other government-issued ID.

5. You need to have valid address proof. This can be your utility bill, bank statement, or any other official document that has your current address.

These are the basic eligibility criteria that you need to meet in order to apply for the HDFC Millennia Credit Card. If you meet all these criteria, then you can be sure of getting approved for this credit card.

3. Benefits of the HDFC Millennia Credit Card

When it comes to credit cards, there are a lot of different options out there. However, not all credit cards are created equal. The HDFC Millennia Credit Card is a great option for those who are looking for a credit card with a lot of benefits. Here are three benefits of the HDFC Millennia Credit Card:

1. No Annual Fee

One of the best benefits of the HDFC Millennia Credit Card is that there is no annual fee. This means that you can use the credit card without having to worry about paying any additional fees.

2. Earn Rewards

Another great benefit of the HDFC Millennia Credit Card is that you can earn rewards. With this credit card, you can earn points for every purchase that you make. These points can be redeemed for cash back, gift cards, and more.

3. 0% Intro APR

One of the best features of the HDFC Millennia Credit Card is the 0% intro APR. This means that you will not have to pay any interest on your purchases for the first 12 months. After the intro period ends, the APR will be 14.49% – 24.49% Variable.

The HDFC Millennia Credit Card is a great option for those who are looking for a credit card with a lot of benefits. If you are looking for a credit card with no annual fee, the ability to earn rewards, and a 0% intro APR, then the HDFC Millennia Credit Card is a great option for you.

4. Rewards Points System of the HDFC Millennia Credit Card

HDFC Bank’s Millennia Credit Card is a popular choice for many urbanites. The card comes with a lot of features and offers that make it a great choice for those who are looking for a good rewards credit card. One of the key features of the card is its rewards points system. The card offers 4 reward points for every Rs. 150 spent on the card. This is one of the highest reward points that you can get from a credit card. The points can be redeemed for a variety of different things such as air miles, gift vouchers, and even cash back.

Joining Fees

Joining Fee INR 1,000+GST
Joining Fee Waiver Spend INR 50,000 & above in the first 90 days
Welcome Benefit 1,000 Reward Points
Renewal Fee INR 1,000+GST
Renewal Fee Waiver INR 1,00,000 in a year

The HDFC Bank Millennia Credit Card also comes with a lot of other features that make it a great choice for those who are looking for a good rewards credit card. Some of the other features include a 0% intro APR on balance transfers and purchases for the first 12 months, no annual fee, and a host of other benefits.

Reward Points

TXN TYPE CASHBACK % MAX. CAP / CYCLE
Select Merchants 5% 1000
Off-line / Wallet Spends 1% 1000

5. Fees and Charges of the HDFC Millennia Credit Card

The HDFC Millennia Credit Card is a popular choice for many people looking for a good credit card. However, there are some fees and charges associated with this card that you should be aware of. Here are the five main fees and charges of the HDFC Millennia Credit Card:

1. Joining Fee: The HDFC Millennia Credit Card has a joining fee of Rs.499. This is a one-time fee that you will need to pay when you first get the card.

2. Annual Fee: The annual fee for the HDFC Millennia Credit Card is Rs.499. This fee is charged every year on the anniversary of your card.

3. late payment charges: If you make a late payment on your HDFC Millennia Credit Card, you will be charged a late payment fee of Rs.100. This fee is charged for each month that your payment is late.

4. Cash advance fee: If you take a cash advance on your HDFC Millennia Credit Card, you will be charged a cash advance fee of 2.5% of the amount of cash you withdraw.

5. Foreign currency transaction fee: If you use your HDFC Millennia Credit Card to make a purchase in a foreign currency, you will be charged a foreign currency transaction fee of 3.5%.

6. How to Apply for the HDFC Millennia Credit Card

HDFC Bank offers a wide range of credit cards to cater to the needs of different customers. The HDFC Millennia Credit Card is a good option for those who are looking for a card with a low-interest rate and a wide range of features and benefits. Here is a step-by-step guide on how to apply for the HDFC Millennia Credit Card:

1. Visit the HDFC Bank website and log in to your account.

2. Click on the ‘Credit Cards’ tab and select the ‘HDFC Millennia Credit Card’ from the list of options.

3. Click on the ‘Apply Now’ button and fill in the required details.

4. Enter your personal details, contact information, and income details.

5. Select the type of account you want to apply for and enter the required details.

6. Review the terms and conditions and click on the ‘Submit’ button.

7. You will receive an acknowledgment indicating that your application has been received.

8. An HDFC Bank representative will get in touch with you to complete the process.

7. FAQs about the HDFC Millennia Credit Card

1. What are the eligibility criteria for the HDFC Millennia Credit Card?

To be eligible for the HDFC Millennia Credit Card, you must be an Indian resident aged 18 years or above. You should also have a regular source of income.

2. How do I apply for the HDFC Millennia Credit Card?

You can apply for the HDFC Millennia Credit Card online, through the HDFC Bank website. You will need to fill in an online application form and submit it along with the required documents.

3. How much is the annual fee for the HDFC Millennia Credit Card?

The annual fee for the HDFC Millennia Credit Card is Rs. 1,500.

4. How much is the interest rate on the HDFC Millennia Credit Card?

The interest rate on the HDFC Millennia Credit Card is 3.25% per month.

5. What are the late payment charges on the HDFC Millennia Credit Card?

The late payment charges on the HDFC Millennia Credit Card are 2% of the outstanding amount, with a minimum of Rs. 300.

6. What are the cash advance charges on the HDFC Millennia Credit Card?

The cash advance charges on the HDFC Millennia Credit Card are 2.5% of the withdrawn amount, with a minimum of Rs. 300.

7. What is the limit on the HDFC Millennia Credit Card?

The credit limit on the HDFC Millennia Credit Card is Rs. 1 lakh.

8. What is the credit limit on HDFC Millennia Credit Card?

The credit limit on the HDFC Millennia Credit Card depends on your income and repayment history.

9. How can I make payments on HDFC Millennia Credit Card?

You can make payments on HDFC Millennia Credit Card online, through the HDFC Bank website. You can also pay your credit card bill through net banking, mobile banking, or by visiting your nearest HDFC Bank branch.

10. How can I check my HDFC Millennia Credit Card balance?

You can check your HDFC Millennia Credit Card balance online, through the HDFC Bank website. You can also check your balance through net banking, mobile banking, or by visiting your nearest HDFC Bank branch.

11. How can I contact HDFC Bank in case of any queries?

You can contact HDFC Bank customer care at 1800-270-3333 or 1860-180-3333.

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