Welcome Benefits

Upon payment of the joining membership fee, new cardholders receive the following welcome benefits:

• Welcome Gift: 1,000 bonus CashPoints
• Initial Rewards: The welcome benefit is applicable only on the payment of the joining membership fee

Other Benefits

The HDFC Bank Millennia Credit Card offers an array of other benefits to its cardholders, including:

• Cashback Rewards:
  • 5% cashback on transactions with partner merchants such as Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, and Zomato
  • 1% cashback on all other eligible online and offline spends, excluding fuel, rent payments, and government-related transactions
• Quarterly Spend Benefits:
  • Gift vouchers worth ₹1,000 on spends of ₹1,00,000 or more in each calendar quarter, amounting to ₹4,000 in gift vouchers per year
• Fuel Surcharge Waiver:
  • 1% fuel surcharge waiver on fuel transactions with a minimum transaction of ₹400 and a maximum waiver of ₹250 per statement cycle
• Dining Benefits:
  • Up to 20% discount on restaurant bill payments via Swiggy Dineout at over 20,000 restaurants, valid only on payments made via the Swiggy app
• Interest-Free Credit Period:
  • Up to 45 days of interest-free period to pay back the amount
• Security Features:
  • Zero liability on lost cards if reported immediately to the 24-hour call centre
  • Robust security features with 24x7 customer care assistance
• Contactless Payments:
  • Enabled for contactless payments, facilitating fast, convenient, and secure transactions at retail outlets
• Reward Redemption:
  • CashPoints can be redeemed against the card's statement balance, for flight/hotel reservations, or for purchasing products from the HDFC product catalog, with varying redemption values

• Earn 5% CashBack on spends from 10 popular online merchants, including Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, and Zomato.
• Get 1% CashBack on all other spends, including EMI transactions and wallet loads, excluding fuel, rent payments, and government-related transactions.
• Enjoy a Welcome Benefit of 1000 CashPoints upon payment of the joining membership fee.
• Receive a quarterly spend-based benefit of ₹1000 worth gift vouchers on spends of ₹1,00,000 and above in each calendar quarter.
• Avail 1% fuel surcharge waiver on fuel transactions, with a minimum transaction of ₹400 and a maximum cashback of ₹250 per statement cycle.
• Get complimentary domestic lounge access with 8 visits per year (twice in a quarter) through the MasterCard/Visa Lounge Access Program.
• Benefit from an interest-free period of up to 45 days to pay back the amount.

These attractive benefits make the HDFC Bank Millennia Credit Card an appealing choice for young professionals.

To activate your HDFC Bank Millennia Credit Card, you can choose from the following convenient methods:

• Online Activation: Log in to your HDFC Bank net banking account or the mobile banking app. Navigate to the credit card section and select the option to activate your card. Enter the required details, such as the card number and expiry date, to complete the activation process.
• Phone Activation: Call the HDFC Bank customer care number, which can be found on the bank's official website or the back of your credit card. Follow the automated instructions or speak with a customer service representative to activate your card. You may need to provide some personal and card details for verification.
• ATM Activation: Insert your card into an HDFC Bank ATM and select the option to activate your credit card from the menu. Follow the on-screen instructions to complete the activation process.

Once your card is activated, you can start enjoying the benefits and rewards offered by the HDFC Bank Millennia Credit Card, such as earning CashPoints on your purchases.

The HDFC Bank Millennia Credit Card rewards you with CashPoints, which can be redeemed in several ways to suit your preferences:

• Redemption Against Statement Balance: You can redeem your CashPoints against the due balance on your credit card statement, where 1 CashPoint is equal to Re. 1. This is a convenient way to offset your credit card bill using the points you've earned.
• Redemption for Products and Vouchers: CashPoints can be redeemed against products and vouchers available in the HDFC product catalogue. In this case, 1 CashPoint is equal to Rs. 0.30. However, effective from February 1, 2023, you can redeem up to 70% of the product/voucher value through Reward points and pay the remaining amount using your credit card.
• Redemption for Flights and Hotels: You can redeem CashPoints for flights and hotel bookings, but this is capped at 50% of the booking value per calendar month. The rest of the transaction amount must be paid using your credit card limit. This allows you to save on travel expenses while still enjoying the flexibility of using your credit card.
• Gift Vouchers: By spending Rs. 1 lakh or more in each calendar quarter, you can receive gift vouchers worth Rs. 1,000, which can be redeemed as part of the quarterly spend benefit. This is an additional reward for your loyalty and consistent usage of the HDFC Bank Millennia Credit Card.

It's important to keep in mind that unredeemed CashPoints will expire/lapse within 2 years of accumulation, so be sure to redeem your points before they expire to make the most of your rewards.