Millennia Credit Card

Name: Millennia Credit Card
Brand: HDFC Bank
Price: 1000 INR

HDFC Bank•VisaMastercardDiners ClubCashbackActive

Official Page ↗

Highlights

Base reward rate: 1% return (1 pts per ₹100)
Domestic Lounge: 1 visits/quarter via Visa Lounge Program

Welcome / Joining Benefit

Welcome benefit of 1,000 CashPoints on payment of joining fee.

Points Expiry

CashPoints expire after 2 years.

Joining Fee

₹1,000

+18% GST applicable

Annual Fee

₹1,000

+18% GST applicable

Renewal Fee

₹1,000

+18% GST applicable

Joining Fee Waiver

Welcome benefit of 1,000 CashPoints on payment of joining fee.

Annual Fee Waiver

Spend Threshold₹1,00,000

PeriodPrevious anniversary year

Spend ₹1 Lakh in the anniversary year to get renewal fee waived.

Basic Requirements

Minimum Age21 years

Maximum Age40 years

Eligible OccupationSalaried, Self-Employed

Additional Details

Requires monthly salary > ₹35,000 or ITR > ₹6 Lakhs.

Forex markup: 0%

Base Reward Rate

Points per Spend

1 pts

Per Every

₹100

Effective Return

Currency: CashPoints — 1 point ≈ ₹1

Accelerated & Special Rates

5% Cashback on Amazon, Flipkart, Swiggy, Uber, Zomato, Tata CLiQ, Myntra, Yatra, Cult.fit, BookMyShow.

5% return

Cap: 1,000 pts / Monthly

❌ No Points Earned On:

FuelRentWallet LoadGovernment SpendsEducation

Milestone Benefits

₹1,000 worth gift vouchers on spends of ₹1 Lakh per calendar quarter.

🛫 Domestic Lounge Access

ProgramVisa Lounge Program

Visits1 per quarter

Guest AccessNo

Unlock CriteriaSpend ₹1,00,000 in Previous calendar quarter

Redemption Options

CashPoints

Smart Redemption Tips

🏆 Best value: Cashback at ₹1.00/pt — maximize your returns here.

🪙 Reward currency: CashPoints

Best Value

💰Cashback

Redeem CashPoints as cashback

₹1.00/pt

💳Statement Credit

Redeem CashPoints against statement

₹1.00/pt

Points Transfer Partners

Total: 0 partners

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