HDFC Bank Millennia Credit Card: The HDFC Millennia Credit Card a cashback credit by HDFC Bank offers significant value back on most of my purchases across everyday brands like Zomato, Amazon, Swiggy, Uber, and so on. The Millennia card is offered in four different variants i.e., Visa variant, MasterCard variant, Diners Club variant and RuPay variant.
Being an entry-level credit card, HDFC Bank offers several benefits according its customer needs such as you can earn cashback on EMI and wallet reloads, which is a rare benefits, also 5% cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato and a cashback of 1% on all other online and offline spends.
Contents
HDFC Bank Millennia Credit Card
1. Features and Benefits:
The HDFC Millennia Credit Card other than cashback benefit, offers many other benefits which include bonus CashPoints as a welcome gift, complimentary airport lounge access, dining discounts, and many more.
Here we have mentioned the features and benefits offered by the HDFC Millennia Credit Card:
- Welcome Benefits: The cardholders will receive 1,000 bonus CashPoints on the successful realization of the joining fee as welcome benefits.
- Travel Benefits: You get 8 complimentary visits in a year to the domestic airport lounges i.e., per quarter a maximum of 2 lounge visits on your HDFC Millennia credit card.
- Dining Benefits: You can avail discounts at premium restaurants across cities through the Good Food Trail Dining program.
- Zero Credit Card Lost Liability: In case, you lose your card you have no liability for any unauthorized purchases or any fraudulent transactions made with the card, and you have to report the same within 24 hours.
- Fuel Surcharge Waiver: On your fuel transactions (Max. of Rs. 250 per statement cycle), cardholders will get a fuel surcharge waiver of 1%, at fuel pumps all over India. This is applicable on a minimum transaction value of Rs. 400.
- Renewal Offer: This credit card comes with an annual fee of Rs. 1,000 which is eligible for a waiver if the cardholder is able to spend an amount exceeding Rs. 1,00,000 in an anniversary year.
- Interest-free Credit Period: From the date of purchase, you get up to 50 days of interest-free period on your HDFC Millennia credit card.
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2. Fees and Charges:
- The Annual fee or Renewal fee charges are- Rs. 1,000, the annual fee is eligible for waiver on spending a minimum of Rs. 1 lac in the preceding year.
- The Cash Withdrawal Fee, Rs. 500 or 2.5% of the withdrawn amount should be paid as cash advance fee on all cash withdrawals made using this card.
- For Interest Rate you have to pay an interest rate of 3.6% per month (or 42.3% p.a.) which is applicable to the amount due on the card’s statement if you are unable to clear all your dues within the payment due date.
- On all the Foreign currency transaction, you have to pay forex fee of 3.5% on the transacted amount. This fee is to be paid on all international transactions done using this credit card.
- Late Payment Charges are- apart from the interest rate, a late payment fee shall also be applicable, For Statement Balance: Less than Rs. 100: Nil, Between Rs. 100 to Rs. 500: Rs. 100, Between Rs. 501 to Rs. 5,000: Rs. 500, Between Rs. 5,001 to Rs. 10,000: Rs. 600, Between Rs. 10,001 to Rs. 25,000: Rs 800, Between Rs. 25,001 to Rs. 50,000: Rs. 1,100, and for Above Rs. 50,000: Rs. 1,300.
3. Eligibility Criteria to Apply:
The common eligibility criteria and the documents required to apply for HDFC Millennia credit card are as follows:
- The age limit for applying for this card is 21-40 years of age for salaried employees and also for Self-Employed Individuals.
- The cardholder should be an Indian resident.
- The cardholder should have a stable source of income either through salary i.e., should earn a minimum of Rs. 35,000 per month or if self-employment i.e., should be filling an ITR of a minimum of Rs. 6,00,000 annually.
- For Identity Proof documents you need are Aadhar Card, Voters Id, PAN Card, Passport, Driving License.
- For Address Proof, Utility bills of the latest months, Aadhar Card, Passport, and Ration card are the needed documents.
- For Income Proof, you need to submit the latest bank statement as a salaried person, and can also, submit your company ID card, if you are salaried, and if you are self-employed, you should submit your latest ITR.
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4. How to Apply for HDFC Millennia credit card:
For HDFC Millennia credit card you can apply either online or offline. For offline mode, you can visit your nearest HDFC Bank branch with all the required documents and fill out the physical application form.
Here are the steps to be followed to apply for your HDFC Millennia credit card:
- Step 1: Visit Official website of the HDFC Bank- www.hdfcbank.com
- Step 2: Click on ‘Apply Now’ option.
- Step 3: Next, under the Millennia Credit Card click on ‘Sign Up’ option.
- Step 4: Then, you will be redirected to HDFC’s credit card application page.
- Step 5: Enter all the requested details and providing the required documents.
This the way in which you can apply for HDFC Millennia credit card online.
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