![]() HDFC Bank Millennia Credit CardApply Now |
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Joining Fee |
Rs. 1,000 (plus applicable taxes) |
Rewards and Benefits |
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Welcome Benefits |
1,000 CashPoints as a Welcome Benefit. |
Rewards Rate |
5% cashback (as CashPoints) at select partner online merchants and 1% cashback (as CashPoints) on all other spends (except fuel) |
Movie & Dining |
Up to 20% discount at partner restaurants with complimentary Dineout Passport membership |
Reward Redemption |
Rewards processed as CashPoints, 1 CP = Re. 1 while redeeming against statement balance of credit card and 1 CP = Rs. 0.30 while redeeming against products and vouchers in the product catalogue, and against flight/hotel booking. |
Travel |
Complimentary airport lounge access every year. |
Golf |
N/A |
Domestic Lounge |
2 complimentary visits per quarter. (8 in a year) |
International Lounge |
N/A |
Insurance Benefits |
N/A |
Zero Liability Protection |
Zero liability of the credit cardholder in case of fraudulent transactions after you have reported about the loss or theft of the card to the bank. |
Fees & Charges |
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Joining Fees |
Rs. 1,000 (plus taxes) |
Renewal Fee |
Rs. 1,000 (plus taxes). |
Spend based Waiver |
The renewal fee is waived off if the cardholder spends Rs. 1 Lakh or more in the previous year. |
Rewards Redemption Fee |
Rs. 99 per redemption request (plus applicable taxes) |
Foreign Currency Markup |
3.5% (plus applicable taxes) |
Interest Rates |
3.6% per month (or 43.2% per annum) |
Fuel Surcharge |
1% Fuel surcharge which is waived if you spend minimum Rs 400 in single transaction. The maximum CashBack is capped at Rs. 250 per payment cycle. |
Cash Advance Charge |
2.5% of the transaction amount, subject to a minimum fee of Rs. 500 |
Add-on Card Fee |
Nil |