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Key Takeaways:
The HDFC Millennia credit card is a type of credit card that provides multiple benefits to people in terms of shopping, dining, getting lounge access, etc. A cardholder can enjoy these benefits as per the reward points and cashback features applied to this card. People need to meet the proper eligibility criteria to get the HDFC Millennia credit card. Therefore, in this blog, we will understand the HDFC Millennia credit card in detail.
Key takeaways:
There are multiple benefits offered by the HDFC Millennia Credit Card, such as reward points, lounge access, discount offers, etc.
Here are the benefits of the HDFC Millennia Credit Card:
The HDFC Bank Millennia Credit Card offers 5% cashback on eligible spends at Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, and more, while other eligible spends earn 1% cashback, subject to the applicable terms and conditions. You can make payments on various online platforms like Amazon, Flipkart, Myntra, Zomato, BookMyShow, CultFit, Uber, Tata Cliq, etc.
No cashback offers are limited by time frames. Binge-watch your favourite series on Netflix or catch a movie on BookMyShow. Head out to cafes or restaurants or have a meal plan with your friends.
Millennia Credit Card rewards you for being an elite millennial. Get a ₹1000 gift voucher on spending of ₹100,000 per calendar quarter.
The HDFC Bank Millennia Credit Card offers domestic airport lounge access subject to meeting the applicable quarterly spending milestone and the bank’s terms and conditions.
A credit card for millennials is the perfect companion for travelling. You can also enjoy exclusive deals and discounts, apart from getting access to a plethora of travel options.
1% fuel surcharge waiver at all fuel stations across India (applicable on transactions between ₹400 and ₹5,000, with a maximum waiver of ₹250 per statement cycle).
With the HDFC Bank Millennia Credit Card, you can get an additional 10% discount on eligible dining bills through Swiggy Dineout, subject to the applicable terms and conditions. So, go on and treat yourself to a good meal.
Most credit cards come with a set of features enabling them to stand out from the rest. The Millennia Credit Card also comes with fantastic features like 24x7 customer care assistance. The HDFC Bank Millennia Credit Card offers zero liability for unauthorised transactions on a lost card, subject to immediate reporting of the loss to the bank and the applicable terms and conditions. One of the other credit card benefits is the seamless digital experience while making transactions.
Although you are going cashless, you can track your spending patterns and manage your finances better with these features.
Lounge access on a credit card allows eligible cardholders to access airport lounges, subject to the card's eligibility requirements and applicable terms and conditions. As an alternative to waiting at the busy and noisy terminal gates for your flight, you can enjoy waiting in a private and comfortable airport lounge for free or with a small fee.
Lounge access on the Millennia credit card is now integrated into the Quarterly Spends Milestone programme. Whereas, complimentary lounge access on the Millennia credit card is discontinued effective at midnight on 30th Nov 2023.
The quarterly spending milestone programme is one of the HDFC Millennia Credit Card’s features that reward customers for hitting benchmark figures. Customers who are able to spend at least ₹100,000 in a given quarter can achieve the quarterly spending milestone. Moreover, users can choose to avail either an HOI airport lounge access voucher or a ₹1,000 voucher from the list of brands available here.
Customers shall not be able to avail more than one voucher from the list. For these card benefits, the bank uses four distinct quarters that are divided as the First Quarter (Jan-Mar), Second Quarter (Apr-Jun), Third Quarter (Jul-Sep), and Fourth Quarter (Oct-Dec).
To earn this HDFC credit card benefit, it is important to understand that only the amount of net cardholder-initiated spends will be taken into account for determining the customer’s eligibility. Any reversal or refund that has been credited back to the cardholder’s account would be adjusted against the total amount spent in a given quarter. Furthermore, bank fees and charges, such as annual fees, are excluded from qualifying milestone spending.
One needs to follow the proper steps to claim the HDFC Millennia Credit Card Lounge access.
Here are the steps:
Ensure you claim your milestone voucher within 120 days of receiving your winner notification. You can find the exact expiry date mentioned in the confirmation SMS/email.
1. Launch the Link: Open the link mentioned in the SMS/email or type the below-mentioned URL in your browser’s address bar: www.gyftr.com/myrewards/hdfcbankmillennia/
2. Login: Log in to the Gyft platform by entering the mobile number you registered with and entering the One-Time Password (OTP).
3. Claim your preferred brand: On successful OTP verification, you will be redirected to the “MILLENNIA QUARTERLY MILESTONE BENEFIT” page. To claim your HOI brand voucher for lounge access, upon landing on this page, select the HOI voucher option. (Please note that lounge access, which was earlier a separate benefit, is now clubbed under the milestone programme. Upon crossing a milestone, you can choose either an HOI Airport Lounge voucher or a ₹1,000 brand voucher of your choice.
4. Retrieve Voucher Information: On claiming the HOI Airport Lounge Access voucher, you will receive a message and an email with the unique voucher code. Upon visiting a participating lounge, present the voucher code or scan the QR code mentioned in the email. In case of any queries or concerns while at the lounge, contact the customer care numbers mentioned in the email on your e-voucher. Moreover, the voucher will be valid for three months.
There are multiple airport lounges supported by the HDFC Millennia Credit Card, such as Chennai Airport, Kolkata airport, Bangalore Airport, etc.
Here is the list of the airport lounges supported by the HDFC Millenia Credit Card:
*T&C Apply
Encalm Lounge
Hence, these are the airports supported by the HDFC Millennia Credit Card.
HDFC Bank provides certain criteria for people to meet to get the HDFC Millennia Credit Card. The criteria may vary for a salaried person and a self-employed person.
Here are the eligibility criteria for the HDFC Millennia Credit Card:
Income: Net monthly income should be more than ₹35,000
2. Self-Employed
Hence, these are the eligibility criteria for the HDFC Millennia Credit Card.
The HDFC Millennia credit card offers multiple benefits to people, including lounge access. Salaried and self-employed people need to meet the eligibility criteria to get this card. Moreover, lounge access is not directly offered to people; one needs to meet the quarterly spending milestone programme to earn lounge access on the HDFC Millennia Credit Card.
HDFC Bank provides multiple variants of credit cards, like the HDFC Regalia Gold Credit Card, the TATA Neu Infinity HDFC Bank Credit Card, etc.
Getting lounge access from the HDFC Millennia Credit Card depends on the person's ability to meet the Millennia Quarterly Benefit Programme.
People who are able to spend ₹100,000 every quarter can become eligible for the Millennia Quarterly Benefit Programme.
The lounge benefits vary drastically from one HDFC card to another, and there is no uniform standard across the bank's card lineup.
The HDFC Millennia Credit Card offers lounge access at several airports including, Indira Gandhi International Airport T3 (Delhi), Rajiv Gandhi International Airport T1 (Hyderabad), etc.
The HDFC Millennia Credit Card offers lounge access at Kempegowda International Airport T1 (Bengaluru), Chhatrapati Shivaji Maharaj International Airport T2 (Mumbai), etc.
The major benefits of having the HDFC Millennia Credit Card are that you can get 5% cashback on online shopping from Amazon, Flipkart, etc. Moreover, you can receive a ₹1,000 gift voucher on every ₹100,000 spent quarterly.
The full form of HDFC is Housing Development Finance Corporation Limited.
The disadvantage of the HDFC Millennia Credit Card is that you might need to spend ₹100,000 every quarter to get lounge access at selected airports in India.
Every bank has its own policies for offering lounge benefits on its credit cards and their variants; hence, these features vary from one card to another.
