HDFC Bank Millennia Credit Card

1) What are the key features of the Millennia Credit Card?

• 5% CashBack on 10 online merchants (Amazon, BookMyShow, Cult.fit, Flipkart, Myntra,
Sony LIV, Swiggy, Tata CLiQ, Uber & Zomato)
• 1% CashBack on all other spends (except Fuel, Rent Payments and Govt Related txns)
including EMI spends & Wallet loads
Note:
With effect from 1st January 2023, Rent payments and Govt Related transactions will
NOT earn Reward Points

2) What are the Welcome and Milestone benefits on the Millennia Credit Card?
• Quarterly spend based benefit of ₹1000 worth gift vouchers on spends of ₹1,00,000
and above in each calendar quarter
• You will receive a Welcome Benefit of 1000 CashPoints (applicable only on payment of
Joining membership fee)

3) How can a cardholder maximise CashPoints earning on Millennia Credit Card?

Cardholder can maximise CashPoints earning through below ways:

o Earn 5% CashBack from 10 Online Merchants.

o Earn 1% CashBack even on Wallet loads and all the EMI spends

4) What is Quarterly Spend Based benefit? How can a cardholder come to know whether
he is eligible for ₹1000 gift voucher?
• Cardholder will be getting ₹1000 worth gift voucher on spends of ₹1,00,000 and above
in each calendar quarter.
• Cardholder can view the spends achievement via Net Banking. Please follow the path
to check:
Net banking login → cards →Enquire →Redeem Reward Points → Select Card →My
Rewards → Spend Promo Details
Once cardholder is eligible post achieving the target, voucher message will be
triggered to registered phone number & email ID within 30 working days.

5) What are CashPoints?

CashPoints are an exclusive Rewards metric system created for our Credit Cardholders.
CashPoints can be utilized towards CashBack redemption against the statement at the
rate of 1 CashPoint = ₹1 for Millennia Credit Card Holders.

Please note that CashPoints will be posted as Reward Points only.

6) How can a customer use the cashback earned?
• CashBack will be given in the form of CashPoints, which can be redeemed by the
customer against the statement balance
• The redemption against the statement balance will be at the rate of 1 CashPoint =
₹1, and can be done via Net Banking login, Phone Banking, or physical redemption
form.
• The minimum CashPoint balance required for redemption against the statement
balance is 500 CashPoints.
• CashPoints can also be used for redemption against travel benefits like Flight &
Hotel bookings and Rewards Catalogue at the SmartBuy Rewards Portal, at a value
of 1 CashPoint = ₹0.30
• With effect from 1st February 2023, Reward points redemption for CashBack
redemption are capped per calendar month to 3000 rewards points
• Flights and Hotels redemption information, Credit Card members can redeem up
to a maximum of 50% of the booking value through Cash Points. Rest of the
transaction amount will have to be paid via the Credit Card limit.
• With effect from 1st January 2023, Reward points redemption for flights & hotels
bookings are capped per calendar month at 50,000.
• With effect from 1st February 2023, cardmembers can redeem upto 70% of
product/Voucher value through Reward points on select vouchers/products and
pay the remaining amount via Credit card.
• Unredeemed CashPoints will expire/lapse within 2 years of accumulation

7) What are the other benefits on the Millennia Credit Card?

• 1% Fuel Surcharge Waiver
• 1% Fuel Surcharge waiver on fuel transactions (Minimum transaction of ₹400,
Maximum transaction of ₹5,000 & Maximum CashBack of ₹250 per statement
cycle)
• The rate of surcharge may vary depending on the fuel station and their
acquiring bank. GST is as applicable.

• Exclusive Dining Privileges

• Get up to 20 % savings off on all your restaurant bill payments via Swiggy
Dineout (20k + restaurants) (Offer inclusive of Restaurant and Swiggy Discount).
Offer valid only on payments done via Swiggy App.

8) How is HDFC Bank Millennia Credit Card a one stop solution for all payment needs?
• There is no minimum transaction value for earning CashPoints and cardholder will get
an assured reward on all the transactions (except fuel transaction)
• You will get upto 45 days of interest free period to payback the amount.
9) How will a cardholder get cashback on EMI spends?
• Cardholder will be getting 1% Cashback on the below type of EMI’s
o Merchant/EasyEMI
o Aggregator EMI
o Brand EMI
• SmartEMI/Dial An EMI (DAE) is not considered under this feature.
• If a cardholder did an EMI transaction on the 10 online merchants under 5% Cashback
category, then cardholder will get 1% cashback.
• Only EMI principal amount will be rewarded with CashPoints. Interest & processing
fees amounts will not eligible for CashPoints.

10) As a Cardholder I am not getting CashPoints on all spends, why so?

• CashBack shall not be eligible for the following spends/transactions on the card,
o Fuel Spends
o Rent payments and Govt Related transactions
o Cash Advances
o Payment of Outstanding Balances
o Payment of card fees and other charges
o Smart EMI / Dial an EMI transactions
• If a cardholder breaches the monthly cycle capping of the product feature of 1,000
CashPoints, then CashPoints shall not be rewarded for the spends done beyond the
monthly capping.
• With effect from 1st January 2023, Rent payments and Govt related transactions will
NOT earn Reward Points.

11) Is there any capping for Cashback earned on Millenia card Features?

Please note that there is a calendar month capping on CashPoints accrued on the below
mentioned features.

o Maximum capping for 5% cashback on 10 online merchants is 1,000 CP

o Maximum capping for 1% cashback on other spends is 1,000 CP

12) Cardholder did a transaction in 10 online merchants and didn’t get cashback as per
the 5% cashback feature?
• Cashback of 5% will be calculated basis the Terminal / merchant IDs (TIDs & MIDs)
shared by the respective merchant partners. If in case the TID / MID is not available in
the set-up, such transactions will not qualify for the benefit.

13) What will happen to cardholder existing CashPoints earned in the Millennia?

For existing customers, the available CashPoints in cardholder account will be intact and
there would be no changes to it.
14) How does a cardholder calculate CashPoints earned on monthly spends?

CashPoints are calculated on the spends made within the calendar month cycle. Only
settled transactions within the calendar month will be considered for CashPoints posting.

To check for the Cash Points accrued, refer to current and previous statements received.

For example: Cardholder statement is received on every 18th of the month. The
CashPoints accrued for cardholder transactions from 1st of January till 31st of January will
be calculated and posted on the 1st of February and the same can be seen when
cardholder receive the statement on 18th of February. For calculating the same on
cardholder end, refer to January month statement and February month statement. Below
shows an illustration on how to calculate:

FEB STATEMENT : Billing Cycle - 18th of every month

TRANSACTION AMT (in CASHPOINTS TYPE: CASHPOINTS
No TRANSACTION AT: COMMENTS
DATE Rs.) TRANSACTION CATEGORY ACCRUED
1 19th Jan Restaurant Bill Payment 1,000 1% CashPoints 10 Eligible for CashPoints
2 22nd Jan Bill Payment via PayZapp 1,500 1% CashPoints 15 Eligible for CashPoints
Tata Cliq - Normal
3 24th Jan 3,000 5% CashPoints 150 Eligible for CashPoints
Purchase
4 27th Jan Fuel Transaction 400 - Fuel transaction is not eligible for CashPoints
5 12th Feb Amazon Grocery 3,000 5% CashPoints 150 Eligible for CashPoints in Feb Calendar month
6 13th Feb Zomato 400 5% CashPoints 20 Eligible for CashPoints in Feb Calendar month
7 14th Feb Swiggy 400 5% CashPoints 20 Eligible for CashPoints in Feb Calendar month
Jan CashPoints
8 Total Points 175
earned

Total 985 CashPoints of Jan will be available

Total points
9 Total Points 985 for redemption post Feb month statement
earned for Jan
generation

15) How much CashPoints will a cardholder earn if the cardholder does a Prepaid Card /
Gift Card /Wallet load and / or Voucher purchase from 10 online merchants?

A cardholder will be eligible for 1% CashPoints on prepaid card/gift Card/ wallet load and
/ or voucher purchases. All the transactions carried out through the Merchant Category
Code (MCC) of 6540 (as defined by card networks Visa, MasterCard, RuPay and Diners) will
be considered under 1% CashPoints.
16) If a cardholder places an order in Uber Eats, whether cardholder will be eligible for
5% CashPoints as per product feature?

A cardholder will be eligible for 1% CashPoints if he/she orders in Uber Eats. The 5%
CashPoints on Uber is eligible for travel/commute related spends. The Uber transactions
carried out through the MCC code of 4121 (as defined by card networks Visa, MasterCard,
RuPay and Diners) will only be considered for 5% CashPoints.

17) When will the earned CashPoints be posted in the cardholder statement?

The total CashPoints earned in a cycle will reflect in the subsequent statement of the
cardholder.

18) How many CashPoints will be earned if a cardholder spends through

SmartBuy/PayZapp?

A cardholder will be eligible for 1% CashPoints as per product feature if he/she does a
transaction through SmartBuy/PayZapp which includes transaction from 10 online
merchants also. All other existing SmartBuy/PayZapp offers will be applicable as per
SmartBuy/PayZapp Terms & Conditions.

19) Who is eligible for a Millennia Credit Card?

Customer Profile Criteria

Salaried Age: Min 21 yrs & Max 40 Yrs, Income: Gross

Monthly Income> Rs 35,000

Self Employed Age: Min 21 yrs & Max 40 Yrs, Income: ITR >
Rs 6 Lakhs per annum

20) Can contactless transactions be done on the Millennia Credit Card?

The HDFC Bank Millennia Credit Card is enabled for contactless payments, facilitating
fast, convenient and secure payments at retail outlets (Check for the contactless network
symbol on the card plastic)

Please note that in India, payment through contactless mode is allowed for a maximum of
₹5,000 for a single transaction where you are not asked to input your Credit Card PIN.
However, if the amount is higher than or equal to ₹5,000, the Card holder has to enter the
Credit Card PIN for security reasons.
21) What are the Fees and Charges applicable on the Millennia Credit Card?

First Year Membership Fee – ₹1000/- + Applicable Taxes

Renewal Membership Fee – ₹1000/- + Applicable Taxes

Spend ₹1,00,000 in 12 Months and get Renewal Fee waived for next renewal year.

Goods and Services Tax (GST)

Effective 1st July 2017, Goods & Services Tax (GST) is applicable on all Fees, Charges and
Interest transactions.

The applicable GST would be dependent on place of provision (POP) and place of supply (POS).
If POP and POS are in the same state then applicable GST would be CGST and SGST/UTGST
else, IGST.

GST For FEE & Charges / Interest transactions Billed on statement date will reflect in next
month statement.

GST levied will not be reversed on Any dispute on Fee & Charges / interest.

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