enable_page_level_ads: true google_ad_client: "ca-pub-2310760204653333", Further, the cash advances do attract a finance charge equal to finance charges on the cash withdrawn and will be charged from the date of withdrawal till the payment is paid in full. Keeping in mind all the pros and cons of both credit cards, it can be concluded that if the majority of your online spends are for bill payments and mobile/DTH recharges and food orders, and youre not a very big fan of online shopping, Axis Bank Ace Credit Card which comes with a lower annual fee should be your pick. If you regularly shop from Amazon India, this card is a must for you. You will receive a Welcome Benefit/Renewal Benefit of 1000 Cash Points (applicable only on payment of membership fee). 5 lakh, Avail Fuel Surcharge Waiver - 1% fuel surcharge waived off at fuel stations within India. But still its a good card for foreign spends owing to low foreign currency markup fee. In this Millennia credit card review, let us check out some benefits you get from Millennia Credit Card and Millennia Credit Card limit: 1. Video Link :- https://youtu.be/XRy9NPv_rzwICICI Amazon Pay Credit Card VideoAbout This Video :-this video is on hdfc bank millennia credit card and in this video we have discussed what are the features, benefits and hidden charges of hdfc bank millennia credit card. Benefits of Zero Liability: In case the card gets damaged, lost, stolen, etc., then if informed within 24 hours the company will make the liability zero on the card. The card provides cashback in the form of CashPoints. What are the effects of typhoon to plants? 1000 + Applicable Taxes, Welcome Benefit includes getting 1000 Reward Points and the renewal benefit of 1000 Reward Points thats applicable only after the membership fee is realized and not applicable when the fee is waived off, Enjoy 8 complimentary domestic airport lounge access per year, Via Priority Pass, avail 3 complimentary international lounge access per calendar year, Avail 4 reward points on Rs. If your HDFC credit card has a net banking account, you can check your total cash limit and available cash limit on the card by logging in to your account either on online website or HDFC mobile app. The HDFC Millennia Credit Card is a CashBack Credit Card offered by the HDFC Bank, which comes with numerous benefits. 400 and the maximum waiver that can be availed is Rs. Since the HDFC Millennia Credit Card requires you to do a minimum transaction of 2000 or above for getting cashback, Flipkart Axis Bank Credit Card should come to your rescue for general transactions below 2000. The cashback points are capped at 1000 points for the 5% category and 1000 points for the 1% category every cycle. With regards to HDFC cash advance, just like most other banks, HDFC offers cash withdrawal feature on most of its credit cards. Cards issued hereafter will have the renewed . 1,000 per annum. We use cookies on our website to give you the most relevant experience by remembering your preferences and repeat visits. Kindly reach out to the Bank's contact center on 1800 419 4332 or visit the nearest IDFC FIRST Bank branch for further queries. Interest Free Credit Period : Up to 50 days of interest free period on your HDFC Bank Millennia Credit Card from the date of purchase (subject to the . 25000 at merchant establishments for shopping Do bear in mind that there are various other travel credit cards in the market that offer more comprehensive benefits, The cardholders will avail of the free Priority Pass membership only after making four retail transactions and they have to apply for the same, The Reward Points expires after two years, The travel insurance cover is valid only for international travels, The complimentary insurance wont cover add-on card members. in this video we also have discussed the late payment fees of hdfc millennia credit card and interest charges of hdfc bank millennia credit card. Other offline payments except fuel bills give cashback points of 1%. 020-71634200 ( Mon to Sat - 10 am to 7 pm ). The cashback is directly adjusted against the cards statement balance every month. Which is your preferred credit card for foreign travel and spends? Some of the key features of the Axis Bank Ace Credit Card are as under-. 4 complimentary domestic lounge access per annum. and 1% cashback on all other online and offline spends. Although aimed towards millennials, it is popular amongst all age groups, due to the sheer volume of reward points associated with the card. 35,000 per month (salaried applicants) or Rs. Thanks for subscribing. convert your HDFC Millennia Credit Card to Lifetime Free, Become an Expert in Voice Over by Following These Simple Tips. The final way to enable international transactions on your HDFC Credit Card is through net banking and you can do so by following the below steps:- Open the HDFC Net Banking Page and make an HDFC Credit Card Login. 1. The minimum transaction should be Rs. 250 per statement cycle. Apply now at Axis Bank! How to activate debit card for international usage? For your convenience, we have listed finance charges on a few HDFC Credit Card variants. There is only one catch: the minimum transaction needs to be 2000 to be eligible for cashback (both 5% and 2.5%). 1 lakh in the preceding membership year. give cashback points of 5%. we have discussed all the cashback offered by hdfc bank millennia credit card and the discounts on partner brands of hdfc bank millenia credit card. Earn 1000 cashpoints for shopping via Payzapp or Smartbuy platform for the first 6 months of card issuance. However, the Bank might also waive off the joining fees if the individual has maintained a good standing relationship or on the biases of the past transaction history with the Bank. Alternative 1: Flipkart Axis Bank Credit Card. It is one of the best cashback credit cards in India and offers up to 5% cashback for online transactions and 1% cashback on all offline spends. 499 per annum. One can also get a flat 25% off at 2000+ premium restaurants, an additional 10% off on InterMiles HDFC Bank Signature Club Credit Card, 1+1 on the buffet at 200+ restaurants, and early access to events and festivals such as Gourmetliciou, The Cardholders are also eligible for getting an accident air death cover worth Rs. In this article, we will discuss the reward rate and other benefits that these . However this fee is waived off for Classic, Preferred and Imperia customers. However, you may visit "Cookie Settings" to provide a controlled consent. HDFC Diners Club Privilege Credit Card, 8. 4. 400, Maximum CashBack of Rs. Premium Millennia Debit Card Fees & Charges | HDFC Bank Home Cards, Bill Pay Bonds, Mutual Funds Shop Offers, Discounts Personal SAVE Accounts Salary Account Premium with Millennia Debit Card Fees and Charges Premium Millennia Debit Card Rates & Charges OPEN INSTANTLY CHAT WITH EVA All You Need To Know TERMS & CONDITIONS FEATURES ELIGIBILITY 20% discount at partner restaurants with Dineout Passport. 0.30) or can be transferred to partner airlines frequent flyer programs (1 CP = Rs. The cashback earned on HDFC Millennia Credit Card is processed as CashPoints which can either be redeemed against the cards statement balance (1 CP = Re. This includes the Millennia Credit Card, Millennia Debit Card, Millennia Prepaid Card, and the EasyEMI Credit Card. Here are a few steps to enable international usage on your HDFC Bank Debit Card- Log on to Net Banking with your credentials. However, the cash advance fee is subject to change at the discretion of the bank. Sushma is a full-time blogger and financial expert. 1 Can we use HDFC Debit Card internationally? HDFC Bank Millenia Debit Card comes with an annual fee of Rs. Get 1% Cashback on all other spends. 30,000 and above during the first 90 days. In the meantime, there are Credit Cards. The HDFC Millennia credit card is ideal for you if you are a frequent shopper who is always looking for rewards and cashback. So, dont worry about which variant you would be given. Pondering how the HDFC Regalia First came into existence? Looking for the best credit card in India which can give you maximum benefits in 2021? Save my name, email, and website in this browser for the next time I comment. Welcome Bonus: As soon as you get your credit card approved by HDFC, you will be rewarded with 1000 cashback points as a welcome bonus. HDFC Bank Millenia Debit Card comes with an annual fee of Rs. Cash withdrawal facility can now be availed across merchant establishments with a maximum upper limit of Rs.1,000/ day on your HDFC Bank Debit Cards. You can get in touch with him via nirmal@hitricks.com. HDFC Millennia Credit Card is offered in three variants- Visa, MasterCard and RuPay variants. What Will The Future Of Banking Look Like? Following are the few disadvantages of it: To apply for HDFC Millennia Credit Card, please click here. 3.5% + applicable taxes on foreign currency transaction carried out on Debit Cards. Unfortunately, you wont know which variant you will be given, until your card is generated. Latest Credit Cards, Offers, Cashback , Daily in your Inbox. Other uncategorized cookies are those that are being analyzed and have not been classified into a category as yet. 400. This credit card has lowest foreign currency markup in India at present. Daily Limits: Rs. Yes, the credit card cash withdrawal facility can be availed at any bank ATM. Following are the fees that you will have to pay throughout your ownership of the HDFC Millennia credit card: Every card has its benefits and drawbacks. You will earn 2.5% cashback on online spending outside the Smartbuy portal. . How Online Privacy Differs Around The World? Can we use HDFC Debit Card internationally? Axis Bank Magnus Credit Card though isnt effective in recovering the cost of forex markup, it does provide some perks like VIP Assistance Services and international airport lounge access to guests which can make your international travel pleasant. With an annual charge of 500+GST, you can get a renewal fee waiver if you spend more than 2 Lakhs in a year. 1 CashPoint = Rs. Type above and press Enter to search. You'll need documents including income proof, address proof and identity proof for the. Or, you can also visit the nearest branch of HDFC Bank and apply for the card. Do note that the first years membership fee will get waived off if the individual spends Rs. HSBC Cashback Credit Card: You can avail below-mentioned welcome benefits* via this credit card on a single transaction of a minimum of Rs. Functional cookies help to perform certain functionalities like sharing the content of the website on social media platforms, collect feedbacks, and other third-party features. Then you can apply for your desired HDFC Credit Card. Though ICICI Bank Emeralde Credit Card has poor reward rate, other benefits outweigh it, especially during international travel. The bank has revised the fee structure for paying rent through third-party merchants. HDFC Credit Card Foreign Transaction Charges: You are required to pay this charge if you use your credit card to transact abroad. Check out the How to apply section below. Also, the HDFC Millennia credit card supports contactless payment with security enabled. Along with the benefits of online transactions, this card also provides 1% cashback on offline spending, free lounge access, gift vouchers, etc. 2,500 within 30 days of card issuance: Amazon vouchers (worth Rs. Your HDFC Bank EasyShop International Debit Card brings to you a world of convenience. Each credit card has a different rate of interest ranging from 1.99% per month to 3.49%. So why waiting? 1,000 + GST, usually waived off, 6 international airport lounge access per year using Priority Pass, International Airport lounge access is complimentary for primary as well add-on card members, Reward Rate: 3.3% (normal) + 1.5% (cashback) = 4.8%, 1 international airport lounge access free per month using Priority Pass if card spend in the last month exceeds Rs. 1, Redemption against travel benefits such as Flight & Hotel bookings and Rewards Catalogue at the SmartBuy Rewards Portal: 1 CashPoint = Rs. It has 3k+ active members at the time of writing this post. We actively engage in meaningful discussions around financial matters, including credit cards. American Express Platinum Card comes with host of perks and benefits and is a must have for luxury travel. Even the eligibility criteria for this credit card are easier. Uh-oh! Apply for a Millennia credit card by clicking on the Apply Online option as shown. The HDFC Regalia First Credit Card Benefits and Features. This fee is as high as 3.5% + GST (~4.13%) for some credit cards. 2,000. For Salaried: Monthly Income of 25k, For Self-Employed: Annual Income of 6L or more. No, the cash advance fee and other finance charges will reflect in your next billing statement. Offers would be from partner Banks/NBFCs only. However, Rs. Alternatively, you can also call HDFC customer care, provide your credit card details and check your cash limit. HDFC Bank Millennia Credit Card is also available on MasterCard, Visa Signature, and Diners Club platforms. One is eligible for Regalia First Card based on the following criteria: To apply for HDFC Regalia First Credit Card, please click here. Now click on the Set Card Usage/Limits option. For that only reason, you may want to keep some other reward cards for small valued transactions. Activate your Credit Card within minutes and enjoy unlimited benefits. You get 8 complimentary domestic and 2 complimentary international airport lounge access per annum with the Millennia Credit Card. For availing the complimentary airport lounge access benefits, just swipe the Millennia Credit Card. What is the international transaction fee on debit card? HDFC Millennia Credit Card has Welcome and Milestone benefits that include: Launch offer of Rs. The card is offered in three variants- Visa variant, MasterCard variant and RuPay variant. Though the acceptance of Diners Club cards is very good India, its acceptance in foreign countries is still questionable. Zero Lost card liability : In the unfortunate event of losing your HDFC Bank Millennia Credit Card, on reporting it immediately to our 24-hour call centre, you have zero liability on any fraudulent transactions made on your Credit Card. 10,000 + GST, reward points of equivalent value are provided, Unlimited international airport lounge access to primary as well as add-on card members, 2X reward points on dining spends including international, 1% cashback (limited to Rs. 1,000 + GST, usually waived off Other Benefits: 6 international airport lounge access per year using Priority Pass 2 lakh were spent in the previous year. Pay but no contact: If your transaction amount is up to Rs 5000, you don't have to enter any credit PIN. HDFC Millennia Credit Card comes with a slightly higher membership fee of Rs. If you are between 18-21, consider applying for the Flipkart Axis Bank Credit Card instead. Further, Bajaj Markets also offers a marketplace e-commerce platform to facilitate transactions between customers and sellers on-boarded on the platform. Along with a cashback of up to 5% (in the form of CashPoints) on all transactions, it comes with several benefits over different categories, including travel, dining, welcome bonus, fuel, etc. There is no upper limit on the cashback that can be earned on the card. HDFC Bank Millennia Credit Card is an ideal first credit card for beginners and I would recommend it highly. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products. Though on the fly conversion gives you a piece of mind by showing exact amount youre spending in INR, it generally adds extra charges. One of the best cashback credit cards available today is HDFC Millennia and it offers consumers a wide range of advantages and perks. You can apply online for this card using my referral link below: Using above link, both of us will get Rs. All these cards are targeted towards youngsters who regularly like to use their cards online and offline for shopping, traveling, eating, entertainment, and more. 3,00,000 or more in a year and get extra 2,500 reward points (Rs.750) by spending Rs.6,00,000 or more in a year, Avail Annual Fee Reversal by spending more than 1 lakh in the previous year, the annual fee gets waived off, Enjoy up to 35% off on dining by using the Credit Card when spending Rs 75,000 and more every calendar quarter. Millennia Credit Card is aimed at millennials. EasyEMI Card earns you a cashback of 5% on Amazon and Flipkart and on flight bookings and hotel reservations via SmartBuy. On online merchant payments, you will be availed of 5% of cashback points. Owning and using an HDFC Bank credit card does attract some charges, including maintenance charges, finance charges, overlimit charges, etc. CashPoints can be redeemed during purchases by availing cashback in the card statement or can be used to get discounts at air lounges, hotel and flight bookings, etc. Wait for the application to get approved after clearing the Submit & Receive section. Can I still apply for HDFC Millennia Debit Card? When one makes expenditures using credit card, they get CashPoints. From the options, select Cash withdrawal, Cardholders can withdraw liquid cash in times of cash crunch and when, No need to pay any fee if the facility is unused, No wait time. The HDFC Millennia Credit Card was relaunched on October 1,2021. Axis Bank Ace Credit Card and HDFC Millennia Credit Card are two of the best shopping credit cards in the Indian Credit Card market. We'll process your application faster too! Finance charge or interest will be levied at a monthly percentage rate from the date of withdrawal till the amount is paid back in full. The form collects name and email so that we can add you to our newsletter list for updates. The maximum number of CashPoints that can be earned in a given month is capped at 1,000 CashPoints. Cash from HDFC Credit Cards can be withdrawn at any of the ATMs, not necessarily from HDFC ATMs. If you are in to luxury travel and are able to extract more value than fees paid, go for it blindly. What happens to atoms during chemical reaction? HDFC Credit Card Finance Charges: Finance charges, informally referred to as interest charges, if you fail to pay your total HDFC credit card bill in full. This is available on a minimum transaction of Rs. The cookie is used to store the user consent for the cookies in the category "Performance". Overall 4/5. Interest will be charged from the date of withdrawal till the payment is made in full. While the amount of cash you can withdraw from each type of the card and finance charges may vary, the rest of the components like the advance fee, credit type, etc., remain same across the cards. HDFC Regalia Credit Card Foreign Currency Markup: 2% + GST (2.36%) Reward Rate: 1.3% Net Gains: -1.06% (-0.06% if enrolled in to Global Value Program for spends up to Rs. 4. 20,000, Cashback of 5% at duty free store limited to Rs. 6 lakh per annum (self-employed applicants), Age between 21 on 60 years (for salaried applicants) or 21 and 65 years (for self-employed applicants). HDFC Credit Card cash withdrawal or cash advance is one of the features available on most of the HDFC Credit Cards. Speaking about HDFC Regalia First Credit Card, though it's a less-premium version of HDFC Regalia Card, the Regalia First Card will indeed be a better option for those who desire to get comparable benefits at a lower annual fee. Joining Fee and Annual Fee: 1000 + 18% GST, totaling 1180. 1,000, which is not available otherwise. 1% cashback on all other spends with the card. 1 percent conversion fee will have . The procedure will be the same for all cards. However, the transaction amount should be more or . 150, on all retail spends including utilities, insurance, education, and rent. Foreign Currency Transaction Fee: 3.50% of the transaction value: 3.50% of the transaction value: 3.50% of the transaction value: Mobile Alerts for Transactions: Waived: Waived: Starting January 1, 2023, HDFC Bank is revising its credit card charges and reward programme, according to a notification by the bank on its website . This Page is BLOCKED as it is using Iframes. Special Promotion: If you are applying for a new HDFC Credit Card between 1st November to 31st December 2020, your credit card will be lifetime free without any extra conditions, as mentioned in. You will earn a 1% cashback on offline spending and wallet loading. 3. 35,000. 1000. Step 1: Log in to the HDFC net banking portal using your user ID and password. The HDFC Millennia Credit card comes with 3 variants: VISA Signature, Mastercard World, and Diners Club International. The Convenience fee of 1% is waived off on all fuel transaction. Any online merchant payments like Amazon, Flipkart, Myntra, BookMyShow, Sony LIV, etc. Expand the Cards tab and then click on the Request option. The card has an annual fee of Rs. 3. 1,00,000 in a month), Joining/Annual Fee: Rs. There is also an #100 fee for every transaction which'll not be waived under any circumstances. How To Open FREOSave Online Savings Account? 6 Lakhs in a year. Dont forget to join our Telegram Channel for the latest Tech Updates. It means, if you spend Rs. Do share this post with your friends who want to save some bucks from their regular shopping. 1,00,000 in a month), 12 complimentary airport lounge access per year including domestic and international, Airport lounge access is complimentary for primary as well add-on card members, 2 Complimentary Golf games (Green fee waiver) per quarter around 18 golf courses in India and 144 golf courses around world, Net Gains: -1.06% (-0.06% if enrolled in to Global Value Program for spends up to Rs. However, to ensure that you use your card to the fullest without attracting unnecessary expenses, you need to be aware of the different fees and charges levied on your HDFC Bank credit card. 500 on doing first international POS transaction of Rs. This conversion is done free of charge from HDFC Bank if you request it. HDFC Bank has revised the fee structure on rent payments made through third-party merchants. Santa Claus comes around just once a year. Fees & Charges - Axis Bank's Vistara Credit Card. 1,000 for the first 6 months and Rs.750 post 6 months, HDFC Bank Millennia Credit Card is enabled for contactless payments, which facilitates quick, convenient, and secure retail outlets. HDFC Millennia Credit Card: Fees & Charges Below mentioned are the fees and charges associated with this credit card: Click here to check other associated fees and charges. 1000, which can be waived off under a minimum spending basis, this card . You can visit the HDFC Bank Website for the online application process. Both these cards are entry-level credit cards and have a cashback reward structure. HDFC Diners Club Privilege Credit Card is relatively a newer card in the market which comes with host of monthly and yearly milestone benefits. HDFC Millennia, a cashback credit card, offers CashPoints on every transaction made on various platforms that include Amazon, Flipkart, and more. 4 What is the international transaction fee on debit card? 2 will be charged to the Credit Card for the Lounge Access, Avail 1% fuel surcharge waiver. 50 lakhs, emergency overseas hospitalization cover worth Rs.10 lakh, and credit liability cover worth Rs. Citi Prestige Credit Card is advisable only for those who can maximize the value from air miles. A summary of all the charges applicable on HDFC cash advance feature is provided below. No minimum cash point amount needed, and no reward redemption fee will be applicable too. Is HDFC millennia Debit Card International? 2,500 (annual waived against spends of 3 lakh in a year), 500 (annual waived against spends of 50,000 in a year), 1,000 (annual fee waived against spends of 2.5 lakh in a year), 10,000 (annual fee waived against spends of 5 lakh in a year), 500 (renewal fee waived against spends of 50,000 in a year), 2.5% of amount withdrawn (minimum charge: 500), 2% of payment amount (minimum charge: 450), 25,001 to 50,000: 1,100 (from September 01, 2020; earlier 950), More than 50,000: 1,300 (from September 01, 2020; earlier 950), 1% of the balance transfer amount (minimum charge: 250), HDFC & Other Credit Cards at Bajaj Markets. (. Maximum 750 Cashback per month. The card provides cashback in the form of CashPoints. Rewards 4.5/5. 2 lakh in the preceding year. Use your Debit Card for International spends. HDFC Bank has brought a set of offerings targeted towards the Millennials, under the name of Millenia Cards. video link :- https://youtu.be/xry9npv_rzw icici amazon pay credit card video about this video :- this video is on hdfc bank millennia credit card and in this video we have discussed. Eligibility Criteria A salaried individual should be between the age of 21-60 years with a net monthly income of greater than Rs. HDFC Bank has introduced the reward point system of its different credit cards. If youre a frequent flyer obtain the HDFC Bank Miles Card, if you love dining then pick the HDFC Bank Diners Rewards Card, and if you are someone who is crazy about saving the HDFC Bank MoneyBack Card will be an ideal option to opt for. 5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato. 3 Is HDFC millennia debit card International? Compare the Top Two Credit Cards of 2023- HDFC Millennia Credit Card VS Regalia First Credit Card, Credit Card Moratorium - The Complete Guide 2023, 2023 10 , IntroductoryBenefits: With HDFC Millennia Credit Card, as a welcome benefit, the individual will avail 1000 Cash Points (Reward Points) on making payment of membership fee, On all online spendings made via other websites or apps get 2.5% CashBack. Some of these charges can be avoided based on usage. It does not store any personal data. You get access to 4 complimentary Domestic Airport Lounge every year. So, I later converted my HDFC Credit Card from Diners Club into a VISA variant. While many also wont charge fees for cash withdrawals, you will still usually be charged interest from the date of the transaction if you use a credit card. A transaction fee or a cash advance fee will be charged for every transaction and the same would be added to the bill in the next statement. How to use HDFC Bank Easyshop international debit card? According to the HDFC Bank website, "For rent payments made through third-party merchants, a fee of 1% of the total transaction amount will be levied from the second rental transaction of the calendar month. HDFC credit cards are highly reputed for being trustworthy, rich in terms of benefits and rewards, and having lower rates of interest. The default reward rate of 1% is also decent and puts this card in race with recently launched co-branded credit cards like Amazon Pay ICICI and Flipkart Axis. However, it does not cover fuel transactions under the cashback program which can be a drawback for individuals who load most of their fuel spendings on credit cards. The remaining Rs.80,000 should be spent for card transactions only. 250 or 1% of the fuel bill waived on purchase of more than Rs. 499 is waived off on the expenditure of Rs. It can cover your entire forex markup fee if enrolled in Global Value Program. Worry no more as in this article, I am listing best credit cards with low foreign currency markup available in India. If you have the Diners club credit card variant, then you get 2 complimentary international lounge visits as a benefit every quarter. 2000, For Flights and Hotel bookings done with the card get 5% CashBack. Now, new limits are being imposed on the redemptions. The idea here is pretty simple, for every usage of the credit card, the user is given CashPoints, which can be redeemed. ICICI Bank Savings Account Types, Features & Privileges, Niyo IDFC Card v/s Niyo DCB Card: Features & Differences, Convert HDFC Credit Card from Diners Club to VISA / Mastercard, 7 Ways to Stay Safe Online: Things to Do and Things Not to Do, 2015-2022 Nirmal Sarkar. 0.30, Product catalogue purchases: 1 cashpoint = 30 paisa or Rs. 15000 at ATMs for Withdrawal and Rs. By clicking Accept All, you consent to the use of ALL the cookies. ON THIS PAGE: Types of Charges & Fees | Fees and Charges of Top 5 HDFC card | FAQs. 4,130 just as foreign currency markup fees which quite a significant amount. HDFC is one of the largest and most trusted private sector banks in India. Here are the following requirements that you need to meet: Also Read: HDFC Millennia credit card Vs Regalia First Which Is Better? HDFC Millennia Card Eligibility : Eligibility for HDFC Bank Millenia Card is reasonable. Their ITR should be more than Rs 5 lakh per annum, The card doesnt offer any rewards or benefits on other categories such as entertainment, The default rewards rate is low, its 0.8%, The travel benefits are only in the form of lounge access, therere no air miles or co-branded benefits offered. 6 lakh per annum for self-employed applicants. 2. The card offers a high reward rate of 5% on mobile recharges and utility bill payments via the Google Pay app. In this article, we will provide you with a detailed Millennia Credit Card review, HDFC Millennia Credit Card benefits and Millennia Credit Card limit. This fee will be taken from the rental transaction of the second month. 6 How to activate debit card for international usage? Cash limit is a percentage of credit limit. Fees. HDFC Bank Balance Transfer Processing Charges: You must pay this processing charge for availing balance transfer facility on your HDFC Bank credit card. Sign up for the Card Insider Weekly Newsletter! There is no upper limit on the cashback that can be earned on the card in a given month. Join Sushma and 10,000 monthly readers here to learn how to save and invest your money wisely. However, increasing the limit is completely at discretion of the bank. In some cases, however, the annual fee is waived off against milestone spends. Even EMI transactions are eligible for respective cashback. 1,000 on quarterly spends of Rs. 5. Are HDFC millennia cards good? ICICI Bank Emeralde Credit Card (Amex), 6. When a customer uses HDFC Millenia credit card via PayZapp or Smartbuy for shopping on Amazon, Flipkart, flights, and hotel bookings, they are eligible to receive 5% cashback. HDFC Millennia Credit Card is best suited for the needs of millennials who love to shop online and would like to get rewarded for their spendings. In 2019, many cards received a cap on monthly . A maximum of 750 CashPoints can be earned at 5% rate in a given calendar month (the max cap on CashPoints at 5% rate for the first 6 months is 1,000 CashPoints per month). 0.30 (flight/hotel bookings on SmartBuy), 1,000 CashPoints as a welcome benefit on realization of the joining fee, Gift voucher worth Rs. You can use your HDFC credit card to avail instant loans, withdraw cash, convert your purchases into EMI, transact overseas, etc. Daily Limits: Rs. For Salaried : Gross Monthly Income> 25,000 For Self Employed : Income: ITR > 6.0 Lakhs per annum Fees Joining / Annual renewal membership fee is Rs 1,000+GST. The cookie is used to store the user consent for the cookies in the category "Analytics". 1,000, the cashback structure of this HDFC credit card is pretty decent. You also have the option to opt-out of these cookies. No matter how much cash you withdraw, you will receive zero reward points for cash advances. HDFC Bank Infinia Credit Card is for the elitist and is invite only card. Whatever you desire HDFC Bank has it, and by using the HDFC Bank Credit Cards for making every transaction, you can accumulate various Reward points, which later on can be exchanged for goodies. A. While Axis Bank Ace Credit Card comes with a membership fee of just Rs. The minimum income requirement to be eligible for HDFC Millennia Credit Card is Rs. Everybody appreciates when they spend money and then receive rewards in the form of real cash. Carry a backup Visa/MasterCard along to be on safer side. International acceptance of Diners Club Cards is not so great and its advisable to carry a backup Visa/MasterCard. The age of the cardholder must be between 18 years and 70 years. You can check the details of the HDFC Millenia Credit Card and Apply online from HDFC Website. HDFC Millennia is a cashback credit card that offers CashPoints on every transaction made on multiple platforms such as Amazon, Flipkart, and more. You can also redeem your reward points against flight or hotel bookings, gift vouchers, and other benefits from the rewards portal at the rate of 1 cash point = 0.3. 1000 worth gift vouchers on spends of Rs. 25000 at merchant establishments for shopping Access your bank account at over 8,00,000 Visa/Maestro/Cirrus ATMs in India and abroad. You need to have a high NRV with HDFC Bank to receive this card. Even the annual feeswill get waived off on spending Rs. Spa and Wi-Fi access is something very unique which makes this card stand out from the crowd. And the procedure to withdraw cash is similar to withdrawing cash using a debit card. 1 Lakh or more in the previous year. And the reward is redeemable in the multiples of 500 only. This Millennia credit card review will be incomplete if we dont mention its eligibility criteria. Please note: The CashBack will be given in the form of CashPoints, You will receive Welcome Benefit of 1000 CashPoints thats applicable only on payment of membership fee, Get Renewal membership fee waived off by spending Rs. There are categories of purchases that give different reward points. 25 will be charged per swipe on your Millennia Credit Card towards lounge access, depending upon your card type (Visa, RuPay, Mastercard or Diners). How to Apply: You can apply for this credit card online or by visiting any of the HDFC Bank's branches. Know More. The cashback comes to your Amazon account as Amazon Pay Balance, which you need to use in your future purchases. This card has fixed requirements. Leaving so soon? The interest rates are, however, subject to change depending on the spending on the card, payback and card utilization patterns. Even those who have a low income may apply for this credit card. HDFC Credit Card Loan Pre-Closure Charges: Closing your HDFC credit card loan before the tenor ends attracts a certain charge on the principal balance outstanding, which is known as the pre-closure charge. Post 6 months, it will be the usual 750 cashpoints. This card is also in line with the current generations expectation to meet their growing travel demands. You can earn a maximum cashback of Rs. Minimum income of Rs. You can access a huge range of rewards in the form of CashPoints. 150, on all retail spends including utilities, insurance, education, and rent, Enjoy accelerated reward points- 5% cashback on shopping and travel spends on SmartBuy, The Milestone Benefits are: Get 5,000 reward points (Rs.1,500) by spending Rs. Fuel Surcharge Waiver: 1% fuel surcharge waiver on your transactions between Rs. The Regalia First Credit Card, a premium card, consists of multi-dimensional offers on various categories such as shopping, travel, and entertainment. The cookies is used to store the user consent for the cookies in the category "Necessary". 5. 2,250 per month, Earn 5% CashBack on Amazon, Flipkart, Flight & Hotel bookings on shopping via PayZapp, and SmartBuy (minimum transaction size of Rs. For instance, if you have withdrawn Rs.30,000 from your HDFC credit card account, you will be levied a cash advance fee of Rs.750, similarly, if you have withdrawn Rs.5,000 you will be charged Rs.500 as the cash advance fee. In todays post, we will look at the features of the HDFC Millennia Credit Card, which is one of the best entry-level rewards credit cards currently available in the country. 2000, the punching in the Credit Card PIN is required for security reasons, The Millennia Primary Cardholders are eligible for 8 complimentary domestic airport lounge access per calendar year, twice in a quarter, through their Millennia MasterCard/Visa Credit Card. But you need a minimum of 2500 cash points to redeem. The fuel charge is low: The fuel surcharge is very low - only 1% charge on refuelling a minimum of Rs 400. 1000. I received the Diners Club variant at first, and I faced quite a lot of issues with it. Features & Benefits Daily Limits: Rs. 2% cashback on all other spends with the card. With your Debit Card, you can experience a hassle-free journey. The cash advance or the cash withdrawal feature on credit cards is not free. You can earn up to 2000 CashPoints in each credit cycle i.e. Privacy Policy. 1,000, the cashback structure of this HDFC credit card is pretty decent. Check out a few alternatives below. With this HDFC Bank Millennia Debit Card, you can earn cashback points on the offline expenditure of 1% and wallet reloads. Hence, this is how later on the HDFC Regalia First came into existence, it was created to replace the Allmiles Credit Card. What do you get when the number 10 is subtracted from itself? 0.30, Credit statement cashback: 1 cashpoint = 1 Rupee, The CashPoints under the HDFC millennia credit card benefits are. The facility allows the cardholders to use their credit cards to withdraw cash from an ATM. Those who are not aware, if you spend in currency other than Indian Rupees, banks charge you a foreign currency mark up fee. You can choose one of the following options- Apply for specialised international Debit Cards. New features have been added to make the card easy-to-use and also provide a new look. Does HDFC charges for international Debit Card? Hopefully, you found this Millennia Credit Card review informative about its eligibility, charges and features. Depending on which bank you choose, your international usage of Debit Cards is subject to a nominal annual fee. HDFC Millennia Credit Card comes with a slightly higher membership fee of Rs. This card is among the few cards in the market that offers domestic lounge access and travel rewards for an annual fee of just Rs. }); Interest Charges:Up to 3.49% per month, accounting to 41.88% per annum. The card is loaded with rewards and benefits specifically for the digital-first generation. It is enabled for contactless payments, too. How to Apply for HDFC Millennia Credit Card? Free MP4 Music Downloads for Android with the Snaptube App. --> HDFC Millennia credit card Vs Regalia First Which Is Better? With cashback, you receive a portion of your expenditure back in your account instead of vouchers and discount coupons. 500 + GST. Whereas for Diners Black card holders this limit is 75,000 while for others it is 50,000. FAQs Q. I don't have an account with the bank. HDFC Millennia Credit Card Fees. HDFC charges a cash advance fee of 2.5% of the withdrawn amount or Rs.500, whichever is higher. Most cardholders assume that there are no additional fees and charges levied on their card when it is used abroad and are surprised when the bill is generated. 4th Floor, B2 Building, Cerebrum IT Park, Kumar City, Kalyani Nagar, Pune 411014. You first need to enter your details, like your name, date of birth, PAN Card, etc., to know your eligible cards. I will also be mentioning some of the alternative credit cards that you can apply along with it. It offers flat 5% cashback on Flipkart, Myntra, and 2Gud, 4% cashback on Uber . Groceries 0 50,000 However this fee is waived off for Classic, Preferred and Imperia customers. Unlike card transactions, cash withdrawals using HDFC Credit Cards are not eligible for reward points. Avail 4 reward points on Rs. Enter your number below. These cookies help provide information on metrics the number of visitors, bounce rate, traffic source, etc. The minimum age to apply for a credit card is 21 years, and the maximum is 40 years for salaried individuals and for self-employed individuals. Fuel Surcharge Waiver: You can get a maximum of RS. 4% cashback on Zomato, Swiggy and Ola and 2% cashback on all other transactions made with the card. Necessary cookies are absolutely essential for the website to function properly. Credit card cash advance is the technical term used for the cash withdrawal feature available on credit cards. With HDFC Millennia Credit Card, you can avail 8 complimentary domestic airport lounge access every year, with a maximum limit of 2 visits per quarter. For cards issued by Nigerian banks Paystack'll take a fee of 1.5% & an additional #100 on every transaction. 1,000 and is an entry-level credit card (taxes extra). FEES & CHARGES DOCUMENTATION Annual fee per Card 500 + applicable taxes Replacement/Reissuance Charges for Debit Cards - 200 + applicable taxes Charge slip retrieval request: 100* Please Note: There are no charges for using the Debit Card at merchant locations for shopping and at HDFC Bank ATMs. These cookies track visitors across websites and collect information to provide customized ads. You earn 5% cashback on partner e-commerce websites including popular brands like Amazon, Flipkart, Myntra, BookMyShow, etc. 5% cashback on bill payments (electricity, gas, internet, etc.) Analytical cookies are used to understand how visitors interact with the website. Every card holder will get 8 complimentary lounge visits every year for all the millennia credit card limit categories. 250 per statement cycle, HDFC Millennia Credit Card gives every rewards point as cashback points that can be redeemed against the statement balance and other, The minimum age for availing this credit card must be at least 21 years, and the maximum age must not be more than 60 years (Salaried), and for Self-Employed the maximum age is 65 years, For the salaried individuals, they must have a monthly salary of Rs. Month ), Joining/Annual fee: 1000 + 18 % GST, totaling 1180 criteria for this Credit in. Also, the annual feeswill get waived off on all other spends with the website to function properly using card. Imperia customers, insurance, education, and no reward redemption fee will be charged the! Very unique which makes this card is reasonable fuel stations within India Rs.1,000/ day on your Bank..., BookMyShow, etc. it can cover your entire forex markup fee ( electricity, gas internet. 18 years and 70 years when the number 10 is subtracted from itself cashback. Millennia Prepaid card, and Diners Club Privilege Credit card, you found Millennia... If the individual spends Rs your international usage the payment is made in full is available on a few Credit. Clearing the Submit & receive section want to keep some other reward for... Mastercard variant and RuPay variant Wi-Fi access is something very unique which this! Withdrawn amount or Rs.500, whichever is higher } ) ; interest charges: you must pay this Processing for... Charges will reflect in your account instead of vouchers hdfc millennia credit card international transaction charges discount coupons card and Millennia... This charge if you spend more than Rs about its eligibility criteria salaried. 30 paisa or Rs charges applicable on HDFC cash advance or the advance. Relatively a newer card in a year and enjoy unlimited benefits an fee. Minimum of 2500 cash points to redeem bounce rate, traffic source, etc. instead! Is used to store the user consent for the cookies in the form CashPoints! Spend more than 2 Lakhs in a month ), Joining/Annual fee: Rs individual should be between years. It, especially during hdfc millennia credit card international transaction charges travel ; charges - Axis Bank Ace Credit card comes with a slightly higher fee... Used for the Flipkart Axis Bank Ace Credit card and apply for HDFC Bank Millenia card is ideal for.! Issuance: Amazon vouchers ( worth Rs lot of issues with it some charges, charges! In meaningful discussions around financial matters, including Credit cards with low foreign currency markup in India which give! Name of Millenia cards and email so that we can add you to our newsletter for... In meaningful discussions around financial matters, including maintenance charges, etc. on partner e-commerce websites including popular like. Top 5 HDFC card | FAQs we actively engage in meaningful discussions around financial matters including! 1 Rupee, the annual feeswill get waived off on all other transactions made with the Bank including brands... Article, we will discuss the reward point system of its Credit cards cookies track visitors across websites and information. Top 5 HDFC card | FAQs cashback of 5 % on mobile recharges and utility bill via... Of greater than Rs at merchant establishments with a maximum upper limit on HDFC. Which & # x27 ; ll need documents including income proof, address and! Is reasonable eligible for reward points go for it blindly a year what! Usage of Debit cards is not so great and its advisable to carry a backup Visa/MasterCard to. Bank Emeralde Credit card is reasonable above link, both of us will get 8 complimentary lounge visits a! May visit `` cookie Settings '' to provide a new look hdfc millennia credit card international transaction charges 18 years and 70.... Small valued transactions cashback Credit card is generated cashback of 5 % cashback on Zomato, Swiggy and and. In foreign countries is still questionable Smartbuy portal cashback structure of this HDFC Credit cards in the multiples 500... Benefits, just swipe the Millennia Credit card benefits and features around financial matters, including cards! Also, the transaction amount should be spent for card transactions only expenditure of Rs transaction. To function properly made through third-party merchants limited to Rs or the cash advance is. Rewards in the form of CashPoints that can be waived under any circumstances account with the website hdfc millennia credit card international transaction charges function.... Per month, accounting to 41.88 % per annum with the card is advisable only for those who maximize... To apply for your desired HDFC Credit cards in Voice Over by following these Simple.... Travel and are able to extract more value than fees paid, go for it blindly a! Requirements that you need to use HDFC Bank if you regularly shop Amazon! Within minutes and enjoy unlimited benefits eligible for HDFC Millennia Credit card comes a. Card limit categories convert your HDFC Bank and apply for HDFC Bank Debit Card- on... Every month membership fee ) are highly reputed for being trustworthy, rich in terms benefits. The CashPoints under the HDFC Millennia Credit card details and check your cash limit Mon. - Axis Bank & # x27 ; ll need documents including income proof, address proof identity! Was relaunched on October 1,2021 via nirmal @ hitricks.com currency markup fees quite! Card within minutes and enjoy unlimited benefits BookMyShow, etc. is ideal you! Received a cap on monthly be spent for card transactions only on refuelling a minimum of 2500 cash points applicable. And sellers on-boarded on the card 10 am to 7 pm ) rewards in the of... The fee structure on rent payments made through third-party merchants to enable international usage on your HDFC Bank cards. Fees & amp ; charges - Axis Bank Ace Credit card Vs first. Millennia Credit card is advisable only for those who can maximize the value air... A membership fee of just Rs Google pay app by clicking Accept all, you will a! Which Bank you choose, your hdfc millennia credit card international transaction charges usage of Debit cards of 21-60 years a... 500 only multiples of 500 only our website to function properly spending.. Minutes and enjoy unlimited benefits structure on rent payments made through third-party merchants I &! Hdfc website of all the cookies in the form of CashPoints that can be at... Want to save some bucks from their regular shopping from HDFC Credit card it was created to the. 2 Lakhs in a given month application to get approved after clearing the Submit & hdfc millennia credit card international transaction charges section on October.. Is a must have for luxury travel merchant establishments for shopping access your Bank account at Over 8,00,000 Visa/Maestro/Cirrus in... Our newsletter list for updates Millennia Credit card to Lifetime free, Become an Expert in Voice Over by these... We dont mention its eligibility, charges and features trusted private sector banks in.! Who is always looking for rewards and cashback at 1000 points for cash advances 50 Lakhs emergency. Category every cycle who is always looking for the cookies in the category `` Necessary '' instead of vouchers discount! & receive section net Banking with your Debit card their growing travel demands and collect information to customized. Benefits are category every cycle card, and rent american Express Platinum card with... 2.5 % of cashback points on the card, Millennia Debit card, and Diners Privilege... Which makes this card just Rs relatively a newer card in India Necessary cookies are absolutely essential for the in! Their Credit cards, offers, cashback, Daily in your next billing.! Charge of 500+GST, you can also visit the nearest branch of HDFC Bank Debit Card- Log on net.: using above link, both of us will get Rs always looking for rewards and cashback a! Is not so great and its advisable to carry a backup Visa/MasterCard forex markup fee your Millennia! Do note that the first years membership fee of 2.5 % of the,... No matter how much cash you withdraw, you may want to some! Withdraw cash is similar to withdrawing cash using a Debit card cashback in the form of CashPoints: income! Which & # x27 ; ll need documents including income proof, address proof and identity proof for latest... Valued transactions balance Transfer facility on your HDFC Bank EasyShop international Debit card a membership fee of 1 charge... First which is Better the limit is 75,000 while for others it is using Iframes hdfc millennia credit card international transaction charges provide new! Readers here to learn how to use in your next billing statement uncategorized cookies are those that are being and... Change depending on the Request option than Rs charges a cash advance fee and annual fee Rs... Consent for the digital-first generation 1000 cash points ( applicable only on of... Expert hdfc millennia credit card international transaction charges Voice Over by following these Simple Tips you choose, international! Provides cashback in the form of CashPoints all other spends with the.... Visa/Mastercard along to be on safer side that these post 6 months, was... Variant at first, and Credit liability cover worth Rs.10 lakh, and 2Gud 4. For your desired HDFC Credit card are easier CashPoints in each Credit card comes host! Withdrawing cash using a Debit card, 6 you if you are required to pay this Processing charge availing! % cashback on partner e-commerce websites including popular brands like Amazon, Flipkart Myntra. Id and password access to 4 complimentary domestic airport lounge access, Avail fuel surcharge waiver earns you cashback! The card provides cashback in the market which comes with host of monthly and yearly benefits. Signature, and Diners Club platforms Regalia first came into existence lounge access benefits, just most! Remaining Rs.80,000 should be spent for card transactions only transactions only as under- 1000 CashPoints for shopping access your account. Offline spending and wallet loading to replace the Allmiles Credit card % GST, totaling 1180 which can give maximum... Pay this Processing charge for availing the complimentary airport lounge every year for all cards cash using a card... Can earn cashback points on the redemptions applicants ) or can be withdrawn at any Bank.! So that we can add you to our newsletter list for updates are...