HDFC Millennia Credit Card Detailed Review After 1 Year | Pros and Cons

HDFC Millennia Credit Card and discover a treasure trove of rewards, benefits, and privileges designed to elevate your lifestyle. In this comprehensive review, we'll guide you through the card's features, explore its cashback opportunities, and uncover hidden perks that might surprise you.
#HDFCMillenniaCreditCard #CreditCardReview #CashbackCreditCards #TravelCreditCards #RewardCreditCards #FinancialTips #InformedDecisions
Card apply link-
HDFC Millennia credit card: bit.ly/3pmmwsM
Topic Covered:
HDFC millennia credit card
HDFC millennia credit card limit increase
HDFC millennia credit card reward point redeem
HDFC millennia credit card lifetime free
HDFC millennia credit card benefits
HDFC millennia credit card online apply
HDFC millennia credit card lounge access
HDFC credit card
HDFC Best credit card

[@bankexpert]

Card apply link- HDFC Millennia credit card: bit.ly/3pmmwsM

[@chiragPatel22c]

how can we check if milennia card i have is lifetime free or not? I just recently got a new card saying that it is lifetime free, just want to cross check.

[@bankexpert]

Call customer care, and they will let you know.

[@AmolAghav]

Thank you for the covering all the details around this card. Offtopic, I wanted to ask what monitor is it which is placed behind you in this video? Can you please mention the buying link or brand & model details. Thanks.

[@bankexpert]

I'm using LG QHD 2K - 27Qn600

[@AmolAghav]

@@bankexpert Thank you! How is the text clarity and sharpness on this monitor? I'm considering it for coding and article reading purposes. Please help me with this query.

[@sandipexperiment604]

Agar mein is credit card se iPhone14-14plus purchase karo to kya 4000 ka discount milega ya nahi

[@bankexpert]

Han

[@Sabeena8017]

1) Existing card reward points can be transferred? 2) is there any cap for points transfer?

[@bankexpert]

1) No 2) With effect from 1st February 2023, Reward points redemption for CashBack redemption are capped per calendar month to 3,000 rewards points.

[@vijayomer]

I came to see YT videos of the benefits of Millenia Cr Cd. I have got a card upgradation offer against my existing moneyback plus credit card which is an LTF Card. Is it worth to upgrade on Millenia against an LTF card as this card has a annual fee of 1000/+GST. And will I get Amazon GV if incase of upgradtion. Please reply if you know. Thanks

[@RajShah-ls2st]

Same question plus how to avoid annual charges?

[@bankexpert]

Hello, if you get Millennia LTF or spend more money on a credit card, then Millennia gives you additional perks. then the upgrade is worth it. Otherwise, moneyback is also a good card. I have no idea about Amazon GV; do they offer card upgrades or not? I suggest that, before upgrading the Millennium Card, you call customer care and clear up all your doubts.

[@umeshmotwani7213]

What is Amazon GV?

[@mohanb4552]

May be Amazon gift voucher

[@sanjaymarkam3149]

hdfc me cashback points ke rup me milte hai. jabki icici amazon aur axis flipkart mai direct rupee me cashback milta hai. so wo card acche hai

[@bankexpert]

is card me milne wala reward point ko credit card statement ke against me redeem kr sakte hai.

[@kaushikbiswas6163]

Hello sir, is the 5% discount is also available in Amazon and Flipkart GROCERY??

[@bankexpert]

yes

[@imgurkirat]

i have this card... and now i also got Mariyot Bonyout HDFC credit card and now I have 3 hdfc credit cards....money back credti card, millenia credit card and mariyot Bonyout credit csrd... shoud i close one credti card? as my money back credit card is main card and two others are floaters card... i can cancel these two cards.. not first one... if i get Millliea credit card lifetime free offer.. should I take it or cancel it? I applied for 3rd premium card just because of international lounge access which the other two cards do not provide... should I take all three cards or cancel one of them?

[@bankexpert]

It depends on what you need. If you get millennia lifetime time, then take it.

[@imgurkirat]

@@bankexpert yes… I just consult with customer support… it’s life time free😄

[@ankitraj9286]

I have 3 questions 1) If i spend 100000 in a quarter and i redeem the gift voucher, will i be eligible for the lounge access? 2) If i pay my term insurance, health insurance or life insurance will i get cash back? 3) Is there rupay version of this card available? If yes can i switch to rupay version as i already have Millennia credit card?

[@bankexpert]

1. Yes, you will get a voucher & lounge benefits both. 2. You will get 1% cashback. 3. The Millennium card is not available in the Rupay variant.

[@DheerajKumar-bw4uv]

Do we get 5% cashback if we purchase any product on amazon or flipkart in emi?

[@bankexpert]

No cashback on EMI

[@Azzzu123]

1% for EMI purchase.

[@akshayghule7585]

Which one better..hdfc neu plus or hdfc millennia???

[@bankexpert]

Both cards are good; it depends on where/category you spend more.

[@trendinguniverse6113]

Hi sir what if I have brought 60k laptop by this card then can I get 5% cashback that is around 4000 or as per guidelines 1000 cashback please explain

[@bankexpert]

You can only get Rs 1,000 in cashback per month, not Rs 4,000. because banks restrict the cashback to a maximum of 1000 rupees.

[@sunilreddy84]

Utility and Insurance payments get 5% cashback??

[@bankexpert]

1% cashback

[@surajitrana8048]

I have millennia credit card from last 2year. But I don't know i have cashback facility or not. Kindly guide me how to cheak that.

[@bankexpert]

Call customer care; they will assist you.

[@priyankamallick8751]

In features of this card, it is also mentioned that there'll be 1% cashback on wallet transactions. Could you please explain what all comes under wallet transactions? Thanks in advance

[@bankexpert]

Like Amazon pay, paytm wallet, uber wallet etc

[@AninditaDam2006]

Are we getting any cashback if i shop directly from patner website coz when i called customer care they said i will get cashback if i shop only from smartbuy app only. Please clarify. I have the same card

[@bankexpert]

You get Rewards points as cashback on the partner website.

[@AninditaDam2006]

@@bankexpert I mean to ask we only get cashback through smartbuy

[@ashimsarkar8905]

Cashback milne ke liye pehle kya smart buy se gift voucher kharidna parta hai us site ka? Na directly us platform me mil jata hai card direct use kar ne pe.

[@bankexpert]

cashback as a reward paint melega usko bill ke against me use kr sakte hai.

[@tamchiyabish6580]

Do we get discount of 3k to 4k discount if we purchase iphone on Amazon or Flipkart?

[@bankexpert]

Yes, if you see instant/flat discounts on HDFC cards.

[@ashiskumardas9206]

90 days me card use karna hoga or bina use ke Voucher milega Plz tell?

[@bankexpert]

first 30 days me he card ko use krna hota hai. chahe wo kisi bank ka credit card ho

[@pirajibhadarge9171]

Bhai sabse acha credit card konsa rahega lene ke liy q ki maine abhi tak koi credit card use nahi Kiya lekin abhi lena h life time koi charge nahi lagne vala suggestion dijiy ..hdfc milina ya sbi cash card reply

[@bankexpert]

SBI cashback lifetime free nhi hai aur HDFC millennia waise toh lifetime free nhi hai pr offers me yeh lifetime free mil jata hai. aap onecard ko dekh sakte ho

[@nareshravim]

Can i swipe this card in dubai and Spain? What are the forex charges?

[@bankexpert]

You can; it will charge 3.5% + taxes.

[@ranjithn1177]

I get this credit card with 0 joining fee/Renewal fees so in this case Annual fees is 0 or not?

[@bankexpert]

Yes, but call customer care; they will let you know.

[@piyushkumar-me1nb]

Will i get 7000 cashback as mentioned on lenovo website as 10 percentage or only 1000 is limit?

[@bankexpert]

You can see the terms and conditions.

[@piyushkumar-me1nb]

@@bankexpert and if i pay more than my bill will be utilisation becomes negative or will affect credit score?

[@mridulpaul125]

If I spend more than 20k in Flipkart or Amazon with hdfc Millennia credit card then as per terms and conditions 5% cashback upto 1000 given and excess spend amount count in other transaction 1% cashback or no any cashback given. Please clarify

[@bankexpert]

Right, but don't choose the EMI option when you spend money on Flipkart or Amazon. You get only Rs 1000 cashback per month from Amazon or Flipkart. If you spend 1 lac online on Flipkart or Amazon, you get only 1000 cashback. When you exceed Rs1,000 in cashback, you don't get any cashback.

[@mridulpaul125]

@@bankexpert you mean 1000 as per 5% and 1000 as per 1% maximum total 2000

[@ArvindKumar-ki4sc]

amazon pay se is card dwara mobile recharge ya bill pay karne par kitna cash back milega. amazon pay me 2 percent milta hai. millenia me kam milega ya jyada

[@bankexpert]

5% denga millennia

[@apbediya9279]

Mera millennia credit card expired ho gaya hai. Or ab mai credit card use nhi karna chahta hu to Kya ye band ho gaya hai ya customer care me bat karna hoga pls reply

[@bankexpert]

Customer care se baat krke card ko close kar sakte hai

[@YO_POGT]

Does Mobile recharge on amazon get 5% cashback?

[@bankexpert]

yes

[@phanikumargaru1]

In amazon utility bill payments how much cashback will come. 5% or 1%.

[@bankexpert]

5%

[@hariramvishnoi6949]

मैं एक सैलेरी पर्सन हु,ऑफलाइन शॉपिंग के लिए मेरे लिए HDFC का कोनसा कार्ड बेस्ट रहेगा,प्लीज बताना।।

[@bankexpert]

online spend ke liye koi acha credit card nhi hai hdfc bank. mostly rewards online spends pr he milta hai.

[@hariramvishnoi6949]

@@bankexpert सर,ऑफलाइन शॉपिंग हेतु एक सैलेरी पर्सन के लिए कोनसा क्रेडिट कार्ड बेस्ट रहेगा।।

[@amitjaiswal26]

Can we use this card for upi payments

[@bankexpert]

No

[@PritamChand-jw3qx]

saare card life time free millrhe hai kya card bane se phale customer care se baat kar ke life time freee karwa skate hai card ko ???\

[@bankexpert]

Nahi card milne ke baad

[@pbjain290]

Amazon pay gift card pe kitna cashback milega Amazon se bye kar ne par

[@bankexpert]

Iske liye aap customer care se baat kr sakte hai

[@abhishekkumar-sb7xt]

Humare father ki age 50y hai and income 9-10lpa hai cibil generate ni hua kabhi loan ni lia card apply kia hu approve ho jaega?? Because apne 21-40 age btaya hai isliye doubt aya

[@bankexpert]

Mushkil hai kyunke bank ke website pe 40 year max likha hai.

[@abhishekkumar-sb7xt]

@@bankexpert Bhai apply kia tha to vkyc failed hogyi thi uske baad offline aya tha person then wo complete krke gaya to uske baad ghar pe aur office pe ek person aya tha bank se pics leke gya?? Itna process to hogya hai koi tracking id ni h application track id jo me dekhlu Kya approve ho jayega ya ni??

[@abhishekkumar-sb7xt]

@@bankexpert hii??

[@abhishekagrawal6582]

Mil jata hai meri mom ki age 59 hai unka bhi abhi 2 month pahle ayya hai HDFC ka card

[@abhishekkumar-sb7xt]

@@abhishekagrawal6582 yaar unka cibil bana hoga papa wala decline hogya reason ni pata hai shyd cibil ki wajah se unka cibil hi nai h

[@siddeshvsm4329]

What is the min amount trasaction to get 5% off ?

[@bankexpert]

I'm not sure, but I believe the minimum amount is 500. You can call customer care, and they will let you know.

[@rameshbasantani878]

Sir kya tata neu card me kya offer milta ha 10% off jab Amazon or Flipkart me offer aye HDFC 10% off ka reply kare sir

[@bankexpert]

Amazon flipkart pe bhi discount milega Tata neo card pe

[@rahulchikankar3c949]

Reward point reddem against statement use karte waqt 100 plus gst lagega kya

[@bankexpert]

statement ke against me redeem krne pe koi charges nahi hai.

[@piyushkumar-me1nb]

Since it is co branded credit card applicable for discount on alll ecommerce website?

[@bankexpert]

It is not a co-branded credit card; this card offers some discounts or cashback on a few websites.

[@piyushkumar-me1nb]

@@bankexpert ok but hdfc swiggy credit card is co branded correct?

[@akshayghule7585]

Iss card se upi payment kr skte he?

[@bankexpert]

Nahi

[@Kamjoshi]

Kya es card s double dubbing kr skte h ?

[@bankexpert]

Matlab?

[@rahuldevda]

Muze Money Back se Millennia me Upgrade Karvana he Offar hi nahi Aa raha kya karu...?

[@bankexpert]

ek baar customer care se baat krke dekye

[@harshnay]

Do we get reward points when we pay our electricity bills using it ?? If yes then is there a caping on it too ??

[@bankexpert]

You get 1% cashback, which is capped at 1000 rupees per month.

[@harshnay]

@@bankexpert Sir then any other card you will like to recommend with no capping on reward points to pay electricity bill ??

[@user-ommbro]

Sir what if we pay our utility bills using amazon pay and milennia CC fir kitna % cashback milega

[@priyanshmehroliya2010]

Millenia or TATA NEU credit card..?

[@bankexpert]

It depends on your spends.

[@prakashmondal2768]

How to redeem point using pay bill?

[@bankexpert]

I made the video; check it out.

[@amitc6486]

Hdfc Tata neu infinity card par bhi discounts milta hai kya similar to millenia?

[@bankexpert]

flat discount dono he cards pe milega agar kahi offer hua toh

[@aniruddhabhattacharyya5830]

Millenia card through UPI hoga ..?? Please reply me ...

[@harneetsingh8472]

Brother mere paas hdfc cashback card hai to kya mujeh millenium card ko lene k liye cashback card ko band karwana padega kya?

[@bankexpert]

millennia thoda jada benefit deta hai cashback card ke comparison me.

[@RaghuramKamma]

I think we will get 1 percent cashback for wallet reload txns with this card.

[@bankexpert]

wallet reload pe cashback nahi hai

[@AR-82]

​@@bankexpertye Kab band hua ? HDFC ki website par mentioned hai 1% cashback on wallets.

[@dharmendrachoudhary07]

hdfc website pr toh mention hai "1% cashback on all other spends (except Fuel) including EMI & Wallet transactions @@bankexpert

[@cenacr007]

bro do we get cashback or reward points, it clearly says we'll get 5% cashback on Amazon but I received reward points, what should I do

[@bankexpert]

You get 5% cashback (as a reward point) to redeem against your credit card bill.

[@yogipanwar7809]

5% ke alawa 10% discount milta hai kya(5+10=15) .....SBI cashback per only 5% milta hai ...10% nhi

[@bankexpert]

han total 15% discount milega (10% falt discount aur 5% ka reward point milega). Agar transaction EMI me hote hai toh 5% cashback nahi milega.

[@MonikaHemasri-gh1qg]

Saving account nahi hone sey rewards redeem nahi kar sakta hey kiya ?

[@bankexpert]

han

[@aniruddhabhattacharyya5830]

HDFC Millennia card through UPI hoga ..?? Jo torofse TATA NUE card por hota hay ... please reply me....

[@bankexpert]

Agar apko card rupay network pe milega toh upi payment kr sakte ho.

[@Buddh_Astro]

Ye card visa platinum se accha h ya nhi?

[@bankexpert]

I have no idea about that.

[@ASHISHVERMA-nq9hp]

Kal mene 1.5k spend kiya Zomato and swiggy pr but abhi tak reward points nhi dikha rha account me

[@bankexpert]

Month end me milega jb card ka bill generate hoga.

[@panditgagansharma2959]

Merko bank mai bulakar moneyback credit card offer kiya hai hdfc walo ne or bola hai life time free hai sir mai 2-3 baar pouch toh bole 100% life time free hai chinta mat kro sir or mere card 3 - 4 din mai aa jayga active karne se phele kese confirm karu ki life time free hai mera card

[@bankexpert]

Customer care ko call krke confirm kr sakte hai

[@panditgagansharma2959]

@@bankexpert customer care bol rha hai ki charges hai per bank Wale bol rhe hai ki life time free hai

[@RaviKumar-rt4mc]

Bhai agar 50000 ka mobile liye toh 5 percent 2500 rupees bane cash back ke aur ap kah rhe ho 1000 limit hai toh baki pase kha se milege

[@bankexpert]

Bake nahi milega

[@pujitsomaiya333]

I received LFT Pre approved this credit card!

[@bankexpert]

Good

[@sayandey6136]

Account kitne purana tha? Or balance kitna maintain krte the?

[@karanjiya1750]

Mobile recharge karne par bhi benifit milega kya

[@bankexpert]

Mil sakte hai amazon ka use krke agar recharge karte ho toh. pr mai jada sure nahi hu. aap customer care se baat kr sakte hai iske baare me.

[@burningdesire2520]

5% cashback but maximum 1000 rs. 😂😂 Axis bank Flipkart credit card gives u till 4000-5000 cashback easily on any type of shopping through 5% cashback policy. 🔥🔥

[@bankexpert]

Flipkart Axis and Amazon ICICI are co-branded credit cards. That's why they get 5% unlimited cashback.

[@rahulchikankar3c949]

Lic payment par milega kya

[@bankexpert]

?

[@Ajaypaul712]

Alag alag cards suggest kar raha hai hdfc with your millennia card link.

[@bankexpert]

aap waha se millennia select kr lo. kyunke apke profile ko dekh ke kuch cards recommend karta hai bank.

[@Ragnar535]

Vkyc hogyi abb kitne time m card ka mail ayega?

[@bankexpert]

card approve hone ke baad 1 week ke under card deliver ho jayega.

[@viveksoni112]

Insurance payment credit Card name bataye please 🙏

[@bankexpert]

is card se bhi insurance pay kar sakte hai

[@divyajain310]

Utility bills pe kya reward hai?

[@bankexpert]

agar amazon se utility bill pay karoge toh 5% cashback mil sakta hai

[@priyankadhamija2186]

I have spent 1 lakh per quarter. How can i get my lounge access voucher?

[@bankexpert]

On meeting the spends criteria, you’ll receive a SMS with link for Millennia Milestone page >> Select lounge access voucher

[@vermasandeep2096]

Is card ko kya koi third party bhi login karke apply kar sakta hai

[@bankexpert]

Nahi lekin agar aap apne details share karte ho toh koi bhi apply kr sakta hai.

[@vijay101986]

1% On All Dcc Transaction 38 on flight booking charges not explained

[@bankexpert]

1% cashback on all other spends (except Fuel) including EMI & Wallet transactions

[@pbjain290]

Cashback kitna din me dekhe ga

[@bankexpert]

Bill generate hone pe mil jata hai

[@prakashghosh985]

Cibil kitna chaiye?? Mera 775 hain

[@bankexpert]

Apko cibil sahi hai

[@BURNOUT_6]

Sir iski limit kya hoti hai?

[@bankexpert]

Yeh apke income & cibil score pe depend krta hai.

[@raahul3855]

Bro 756 score hai, lekin koi job nhi hai, ek video bnado how to apply for max chance to get approved

[@bankexpert]

Apka cibil score acha hai. apke pass pehle se koi dusra card hai?

[@raahul3855]

@@bankexpert nahi sir, isiliye me puch rha tha agr aap ek way of of applying ki video bnade jisse aprovel 100% chances ho ske

[@ndspkr1]

Aap HDFC se savings account khole aour jo debit milege usse emi kuch purchase kijiye aapko credit card pre approved mil jayega muje Mila same isi tarah se

[@rasulrasul3833]

Paytm wallet reload per bi mil raha hai cb ❤❤❤❤🎉

[@bankexpert]

yes

[@rajatgupta8039]

Mera lifetime free hai millennia credit card

[@bankexpert]

Good

[@sagarbhoir5266]

How? I am getting msg everyday from hdfc for lifetime free. Are their any hidden conditions

[@rahul_1770]

Nahi bhai ye sab mil k pagal banate hai, 1lac spend karoge 1 year mai tu free hoga

[@Ranjitojha90]

Hdfc business moneyback credit card mila hai 1500 ka voucher kaise milega . please help😊

[@bankexpert]

90 days baad apko mil jayega.

[@Ranjitojha90]

@@bankexpert koi transaction k upor a cashback deta hai kiya

[@raqibazharivlogs2107]

Mujhko Bhi mila Hai card lekin mujhko agent ne link bheja Tha joki mere me Pre Approved Offer Tha to milega

[@sriyash1241]

Limit kitni milti hai?

[@bankexpert]

ye depend krta hai apke income aur cibil score pe

[@K.P26]

Life time free matalab???

[@bankexpert]

Koi charge nahi lagega.

[@nipunjain7515]

Is card ke airport lounges decrease krke iski value thodi kam lagi mujhe

[@bankexpert]

Right

[@jatinpamnani5481]

Spending 1 lakh to get lounge access in a quarter is not worth

[@geetanshukalra]

Quarterly 1lakh+ spend hogya h cashback kb milega?

[@bankexpert]

I think next month me mil jayega

[@soumsgaming238]

Salary kitna chaiye??

[@bankexpert]

Income: Gross Monthly Income> ₹35,000. Bank website ke according lekin agar apke income kam bhi hai lekin apka cibil score aur previous loan history ache hai fir bhi yeh card mil sakta hai.

[@soumsgaming238]

@@bankexpert Mera cibil 786 hain

[@Saudahmadkhan]

Bhai user experience sunna tha mujhe, Jo baatein site pe likhi wo toh maine khud bhi padh li h

[@bankexpert]

waise toh koi issue nahi hai. mujhe hdfc ke service achi lage

[@Saudahmadkhan]

@@bankexpert I mean Jo aapne bataya ki 5% cashback from flipkart. Toh ye btao ki direct flipkart se shopping krne pe 5% cashpoints aayenge? Ya smartbuy portal se karna hai?

[@प्रकाश_रावत]

Wallet pe 1 percentage milta hai

[@bankexpert]

Nahi

[@yz8449]

Mera lifetime free kaise hoga....

[@bankexpert]

Bank se baat krye

[@yz8449]

@@bankexpert baat Kiya customer care se bol rhe lifetime free nhi hoga.... 2 month me 2.5 lakh kharch bhi kiya..

[@VIPMakhana]

HDfc PREMIUM SAVING ACCOUNT REVIEW KIJIYE

[@bankexpert]

ok

[@ashishdubey8655]

One of the best card

[@bankexpert]

Right

[@Goludada698]

40k k product par Max discount 1000 sbi cashback credit card 2000 deta hai

[@bankexpert]

yeh depend krta hai offers ke upar

[@surajastro]

My Card getting reject again and again.

[@bankexpert]

apko reason pata chala?

[@surajastro]

Same reason again and again. Even though my score is good and payments on time. We understand that this may be disappointing news and would like to assure you that this decision was taken after carefully reviewing your application in accordance with our policies, procedures and Credit Bureau history. However, in this instance, we are unable to approve your application.

[@nammi895]

​@@surajastro bc paisa kamao, apne aap aayega, annual income kitni hai teri. Koi job hai ya nhi 😂 Mene December me account khulwaya tha hdfc me, aaj March me credit card ka offer aa gaya

[@Manav463]

Limits kitni hoti hai

[@bankexpert]

yeh bank decide krta hai apke income aur cibil score ko dekh kar.

[@rajninegi5683]

Mne aaj apply kia. Lifetime free ka offer.

[@akhilakki655]

How did ypu got life time free??

[@taushifahmed3116]

Millenia is best

[@Mahakalkiladli27]

Costly hai

[@bankexpert]

kya?

[@sohit5325]

1st 🥇 ❤

[@shiva6246]

Worst card..plz dont apply..no lounge access.if u want u need to spend 1.5lakhs in a quarter

[@bankexpert]

This card is not for lounge; it offers other benefits as well.

[@RajShah-ls2st]

Customer care number???

[@bankexpert]

Google pe search kr legeye