Whats the best way to use HDFC MILLENNIA CC

132°
Deal Newbie
leo999

I recently got HDFC MILLENNIA CC as LTF.

Please help me know where to use it for maximum benefit.

Disclaimer
We are not SEBI/IRDA registered. The information provided herein is for education purposes only. We will not be responsible for any of your profit/loss with this channel's suggestions. Consult your financial advisor before making any decisions.
Top Comments
Deal Subedar Deal Subedar
Link Copied

you can find the details at their website itself, 5% upto 1000 at Amazon/FK etc and 2% CB (1% CB and 1k voucher) CB for 1L spends on all other spends (check the exclusions) in a quarter, main point -  don't manufacture your spends just to hit these milestones😃

  • 5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato
  • 1% cashback on all other spends (except Fuel, Wallet, EMI, Govt transactions)
  • ₹1000 worth gift vouchers on spends of ₹1,00,000 and above in each calendar quarter
  • Upto 20% discount on partner restaurants via Swiggy Dineout
  • Effective 1st September, 2024, Wallet loading, Easy EMI transactions and Education payments made through third-party apps will NOT earn Reward Points. However, education payments made directly through college/schools

https://www.hdfcbank.com/personal/pay/cards/mil...

also you have cashback redemption fees now..

Deal Lieutenant Deal Lieutenant
Link Copied

Simple just use it on amazon pay voucher:) and pay electricity bills or some other bills:)  for 5% discount

thats the best use of this card:)

Deal Lieutenant Deal Lieutenant
Link Copied
@leo999 Yes thats how it works as Millennia is kinda like cashback card with respect to this usage with amazon (and few other partner brands)

so ya you will get 5% cashback credited to your statement and probably adjusted with your next statement cycle (not the current one)

btw i dont hold millennia CC so i can't confirm myself, but this is the logic behind so it should be it (some one correct me if I am wrong)
Deal Subedar Deal Subedar
Link Copied
@DEEPANGEORGE not that way like Axis ACE or FK which gets CB adjusted against statement spends. you will have CB accumulated and unfortunately from Aug1,2024 you have to pay 50+GST for redemption and CB is valid for 2years so better to encash once you have accumulated good amount and have some 2-3 months remaining in validity 

https://www.hdfcbank.com/content/bbp/repositori...
10 Comments  |  
5 Dimers
  • Sort By
Deal Subedar Deal Subedar
Link Copied

you can find the details at their website itself, 5% upto 1000 at Amazon/FK etc and 2% CB (1% CB and 1k voucher) CB for 1L spends on all other spends (check the exclusions) in a quarter, main point -  don't manufacture your spends just to hit these milestones😃

  • 5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato
  • 1% cashback on all other spends (except Fuel, Wallet, EMI, Govt transactions)
  • ₹1000 worth gift vouchers on spends of ₹1,00,000 and above in each calendar quarter
  • Upto 20% discount on partner restaurants via Swiggy Dineout
  • Effective 1st September, 2024, Wallet loading, Easy EMI transactions and Education payments made through third-party apps will NOT earn Reward Points. However, education payments made directly through college/schools

https://www.hdfcbank.com/personal/pay/cards/mil...

also you have cashback redemption fees now..

Deal Cadet Deal Cadet
Link Copied

What is the maximum cap on cashback for month??

View 1 more reply
Deal Lieutenant Deal Lieutenant
Link Copied

Simple just use it on amazon pay voucher:) and pay electricity bills or some other bills:)  for 5% discount

thats the best use of this card:)

Deal Newbie Deal Newbie
Link Copied

Thanks for replying. Does the cashback reflect in the statement and adjusted against the bill how it works

View 5 more replies
replyuser
Click here to reply
Reply