ACE gives you more than the value for your money. Karnataka Bangalore TFS Domestic and International, Maharashtra Mumbai MALS Domestic. Credit cards for beginners are always cheaper than the more expensive premium credit cards and offer basic services. Other than Cashback SBI Credit Card and HDFC Millennia, no other cashback credit card charges an annual fee of more than Rs. You can redeem your reward points on Smartbuy or Netbanking. This card is especially for millennial customers who have a high standard of living. Credit cards are offered by more or less every bank in India, but they lack the features of the credit cards offered by prominent banks. And during the festival season one can choose the cashback offer benefits for festival shopping. INR 500 + GST. While designing a credit card a particular feature is kept in mind as the nucleus of it and rest of the features are there to compliment it. I understand that in order to deliver the product to me, I hereby authorize Wishfin, to obtain my Consumer Credit Information from TUCL. However this fee is waived off for Classic, Preferred and . Maximum waiver of 250 per statement cycle). You can get a discount on dining into more than 3000 restaurants all over India covering more than 20 cities. Converting reward points to cash which can be used to make further purchases or used to pay the credit card dues. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. Great to see you taking the 1st step. Read our SBI SimplySAVE Credit Card Review for more. You will know the credit limit at the time of approval. Lucky You !!! Under this, a credit cardholder will not be liable for any fraudulent transaction that takes place through his card in case of loss or theft of card if he informs the bank about the same within 24 hours of such incident. Age between 18 to 70 and proof of income. Now you can see the charges of this fascinating credit card. Note: The ten online merchants wherein you can get 5% back are Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato. 2 reward points on spending INR 100 on all retail spends (fuel excluded). For Salaried Indian national: Age between 21 years and 60 years, and a net monthly income of INR 70,000. What is the charge for a cash advance on the HDFC Millennia Credit Card? Annual Fees / Renewal Fees 0 499. One will have to inform the bank in case they lose their credit card within 24 hours by calling their call center and there will be no liability at the customers end. {{ showMobileIntroSection Fuel Surcharge waive off to 1%, but this subject to a maximum amount of 250. You can use the Millennia Card and enjoy great cashback on shopping from Amazon and Flipkart. With this card, I can also earn cashback on EMI and wallet reloads, which is a very rare benefit on an entry-level credit card. Features of this card are not at all complicated and there is no annual fee; it is designed to do shopping from departmental stores and supermarkets. 3. 2,500 within 30 days of card issuance: Amazon vouchers (worth Rs. Issuing Banks: Almost all banks issue credit cards and are keen to expand this service. For offline transactions the only thing required is that the person accepting the payment should have a swiping machine. Home; Reviews; Offers; Categories; About; Contact; Search CardInfo. Click here to apply. The minimum CashPoints balance required for redemption against the statement balance is 500 CashPoints. The minimum CashPoints balance required for redemption against the statement balance is 500 CashPoints. 2,500. This premium credit card is ideal for people who travel by air, do online shopping (preferably via foreign websites given foreign currency markup benefits) and like to dine outside. Your email address will not be published. On spends of Rs 1 Lakh in a membership year, Spends on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber & Zomato. This will again depend on the use of credit cards, if they want the card to pay their utility bills, travel, shop, etc. Users can select or change the services at will. (Available on Minimum Transaction- 400). Read my first-hand experience with HDFC Millennia Credit Card to understand its all-round features across multiple categories. However, though cards like SBI SimplyCLICK and RBL Bank Shoprite are entry-level cards that come with co-branded benefits with multiple brands, the actual value back on these cards is much lower in comparison. Get an HDFC Bank Credit Card in 3 easy steps. There will be no membership fee if the cardholder has spent INR 1Lakh in the previous year. HDFC Bank launched the Millennia range of credit and debit cards in 2019. Outstanding balance can be converted to EMIs for a tenure of 6 to 24 months. kaju said: If I do Rent payment using Millennia Card will it be counted for annual fee waiver? SBI launched SimplySAVE credit card in March, 2018, to facilitate the needs of its young customers who like to dine out, love shopping and are frequent visitors to malls and movie theaters. The SBI Card PRIME has three variants and all the three provide certain facilities. The Company is my lawfully appointed agent and he / it has agreed to be my agent for the purposes, including, without limitation, to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the Agreement entered into between the Company and TUCL, and the Company has granted its consent for being appointed for the aforesaid purpose. These points can be used to pay outstanding balance on the credit card or you can also use them to purchase things listed on the SBI website. HDFC Millennia Card earns you-. 10X reward point on offline spends, that means INR 2.5 on spending INR 100. You will get to know your credit limit only after applying for the credit card. The cash advance fee on the HDFC Millennia Credit Card is 2.5% of Rs. There are limits in cashback offered on shopping after the first six months. Thus, restriction on earning rewards, irrespective of the spent value. You need to have 500 CashPoints to redeem against a bill. Complimentary Club Vistara Silver membership: Cardholders can transfer the outstanding balance of other credit cards to SBI Card PRIME and pay the money back at a lower rate of interest for a specified amount of time. This card is one of the few on the market that provides domestic lounge access and travel benefits for a low annual fee. 1 Lakh or above in a quarter. 1% fuel surcharge waiver across all fuel stations in India. Read our Axis Bank ACE Credit Card review to learn more. International Credit Card Spends brought under LRS, 20% TCS Applicable, 5 Best Dining Credit Cards in 2023: Annual Fee, Features & Review, Standard Chartered Credit Card Reward Points, Unified SmartBuy (Flight/Hotels Bookings), Rs. if you love cashback every time you buy something, then you could try the HDFC Millennia credit card. Further in all such cases By checking this box and clicking on the Authorize button, I agree to the terms and conditions, acknowledge receipt of TUCL privacy policy and agree to its terms, and confirm my authorization for Wishfin to obtain my Consumer Credit Information . It comes with an annual fee of 1,000 and offers great benefits that make the annual fee worth it. Even American companies like American Express have launched credit cards after studying the specifications of the Indian market. You get 20 Reward Points on every INR 100 spent one day before, on your birthday and one day after the birthday of the primary account holder. CashPoints can be redeemed by using them to purchase flight tickets and hotel bookings. The Millennia Visa/Mastercard gets access to only 12 airport lounges in 6 airports. Spend 1,00,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off . 3. Subscribers can select from five kinds of services known as baskets. Redemption needs the customers request. AU Small Finance Bank has recently launched the LIT Credit Card. Monday through Friday, 10:00 A.M. to 6:00 P.M. Disclaimer: MMPL does not sell any loans on our own and do not charge any fee from any customers/viewers. You can avail an annual fee waiver of Rs. All accumulated cash points have an expiry date of 2 years from the date of accumulation. Otherwise, you will be liable for the transactions. Some of the lounges include. Login with Finology account to claim these benefits -. Smart Pay; Merchant SI; Biller Categories; Electricity Bill Payment; . You can only pay 50% of the price of these two by using the points, the rest has to be paid with the help of the credit card limit. Here is the HDFC Millennia. 1,000 (Waived off on spending Rs. Earn 4 reward points on every INR 150 spent (these spends should be on retail). But you will get this benefit if you spend INR 1 Lakh or more in a year. Welcome Benefit: 1000 CashPoints will be given if the cardholder pays the annual fee. 2023 Forbes Media LLC. Dineout membership discount upto 20% at partner restaurants. When users pay their dues on time the payment reflects on their credit history making the credit score better and making the user eligible for various loans. When one makes a purchase, the merchant swipes the card and receives the authorization to complete the transaction. Editorial Note: This content has been independently collected by the Forbes Advisor team and is offered on a non-advised basis. How To Make A Small Business Website In 2023, How To Invest In Foreign Stocks From India, How To Get Bike Insurance Details By Registration Number, Online Bank Account Opening With Zero Balance, American Express SmartEarn Credit Card Review, How to Get The Most Out of Your Credit Card, Read our HDFC Millennia Credit Card Review for more, Read our Axis Bank Buzz Credit Card Review For More, Airport Lounge Access (4 visits per quarter), Airport Lounge Access (8 visits per quarter), INR 500 worth Flipkart vouchers and 15% cashback up to INR 500 on Myntra. Millennia is the only credit card from HDFC Bank to offer rewards for loading wallets. You will have to make a purchase within 30 days of card issuance to redeem your gifts. Reward Credit Cards provide reward points on spending a minimum sum of money at a go. The upper age limit to get this card is just 40 years. Can I withdraw cash with HDFC Millennia Credit Card? EDGE Reward Points can only be redeemed by purchasing selective options provided by the bank. The Millennia Credit Card from HDFC Bank comes with some significant benefits and offers in multiple categories. 500 + GST; HDFC Bank Millenia Debit Card comes with an annual fee of Rs. Hence, companies not charging any redeeming charges should be an option. the minimum salary required is 25,000 per month. If it is a digital account then one should try to do transactions online only and minimize the use of going to the branch unnecessarily as some of the services like money transfer may require a fee. Read our American Express SmartEarn Credit Card Review for more. With this card, you get 10 Reward Points on every Rs. Read our HDFC Millennia Credit Card Review for more. Though I was also eligible for HDFC Moneyback, I chose Millennia as it would offer significant value back on most of my purchases across everyday brands like Zomato, Amazon, Swiggy, Uber, etc. Q. There will be no membership fee if the cardholder has spent INR 1 lakh in the previous year. 1. This card has the same features for offline shopping that SBIs other card SimplyCLICK has for online shopping. The value of these reward points would differ from card to card, ranging from INR 1 to INR 0.25 in most of the cases. These things taken into consideration will determine the best card as discussed and explained above. Based on the above comparison, you should consider getting the HDFC Millennia Credit card if your online spends are scattered amongst the 10 partnered online brands. I hereby represent and acknowledge that: (a) I have carefully read the terms and conditions of the Agreement entered into between the Company and TUCL understood the same; or (b) the Terms of Understanding in relation to the use of the Consumer Credit Information has been agreed between me and the Company. Annual Fee: 500 + taxes ( No annual fee on spending INR 200,000 in a year), Four airport lounge visits in one calendar year in India. 3. Click/tap on the Sign Up button under the Millennia Credit Card. Premium credit cards are expensive credit cards concentrating on the comfort of users. This facility is available for parents, spouse, children or siblings above the age of 18. All these credit cards are not very expansive but as per the needs one will have to see what they require. Once can get accustomed to using credit cards by using a credit card as a financial tool. If you are shopping online or using it in established organizations, it works like a pro. 4 rounds of complimentary green fees access. 5% cashback on flights and hotel reservations made with the card. If you want to apply offline, you can visit the nearest branch of the bank to fill out the application form. However, if you have a salary account with HDFC Bank, the eligibility criteria may be relaxed. The opinions expressed are the authors alone and have not been provided, approved, or otherwise endorsed by our partners. 8,500 on the accelerated category, you can earn around 425 cashpoints. Netbanking: It refers to online banking, which is an electronic payment system. A fee of Rs. You can only have a maximum of 1000 reward points in a month, unlike other cards. Annual Fee: This is the fee that is charged after the completion of the second year and till you do not unsubscribe from the services. Step 1: Choose the Credit Card tab on the HDFC Bank website. 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