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HDFC Millinea Credit Card Review

If you are looking for a credit card that offers cashback on online and offline spending, HDFC Millinea Credit Card might be a good option for you. This card was relaunched in October 2021 with some new features and benefits. Here is a review of HDFC Millinea Credit Card to help you decide if it suits your needs.


Benefits of HDFC Millinea Credit Card


- You can earn 5% cashback (in the form of CashPoints) on purchases made from select merchants like Amazon, Flipkart, Swiggy, Zomato, etc. up to a maximum of Rs. 1000 per billing cycle.

- You can also earn 1% cashback (in the form of CashPoints) on all other spending, including wallet transactions, EMI transactions, gift card purchases, etc. up to a maximum of Rs. 1000 per billing cycle.

- You can redeem your CashPoints for statement credit at a rate of 1 CashPoint = Rs. 1, or for flight and hotel bookings at a rate of 1 CashPoint = Rs. 0.3. You need a minimum of 500 CashPoints to redeem them.

- You can get a voucher worth Rs. 1000 on spending Rs. 1 lakh in a calendar quarter, up to four times a year. You can choose from various brands like Amazon, Flipkart, Myntra, etc. for the voucher.

- You can enjoy 8 complimentary domestic lounge access per year with this card.

- You can get up to 20% discount at partner restaurants with Dineout membership.


Fees and Charges of HDFC Millinea Credit Card


- The joining fee and annual fee of this card are Rs. 1000 + GST each. However, you can get the joining fee waived off if you spend Rs. 50,000 in the first 90 days of card issuance.

- You can also get the annual fee waived off if you spend Rs. 1 lakh in the previous year.

- The interest rate on this card is 3.49% per month or 41.88% per annum.

- The cash withdrawal fee is 2.5% of the amount withdrawn or Rs. 500, whichever is higher.

- The foreign currency markup fee is 3.5% of the transaction amount.


Who Should Get HDFC Millinea Credit Card?


HDFC Millinea Credit Card is suitable for those who shop online frequently and want to earn cashback on their spending. It is also good for those who want to enjoy lounge access and dining discounts occasionally. However, if you are looking for travel benefits, reward points, or premium features, this card might not be the best choice for you.


HDFC Millinea Credit Card is an entry-level credit card that offers decent cashback and some other benefits at a low cost. It is easy to use and redeem the CashPoints earned on this card. However, it has some limitations like low reward rate on non-select merchants, monthly cap on cashback, and high interest rate. Therefore, you should compare this card with other options before applying for it.

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