HDFC Bank has introduced the Millennia credit card, a solution designed for those looking to maximize the benefits of their online purchases. The great advantage of this card is cashback, a powerful tool for those who want to get a return on their spending. Equipped with contactless payment technology, Millennia also offers convenience and security when making payments in physical stores. If you’re a consumer who loves platforms like Amazon, Flipkart and other e-commerce giants, this card is an excellent choice.
Main Advantages of the Millennia Card
1.Cashback on Online Purchases
One of the main attractions of the Millennia credit card is the generous cashback offered on online purchases. When using the card on major e-commerce platforms such as Amazon, Flipkart, BookMyShow, Cult.fit and Myntra, users receive 5% cashback on the value of their purchases. This benefit is ideal for those who make frequent purchases on these sites and want to get the maximum possible return on their transactions.
What’s more, cashback isn’t just limited to online purchases. Purchases in physical stores, made with the Millennia card, also guarantee 1% cashback, making it a versatile option for different types of consumption.
2.Payments with Contactless Technology
The Millennia card’s contactless payment technology is another outstanding feature. With this functionality, the payment process in physical stores becomes faster and more convenient. Simply touch the card to the payment machine (POS) to complete the transaction, without the need to enter a password for low-value purchases. This guarantees not only speed, but also security, since the card doesn’t have to be handed over to someone else during the purchase.
3.Access to airport lounges
Those who travel frequently will also find the Millennia card a great ally. The card offers free access to VIP lounges at airports, providing comfort and exclusivity before boarding. This benefit is especially attractive for those who spend a lot of time in airports and value the convenience and peace of mind that VIP lounges can offer.
4. Opção de Smart EMI
Another interesting feature is the possibility of converting large purchases into affordable installments through Smart EMI. This means that when making a large purchase, the user can divide it into monthly installments, alleviating the immediate impact on the budget. This feature is perfect for those who want to maintain financial control while making more significant purchases, such as electronics or travel packages.
Limits and Rewards
Although the Millennia card offers great benefits, such as cashback and access to lounges, it’s important to be aware of the reward limits. With each billing cycle, users can accumulate up to ₹1000 in cashback, which makes this card an excellent choice for regular consumers of digital platforms. However, for those who make large volumes of purchases, this reward limit should be taken into account when planning their transactions.