Millennia Credit Card HDFC is known for its cashback offers, but do you know when these will be credited to your account. Well, the Cash Points get credited after a month’s billing cycle. And if you convert any of your credit card transactions into EMI, the Cash Points will be reversed. So take care of that while using your credit card for shopping and others. To grab more information on the soap boxes rewards program, check out this article below.
Welcome Gift for New Users
If you have just got your credit card from HDFC Bank, you will receive 1000 Cash Points as a welcome gift. This is available only if you pay the membership fee for the card. The membership fee is INR 1,000 + GST for Millennia Credit Card HDFC. If you spend at least INR 1 Lakh in a year, the renewal fee is waived off. So by just paying the joining fee of your card, you could begin accumulating Cash Points.
Save on Online Expenditure
If you often use online services such as shopping, booking movie tickets, etc. then at the payment gateway choose the credit card option and use your HDFC Card. By doing so you can get 5% Cashback. Well, not all online services will give you this benefit, only those who partner with HDFC Bank. Check out the list below –
- Cult. fit
- Sony LIV
- Tata CLiQ
As you take a look at the partner e-commerce site, you will see the HDFC Card provides you cash back for everyday transactions such as food, transportation, shopping, etc.
What is the Minimum Cashback Percentage?
1% cashback will be available to you on retail spending. This will not include EMI, wallet transactions, and fuel refilling. So read the rewards terms and conditions. So you don’t have a misconception about it. So, if you switch to the HDFC Card instead of using cash for your daily spending, you could save a handsome amount at each billing cycle. To keep track of your cash points, do HDFC Credit Card Login using your 16-digit credit card number.
Check whether you have enough points to make a redemption. CashBack will be provided in the form of CashPoints, which you can redeem against the card balance. This facility is available on request only. The redemption against the card balance will be done at the rate of 1 CashPoint = INR 1. So use the reward to pay your card bills. This way you can easily pay off the remaining amount. The minimum CashPoint required for redemption against the credit card statement is 500 CashPoints.
Well, this is not the only way to redeem CashPoints, it can also be used for redemption against travel benefits for flight and hotel bookings and rewards catalog at the SmartBuy Rewards Portal of the HDFC Bank. Here, the points have a value of 1 CashPoint = INR 0.30.
Note – Any unredeemed CashPoints will expire after two years from the date of its accumulation. Your flights and hotel redemption can be done up to 50% of their booking value. So, you need to pay the rest of the transaction amount.
Do You Have Any Query?
If you understand all about the HDFC Credit Card Reward program, proceed with the online application. But if you still have some doubts left, contact the service provider by calling the HDFC Credit Card Customer Care Number. This is a toll-free number and the customer service is available 24×7. So call anytime and get your answers.
Once you are satisfied with the credit card offers, apply for the card. You can do this at home by visiting the bank website. And if you are an existing customer, visit the bank’s website login and apply instantly.