How does cashback occur on HDFC Millennia Credit Card?
Cashback on the HDFC Millennia Credit Card is earned as CashPoints, which can be redeemed against statement balance, travel bookings, or gifts.
Cashback Structure:
- 5% CashPoints on select online merchants (Amazon, Flipkart, etc.).
- 2.5% CashPoints on other online transactions.
- 1% CashPoints on offline spends and wallet reloads.
- No cashback on fuel, rent, government transactions, and EMI spends.
- Capping: Maximum 1,000 Cashpoints per month for 5% category, and 500 Cashpoints per month for 2.5% category.
Cashpoints are credited within 90 days of the transaction date.
| Spend category | Cashback rate | Monthly cap |
|---|---|---|
| Amazon, Flipkart, Zomato, Swiggy, Myntra, Tata Neu, etc. | 5% CashPoints | ₹1,000 |
| Other Online Spends | 1% CashPoints | ₹750 |
| Offline Spends | 1% CashPoints | ₹750 |
| Wallet Loads, Fuel, EMI, Rent Payments | No Cashback | Not Eligible |
Cashback Redemption & Usage
Redeem for statement credit (Cashpoints to ₹ conversion).
Use for flights, hotel bookings via SmartBuy.
Redeem for products/gift vouchers.
Minimum CashPoints needed for redemption: 500.
Cashback Limitations
Max ₹1,000/month cashback on 5% category.
No cashback on wallet loads, EMI, fuel, and rent payments.
Cashback is credited after 90 days from the transaction date.