YES FIRST Exclusive Credit Card vs HDFC Millennia Credit Card
Joining Fees
₹9,999
₹1,000
Editor's Rating
4.4
4
Key Features
- One complimentary Golf Lesson every calendar month at select golf courses in India
- Complimentary Priority Pass Membership and Unlimited Complimentary Visits outside India for Primary and all Add-on Cardmembers
- Dedicated Website for Flight/Hotel/Movie ticket booking on Reward Points redemption
- 25% discount on movie tickets when booked on BookMyShow Website or Mobile App
- You will receive Welcome Benefit of 1000 CashPoints that’s applicable only on payment of membership fee
- Get Renewal membership fee waived off by spending Rs. 1,00,000 and above during the first year
- Earn 5% CashBack on all spends with a maximum CashBack earning of Rs. 2,250 per month
- Earn 5% CashBack on Amazon, Flipkart, Flight & Hotel bookings on shopping via PayZapp, and SmartBuy (minimum transaction size of Rs. 2000)
- 2.5% CashBack on all online spends
- 1% CashBack on all offline spends and Wallet reloads
- 8 Complimentary Domestic Lounge Access per calendar year
- Complimentary Domestic Airport Lounge access annually
- Experience the Good Food Trail Dining program at premium restaurants across top cities.
- 1% Fuel Surcharge waived off on fuel transactions (Minimum transaction of Rs. 400, Maximum CashBack of Rs. 250 per statement cycle)
- Enjoy up to 50 days of the interest-free period from the date of purchase
- If your HDFC Bank Millennia Credit Card gets lost, report immediately and avail zero liability on any fraudulent transactions made on the Credit Card
Rewards Rate:
Please note: The CashBack will be given in the form of CashPoints
- The redemption against the statement balance: 1 CashPoint = Rs. 1
- Redemption against travel benefits such as Flight & Hotel bookings and Rewards Catalogue at the SmartBuy Rewards Portal: 1 CashPoint = Rs. 0.30
- Redeem CashPoints at the conversion rate of 1 CashPoint = Rs. 0.30
Editor's Review
Pros
- 24 Reward Points per Rs. 200 spent on Travel Agencies & Tour Operators, Domestic Airlines and Dining
- 12 Reward Points per Rs. 200 spent on all other categories
- Life Insurance Cover
Cons
- Low reward rate
- Limited redemption options
Pros
- Avail Complimentary MasterCard/Diners Club/Visa Lounge Access Program
- The HDFC Bank Millennia Credit Card is enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets
- Revolving Credit is available at a nominal interest rate
Cons
- No golf/coaching sessions
- The Cash Points are only valid for 1 year from the date of accumulation
- Interest rates bit higher than the other credit cards- It’s 3.49% per month, accounting to 41.88% per annum
