HDFC Millennia Credit Card
HDFC Bank
Point Value
₹1 per point (5% cashback)
Expiry
2 years
Redemption Options
4 ways
Last Updated
01-Dec-2025
How to Check Your Points
HDFC Mobile App
- 1.Open HDFC Mobile App
- 2.Go to Cards > Credit Cards
- 3.Select Millennia card
- 4.View CashPoints balance
NetBanking
- 1.Login to HDFC NetBanking
- 2.Cards > Credit Cards > Millennia
- 3.Check CashPoints section
Point Value Details
5% cashback on partner merchants (Amazon, Flipkart, Myntra, Swiggy, Uber, Zomato, etc.), 1% on all other spends. 1 CashPoint = ₹1 statement credit. Capped at 1000 cashpoints per category per cycle
Redemption Options
Statement Credit
Best ValueDirect credit to card statement
Value: ₹1/point
Flight Bookings
Via SmartBuy portal (50% redemption only)
Value: ₹1/point
Hotel Bookings
Via SmartBuy portal (50% redemption only)
Value: ₹1/point
Product Vouchers
From rewards catalog
Value: ₹0.50/point
Best Redemption Strategy
Statement credit gives full ₹1 per point value. SmartBuy flight/hotel redemptions require 50% card payment, limiting benefit
Expiry Information
CashPoints expire 2 years from accumulation date. No nullification if card is used within 365 days
What Doesn't Earn Points
- Fuel spends
- Rental payments
- Government payments
- EMI conversions
- E-wallet loading
- Offline spends less than ₹100
Pro Tips
Use exclusively on 5% partner merchants for maximum cashback
Redeem points monthly as statement credit to avoid expiry
Quarterly milestone vouchers worth ₹1000 after ₹1L spend per quarter
Combined milestone earnings cap at 2000 cashpoints per cycle
No minimum redemption needed - redeem even small balances
Information is for reference only. Terms and conditions may change. Always verify with official sources before making decisions. Last updated: 01-Dec-2025