{"id":35950,"date":"2025-07-02T10:07:44","date_gmt":"2025-07-02T10:07:44","guid":{"rendered":"https:\/\/manikarthik.com\/blog\/?p=35950"},"modified":"2025-07-02T10:07:49","modified_gmt":"2025-07-02T10:07:49","slug":"hdfc-bank-millennia","status":"publish","type":"post","link":"https:\/\/manikarthik.com\/blog\/hdfc-bank-millennia\/nri-finance\/credit-card-reviews\/","title":{"rendered":"HDFC Bank Millennia Credit Card Review"},"content":{"rendered":"\n<p>When I moved back from USA in 2017, credit cards were a maze. My American credit history meant nothing here. I had to start fresh.<\/p>\n\n\n\n<p>The Millennia card caught my attention because it promised rewards for online shopping. And let&#8217;s be honest, as NRIs transitioning back, we order everything online initially.<\/p>\n\n\n\n<p><strong>Bottom Line Up Front:<\/strong> This card works if you&#8217;re a heavy online shopper who spends on the right merchants. It doesn&#8217;t work if you&#8217;re looking for airport lounges or premium perks.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Card Overview: The Basics \ud83d\udccb<\/strong><\/h2>\n\n\n\n<p>The HDFC Millennia is positioned as an entry level cashback card. It targets millennials who live online. Shop online. Order food online. Book movies online.<\/p>\n\n\n\n<p><strong>Target Audience:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Young professionals (21-40 years)<\/li>\n\n\n\n<li>Heavy online shoppers<\/li>\n\n\n\n<li>First time credit card users<\/li>\n\n\n\n<li>People who want simple cashback rewards<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Key Features Breakdown \ud83d\udd25<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Cashback Structure<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>5% cashback<\/strong> on 10 select merchants<\/li>\n\n\n\n<li><strong>1% cashback<\/strong> on all other spends<\/li>\n\n\n\n<li><strong>Maximum cap:<\/strong> 1,000 CashPoints per category per month<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>The Golden 10 Merchants:<\/strong><\/h3>\n\n\n\n<p>\u2705 Amazon<br>\u2705 BookMyShow<br>\u2705 Cult.fit<br>\u2705 Flipkart<br>\u2705 Myntra<br>\u2705 Sony LIV<br>\u2705 Swiggy<br>\u2705 Tata CLiQ<br>\u2705 Uber<br>\u2705 Zomato<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Welcome Benefits<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>1,000 CashPoints on paying joining fee<\/li>\n\n\n\n<li>Essentially gets your first year fee back<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Comprehensive Comparison Table \ud83d\udcca<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th><strong>Feature<\/strong><\/th><th><strong>HDFC Millennia<\/strong><\/th><th><strong>Amazon Pay <a class=\"wpil_keyword_link\" href=\"https:\/\/www.icicibank.com\/nri-banking\" title=\"ICICI\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"626\" target=\"_blank\" rel=\"noopener\">ICICI<\/a><\/strong><\/th><th><strong>Flipkart Axis<\/strong><\/th><\/tr><\/thead><tbody><tr><td><strong>Annual Fee<\/strong><\/td><td>\u20b91,000 (Waivable)<\/td><td>\u20b9500 (Waivable)<\/td><td>\u20b9500 (Waivable)<\/td><\/tr><tr><td><strong>Amazon Cashback<\/strong><\/td><td>5%<\/td><td>5%<\/td><td>1.5%<\/td><\/tr><tr><td><strong>Flipkart Cashback<\/strong><\/td><td>5%<\/td><td>1%<\/td><td>5%<\/td><\/tr><tr><td><strong>Other Online<\/strong><\/td><td>1%<\/td><td>1%<\/td><td>1.5%<\/td><\/tr><tr><td><strong>Offline Spends<\/strong><\/td><td>1%<\/td><td>1%<\/td><td>1.5%<\/td><\/tr><tr><td><strong>Fuel Surcharge Waiver<\/strong><\/td><td>1% (\u20b9250 cap)<\/td><td>2% (\u20b9300 cap)<\/td><td>1% (\u20b9250 cap)<\/td><\/tr><tr><td><strong>Lounge Access<\/strong><\/td><td>Limited<\/td><td>None<\/td><td>None<\/td><\/tr><tr><td><strong>Min Income Required<\/strong><\/td><td>\u20b935,000\/month<\/td><td>\u20b930,000\/month<\/td><td>\u20b925,000\/month<\/td><\/tr><tr><td><strong>Foreign Transaction Fee<\/strong><\/td><td>3.5%<\/td><td>3.5%<\/td><td>3.5%<\/td><\/tr><tr><td><strong>Reward Point Validity<\/strong><\/td><td>2 years<\/td><td>3 years<\/td><td>2 years<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Real World Usage: My Family&#8217;s Experience \ud83d\udca1<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Month 1-3: The Honeymoon Phase<\/strong><\/h3>\n\n\n\n<p>When we got this card, my wife was skeptical. &#8220;Another credit card?&#8221; she asked. But once she started using it for grocery orders on BigBasket and food on Swiggy, the CashPoints started adding up.<\/p>\n\n\n\n<p><strong>Our typical monthly spend breakdown:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Amazon: \u20b98,000 (5% = \u20b9400 CashPoints)<\/li>\n\n\n\n<li>Swiggy: \u20b93,000 (5% = \u20b9150 CashPoints)<\/li>\n\n\n\n<li>Other spends: \u20b915,000 (1% = \u20b9150 CashPoints)<\/li>\n\n\n\n<li><strong>Total monthly CashPoints: \u20b9700<\/strong><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Month 6: Reality Check<\/strong><\/h3>\n\n\n\n<p>The monthly caps kicked in. We were hitting the 1,000 CashPoint limit on Amazon easily. This meant our effective cashback dropped from 5% to around 2.5%.<\/p>\n\n\n\n<p><strong>Learning:<\/strong> Great card if your spending is distributed. Not so great if you&#8217;re a heavy Amazon user.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Fees and Charges Deep Dive \ud83d\udcb0<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th><strong>Charge Type<\/strong><\/th><th><strong>Amount<\/strong><\/th><th><strong>My Take<\/strong><\/th><\/tr><\/thead><tbody><tr><td><strong>Joining Fee<\/strong><\/td><td>\u20b91,000 + GST<\/td><td>Recovered via welcome CashPoints<\/td><\/tr><tr><td><strong>Renewal Fee<\/strong><\/td><td>\u20b91,000 + GST<\/td><td>Waived on \u20b91L annual spend<\/td><\/tr><tr><td><strong>Cash Advance<\/strong><\/td><td>2.5% or \u20b9500<\/td><td>Never use credit cards for cash<\/td><\/tr><tr><td><strong>Interest Rate<\/strong><\/td><td>43.2% per annum<\/td><td>Pay your bills on time<\/td><\/tr><tr><td><strong>Foreign Transaction<\/strong><\/td><td>3.5%<\/td><td>Use forex cards instead<\/td><\/tr><tr><td><strong>Overlimit Fee<\/strong><\/td><td>\u20b9500<\/td><td>Set spending alerts<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Annual Fee Waiver Math:<\/strong><\/h3>\n\n\n\n<p>Spend \u20b91,00,000 annually = Fee waived That&#8217;s \u20b98,334 per month. Very achievable for most working professionals.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Quarterly Milestone Benefit \ud83c\udf81<\/strong><\/h2>\n\n\n\n<p>Spend \u20b91,00,000 in a quarter = \u20b91,000 gift voucher<\/p>\n\n\n\n<p><strong>Available vouchers include:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Amazon<\/li>\n\n\n\n<li>Flipkart<\/li>\n\n\n\n<li>BookMyShow<\/li>\n\n\n\n<li>Myntra<\/li>\n\n\n\n<li>And more<\/li>\n<\/ul>\n\n\n\n<p><strong>My strategy:<\/strong> Time your big purchases (electronics, appliances) in one quarter to hit this milestone.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>The Good, Bad, and Ugly \u2696\ufe0f<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>The Good \u2705<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Simple cashback structure<\/li>\n\n\n\n<li>Good for online shopping<\/li>\n\n\n\n<li>No reward points complexity<\/li>\n\n\n\n<li>Contactless payments enabled<\/li>\n\n\n\n<li>EMI conversion options<\/li>\n\n\n\n<li>Works on UPI transactions<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>The Bad \u274c<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Monthly caps are restrictive<\/li>\n\n\n\n<li>Limited lounge access<\/li>\n\n\n\n<li>CashPoints credited monthly, not real time<\/li>\n\n\n\n<li>No premium benefits<\/li>\n\n\n\n<li>2 year CashPoint expiry<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>The Ugly \ud83d\udeab<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Foreign transaction fees are high<\/li>\n\n\n\n<li>Cash advance fees are brutal<\/li>\n\n\n\n<li>Limited merchant partnerships compared to competition<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Who Should Get This Card? \ud83e\udd14<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Perfect For:<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Young professionals<\/strong> starting their credit journey<\/li>\n\n\n\n<li><strong>Heavy online shoppers<\/strong> who use the partner merchants<\/li>\n\n\n\n<li><strong>People who want simple cashback<\/strong> without reward point complexity<\/li>\n\n\n\n<li><strong>Families<\/strong> who order groceries and food online regularly<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Not Suitable For:<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Frequent travelers<\/strong> (limited lounge access)<\/li>\n\n\n\n<li><strong>Premium shoppers<\/strong> (caps are restrictive)<\/li>\n\n\n\n<li><strong>International spenders<\/strong> (high forex fees)<\/li>\n\n\n\n<li><strong>Cash users<\/strong> (no offline benefits)<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>NRI Perspective: Moving Back Considerations \ud83c\uddee\ud83c\uddf3<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Pros for NRIs:<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Easy to understand reward structure<\/li>\n\n\n\n<li>Covers essential online merchants<\/li>\n\n\n\n<li>Helps build Indian credit history<\/li>\n\n\n\n<li>No complex annual spend requirements<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Cons for NRIs:<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>No international lounge access<\/li>\n\n\n\n<li>High forex fees hurt international transactions<\/li>\n\n\n\n<li>Limited premium benefits compared to US cards<\/li>\n<\/ul>\n\n\n\n<p><strong>My advice:<\/strong> Get this as your first Indian credit card. Use it to build credit history. Upgrade to premium cards later.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Application Process &amp; Tips \ud83d\udcdd<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Eligibility Requirements:<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Age: 21-40 years<\/li>\n\n\n\n<li>Income: \u20b935,000+ per month<\/li>\n\n\n\n<li>Indian citizen<\/li>\n\n\n\n<li>Clean credit history<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Required Documents:<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Identity Proof:<\/strong> Aadhaar, PAN, Passport<\/li>\n\n\n\n<li><strong>Address Proof:<\/strong> Aadhaar, Utility bills<\/li>\n\n\n\n<li><strong>Income Proof:<\/strong> Salary slips, ITR<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Pro Tips:<\/strong><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Apply online for faster processing<\/li>\n\n\n\n<li>Maintain CIBIL score above 750<\/li>\n\n\n\n<li>Have existing relationship with <a class=\"wpil_keyword_link\" href=\"https:\/\/www.hdfcbank.com\/nri-banking\" title=\"HDFC Bank\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"625\" target=\"_blank\" rel=\"noopener\">HDFC Bank<\/a><\/li>\n\n\n\n<li>Apply during festive offers for better deals<\/li>\n<\/ol>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Alternatives to Consider \ud83d\udd04<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th><strong>If You Want<\/strong><\/th><th><strong>Consider Instead<\/strong><\/th><\/tr><\/thead><tbody><tr><td><strong>Better Amazon rewards<\/strong><\/td><td>Amazon Pay <a class=\"wpil_keyword_link\" href=\"https:\/\/www.icicibank.com\/nri-banking\" title=\"ICICI\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"627\" target=\"_blank\" rel=\"noopener\">ICICI<\/a><\/td><\/tr><tr><td><strong>More merchant options<\/strong><\/td><td>Axis ACE<\/td><\/tr><tr><td><strong>Premium benefits<\/strong><\/td><td>HDFC Regalia<\/td><\/tr><tr><td><strong>No annual fee<\/strong><\/td><td>Paytm HDFC Select<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Final Verdict: The Bottom Line \ud83c\udfaf<\/strong><\/h2>\n\n\n\n<p><strong>Rating: 7.5\/10<\/strong><\/p>\n\n\n\n<p>The HDFC Millennia is a solid starter credit card. It does what it promises. Gives decent cashback on popular online merchants. Helps build credit history.<\/p>\n\n\n\n<p>But it&#8217;s not spectacular. The caps limit high spenders. The benefits are basic. The fees add up if you&#8217;re not careful.<\/p>\n\n\n\n<p><strong>My recommendation:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Get it<\/strong> if you&#8217;re new to credit cards<\/li>\n\n\n\n<li><strong>Get it<\/strong> if you shop primarily on the 10 partner merchants<\/li>\n\n\n\n<li><strong>Skip it<\/strong> if you want premium benefits or unlimited cashback<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Best Use Case Scenario:<\/strong><\/h3>\n\n\n\n<p>Young professional, monthly income \u20b950,000, spends \u20b925,000 monthly across partner merchants, maintains discipline with payments.<\/p>\n\n\n\n<p><strong>Expected annual benefit:<\/strong> \u20b96,000 in CashPoints + \u20b94,000 in quarterly vouchers = \u20b910,000 value for \u20b91,000 fee.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Personal Anecdote: The Learning Curve \ud83d\udcda<\/strong><\/h2>\n\n\n\n<p>Six months after getting this card, my older son (who was born in the US) asked me, &#8220;Dad, why do you have so many apps for paying bills?&#8221;<\/p>\n\n\n\n<p>It hit me. In America, we had one credit card for everything. Here, we optimize cards for different merchants. It&#8217;s a different mindset.<\/p>\n\n\n\n<p>The Millennia taught our family this optimization game. Now we use it specifically for online shopping. Other cards for other purposes.<\/p>\n\n\n\n<p><strong>Lesson learned:<\/strong> Credit cards in India are tools. Use the right tool for the right job.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Quick Action Items \u2705<\/strong><\/h2>\n\n\n\n<p>If you decide to get this card:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Set up AutoPay<\/strong> for full amount<\/li>\n\n\n\n<li><strong>Track monthly caps<\/strong> (1,000 CashPoints per category)<\/li>\n\n\n\n<li><strong>Plan quarterly spends<\/strong> for milestone benefits<\/li>\n\n\n\n<li><strong>Avoid cash advances<\/strong> at all costs<\/li>\n\n\n\n<li><strong>Redeem CashPoints<\/strong> before 2 year expiry<\/li>\n<\/ol>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Sources &amp; References \ud83d\udcda<\/strong><\/h2>\n\n\n\n<p><strong>Data Sources:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.hdfcbank.com\/personal\/pay\/cards\/millennia-cards\/millennia-cc-new\" target=\"_blank\" rel=\"noopener\">HDFC Bank Official Website<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.paisabazaar.com\/hdfc-bank\/millennia-credit-card\/\" target=\"_blank\" rel=\"noopener\">Paisabazaar Card Details<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.bankbazaar.com\/credit-card\/hdfc-bank-millenia-credit-card.html\" target=\"_blank\" rel=\"noopener\">BankBazaar Features<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.cardexpert.in\/hdfc-millennia-credit-card-review\/\" target=\"_blank\" rel=\"noopener\">CardExpert Review<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/groww.in\/credit-card\/hdfc-millennia-credit-card\" target=\"_blank\" rel=\"noopener\">Groww Card Analysis<\/a><\/li>\n<\/ul>\n\n\n\n<p><strong>Additional Resources:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.hdfcbank.com\/content\/bbp\/repositories\/723fb80a-2dde-42a3-9793-7ae1be57c87f\/?path=\/Personal\/Pay\/Cards\/Millennia+Cards\/CashBack+Credit+Card\/Terms-and-Conditions-Millennia-Credit-Card.pdf\" target=\"_blank\" rel=\"noopener\">HDFC Terms &amp; Conditions<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.hdfcbank.com\/personal\/pay\/cards\/millennia-cards\/millennia-cc-new\/fees-and-charges\" target=\"_blank\" rel=\"noopener\">Official Fees &amp; Charges<\/a><\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p><em>Last Updated: July 2025<\/em><br><em>Next Review: October 2025<\/em><\/p>\n\n\n\n<p><strong>Connect with me:<\/strong><br>For more insights on moving back to India and financial planning for NRIs, visit <a href=\"https:\/\/claude.ai\/chat\/140144ac-0f1e-47af-909e-e75efd74495f#\" target=\"_blank\" rel=\"noopener\">BackToIndia.com<\/a><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p><strong>Disclaimer:<\/strong> This review is based on personal experience and publicly available information. Card features and fees may change. Always verify current terms with HDFC Bank before applying.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>When I moved back from USA in 2017, credit cards were a maze. My American credit history meant nothing here. I had to start fresh&#8230;.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[509],"tags":[],"class_list":["post-35950","post","type-post","status-publish","format-standard","hentry","category-credit-card-reviews"],"modified_by":"Mani Karthik","menu_order":0,"_links":{"self":[{"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/posts\/35950","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/comments?post=35950"}],"version-history":[{"count":2,"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/posts\/35950\/revisions"}],"predecessor-version":[{"id":35952,"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/posts\/35950\/revisions\/35952"}],"wp:attachment":[{"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/media?parent=35950"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/categories?post=35950"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/tags?post=35950"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}