HDFC Bank Millennia Debit Card – Benefits & Charges

HDFC Bank Millennia Debit Card is one of the best debit cards. It comes with lots of benefits and cash back offers. Its reward points and various other benefits like Airport Lounge Access, Charges & Insurance cover attract the customers.

In the following we have explained the details review of HDFC Bank Millennia Debit Card:


    What are the features and benefits of HDFC Bank Millennia Debit Card?

    Following are the key features and benefits of HDFC Bank Millennia Debit Card:


    Cash Back Reward Points

    You will get cash back points on shopping:

    • 5% cash back points via PayZapp and SmartBuy shopping
    • 2.5% cash back points on online shopping
    • 1% cash back points on offline shopping and wallet reloads

    You can earn these cash back points on every transaction greater than Rs.400.

    But Maximum aggregate rewards points per card per month cash be Rs.400 (i.e. you cash get Rs.4800 cash back every year)

    This card does not provide cash back points on purchase of fuel, jewelry & business services including credit card payment, Insurance Premium payment & other business services.


    HDFC Millennia Debit Card Airport Lounge Access

    HDFC Bank Millennia Debit Card offers lounge access. This card provides lounge access at domestic airports in India.

    It provides four complimentary lounge accesses annually. But it is restricted to 1 lounge access in a quarter, means in a year you can get 4 lounge access (once per calendar quarter). For more detail on Lounge Access you can see HDFC Bank Lounge Program.


    HDFC Bank Millennia Debit Card Limit

    Daily Shopping Limits:

    • Domestic – Rs.3.50 Lakhs
    • Internationally – Rs.1.00 Lakh

    Daily withdrawal limit from domestic ATM is Rs.50,000


    Insurance Cover

    You will get the following insurance cover:

    • This card provides accelerated personal accident death insurance cover upto Rs.10 lakhs.
    • International Air Accident covers of Rs. 1 Crore.
    • You have to use your millennia debit card at retail or online stores at least once in every 30 days to have personal death insurance cover active on your debit card.
    • Insured with fire & burglary protection of Rs. 2 lakhs for the items purchased using this debit card (upto 6 months)
    • Checked baggage insurance of Rs.2 lakhs for international travelling on tour or holidays


    Other Benefits

    You can shop online using this debit card by using verified VISA / MasterCard secure code.

    You can make contactless payment for a maximum of Rs.5000 for a single transaction, but for transactions of Rs.5000 or more there is a requirement of debit card PIN.

    If your card is lost and you have reported it within 90 days for the same then in this case if any fraudulent transaction happens then your liability will be Zero.

    Also Read: HDFC Millennia Credit Card Features & Fees –Review


    What is the eligibility for applying for an HDFC Bank Millennia Debit Card?

    This card can be applied by both residents as well as NREs.

    But if the person is resident Indians then he should hold one of the following accounts in HDFC Bank:

    • Saving Account
    • Current Account
    • Super Saver Account
    • Loan against Shares Account (LAS)
    • Salary Account
    • Individual Accounts Holders (Saving Accounts, Corporate Salary account & Senior Citizens)


    What are the documents required for applying for an HDFC Bank Millennia Debit Card?

    For applying HDFC Bank Millennia Debit Card you just need to fill an application form which can be downloaded from HDFC Bank Official Website. Fill it properly and submit the same to the nearest HDFC Branch.

    Also Read: HDFC Regalia Credit Card (Benefits, Fees & Charges) – Review


    What are the fees and charges of HDFC Bank Millennia Debit Card?

    Fees & charges

    Amount (Rs.)

    Annual Fees

    Rs. 500 + applicable taxes

    Replacement/ Reissuance Charges

    Rs. 200 + applicable taxes


    How to redeem HDFC Bank Millennia Debit Card Cash Back Points?

    • You can redeem cash points in multiples of 400 through net banking.
    • Cash points will be credited within 90 days from the end of the month in which the transaction takes place.
    • Cash points will be valid for redemption within next 12 months after that it will be lapsed.


    To redeem cash back points you have to follow the following steps:

    • Step 1: Login to Net Banking
    • Step 2: Go to Card option and select Debit Cards
    • Step 3: Enquire for cash back enquiry and redemption
    • Step 4: Enter account number and continue
    • Step 5: Enter the cash back amount in multiples of 400.


    HDFC Bank Millennia Debit Card comes with lots of benefits Like. Lounge Access, Insurance cover and cash back offers. Its Charges are very nominal. It is one of the best debit cards launched by HDFC Bank.

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