HDFC Millennia Debit Card Review – Benefits, Charges, Apply

HDFC Millennia Debit Card Review
HDFC Millennia Debit Card

Name: HDFC Millennia Debit Card

Description: Millennia Card is a cashback points-based debit card issued By HDFC Bank. For Saving And Good Travelling Offers, it could be a better debit card compared to similar cards.

3.8 of 5 stars 1 review
  • Cashbacks
  • Features
  • Insurance Covers
  • Limits
  • Charges


It overall decent performance card for daily expenses. it provides contactless payments, free lounge access, and cashback points on deals. The insurance covers that come with the millennia debit card could be quite beneficial for cardholder.

User Review
  • Cashbacks
  • Features
  • Insurance Covers
  • Limits
  • Charges
Comments Rating 0 (0 reviews)


  • Good Cashback Points
  • Great Insurance covers
  • Decent Limits on Debit Card
  • Charges are acceptable
  • Good Traveling Benefits


  • Monthly Cashback could be better
  • No automatic credit of CB Points

What is HDFC Millennia Debit Card? Millennia Card is a multi-featured Debit Card issued By HDFC Bank. It offers versatile benefits to card holders.

It is suitable for applicants who want cash back points on deals via online or offline spending. The card comes with the benefit of earning Cash Back points of 5% on spending via PayZapp and SmartBuy

Apart from Cash back points, it provides good features in traveling too. For instance, applicants get advantages of 4 free domestic lounge access in India. Above All, it offers ₹10 lakh cover on Accidental insurance. It provides the sum of 2 lakh Checked Baggage Insurance cover for comfortable travel support.

in addition, it offers contactless payments, International Usage, Zero-liability on fraudulent transactions, And Fire & Burglary Protection of ₹2 Lakh.

HDFC Millennia Debit Card Highlight Points

PointsDetails (Information)
Payment NetworksVISA And MasterCard
Suitable ForTravel And Shopping
Cashback– Every year cash back for more than ₹4800
– it provides CashBack points of 5% on shopping
Benefits– Cash backs Points
– Insurance Cover
– Free Lounge Access
– International Uses
– Contactless Payments
Covers– Unfortunate Accident Death Cover more than ₹10 lakhs
– The amount of ₹2 lakh of Checked Baggage Insurance cover
Annual Charges ₹500 And Applicable Charges

What are the benefits with the Debit Card

HDFC Millennia Debit Card

The HDFC Millennia debit card comes with a new chip card that is perform well for security from fraudulent use and duplication. moreover, through the contactless chip, you can do payments without using an ATM PIN.

as per the policy, you can do a payment of a maximum of ₹2,000 through a contactless chip.

Cash Back Points Or Reward Points

HDFC Millennia Debit card has an impressive advantage of cash back of ₹4,800 per year.

Cash backsDescription
For ShoppingIt provides 5% cash back points on purchasing via PayZapp And SmartBuy.
Online Spendsit offers 2.5% Cash Back points on all online transactions.
offline offersit provides 1% flat cash back points on all offline spending.

The card holder can earn cash back points on spending more than ₹400. however, it offers a Maximum of ₹400 only cash back points per card each month.

How to Redeem cash back points on HDFC Millenia Debit Card (reward points redemption)

To redeem the cashback points, All you need to do is follow the step by step process-

  1. Go to The Official Site of HDFC Bank And Login Via a Net Banking Account.
  2. Once you login, Go to the section of Cards And tap on Debit cards option.
  3. In Enquiry Section, There is an option of CashBack Enquiry and Redemption.
  4. You have to select to account number For next step
  5. Type the Cash Back points amount (multiples of 400)

In addition, The maximum expiry of a cash back point is 12 months And The cash back will be credited is within 90 days.

Travel offers

it comes with several advantages in traveling too. it offers 4 Complimentary Lounge access per year at Indian airports. Above All, it provides the ₹1 crore International Air Accident Cover on purchasing flight tickets through the Millenia Debit Card.

Additional Features

FeaturesDescription (INFO)
Insurance Covers– it provides ₹1 crore additional International Air Accident Cover.
– The Card offers more than ₹10 lakhs Accelerated Unfortunate Personal Accident Death Cover
– it offers Burglary And Fire Insurance cover of a sum of 2 lakh to the card holder
– it provides cardholders a Sum of ₹2 lakh checked Baggage Insurance cover.
Zero Liabilityon reporting the card loss, it provides no liability to card holders on fraudulent purchases last 90 days transactions.
Contactless Paymentit offers simple And Quick Contactless Payment
EMV chipIt offers an EMV chip for good safety from fraud and duplication of cards.

What are the HDFC Millennia debit card limit per day

Apart from cash back and traveling offers, HDFC Bank gives a decent Higher Limits on Millennia Debit Card. For Instance,

ListLimit Details
Per Day Domestic ATM withdrawal limitThe card holder has a limit of withdrawing the amount of ₹50,000.
Domestic Shopping limit On Per Day BasisThe card holder has a set limit of domestic shopping is ₹ ₹3.5 lakhs.
International Shopping Per Day LimitThe card holder has a set limit of international shopping is ₹1 lakh.

The card holder can enable international Usage Through net banking. or he can do that through the nearest branch of HDFC Bank.

HDFC Millennia Debit Card Charges (Fee)

List of FeesDetail (Description)
Annual Fee on Debit Card– The Fee is ₹500 Every Year And Applicable Taxes.
Replacement Fee– The charges are ₹200 And necessary taxes.
Fee on slip retrieval– The Flat Fee of ₹200
International ATM Fees– ₹15 to ₹25 Fee on Checking Balance
₹115 to ₹125 Fees on withdrawing
– 3.5% Charges on Foreign Currency Markup on Millennia debit card
Instant Pin Generation ChargesNIL
Withdrawing Fee– Withdrawing With HDFC ATM No Charges will apply.
– ₹25 Charges will be applied on withdrawing through NON-HDFC BANK ATMs.

Who is Eligibile For This Debit Card

For Eligibility for this Debit card, it is available for residents of India or non-residents of India. The individual should hold one following below –

  • A Savings Account in HDFC Bank
  • Current Account
  • Salary Account through the firm
  • Loan Against Shares Account
  • A Super Saver Account in HDFC

How to Apply For The HDFC Debit Card or How You Get The One

There are two ways to apply for a debit card. All you need to do is for get the card

How to Apply For HDFC Debit Card For Existing Member of HDFC Bank

first way, if you have a account in HDFC Bank, you have to download E-Form from HDFC bank official site. fill it and submit it at your nearest HDFC Bank Branch. or you can apply from netbanking.
once the application approved, HDFC Bank will delivered the Debit Card to your doorsteps.

How to Apply For HDFC Debit Card For Non-Existing Member of HDFC Bank

Second way, if you are no account holder in HDFC Bank. you can visit the nearest branch to open an account. once the account is opened, Bank will deliver the chosen debit card to your mailing address. or you can open your bank account through HDFC Official website.

In Conclusion

In conclusion, The overall performance and features are quite impressive. The monthly cashback limit could be a drawback but the free lounge access, International Air Accident Cover, and Additional Insurance covers are the reason for the card’s popularity. moreover, It’s offers decent cashback on lifestyle expenses.

The pricemint customer reviews give a 4 out of 5-star rating on HDFC Millennia Debit Card. it may be a good-to-go debit card for daily lifestyle spending.

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