HDFC Millennia Debit Card - Lounge Access & Charges

Note: Starting from 1st January 2024, the complimentary lounge benefit will only be available if you have spent ₹ 5,000 or more in the previous calendar quarter.

Cashback Rewards

1. Annual Cashback: Earn up to Rs.4,800 cashback annually every year
2. Shopping Cashback:  Earn 5% cashback points when shopping via SmartBuy and PayZapp.
3.  Earn 2.5% cashback points on all online transactions.
4. Earn 1% cashback points on all offline transactions.
5. Get Cashback points for all transactions over Rs.400.

Insurance Benefits

The HDFC Millennia Debit Card offers several insurance protections:

1. Accidental insurance cover: up to Rs.10 lakhs.
2. International Air Accident Cover: Rs. 1 Crore (on purchase of air ticket using HDFC Debit Card)
3. Fire & Burglary Protection: Rs.2 lakh.
4. Checked Baggage Insurance: Rs. 2 lakh.

Safe and Secure to Use

1. The debit card comes with a contactless chip that ensures enhanced security.
2. This technology helps prevent the card from being hacked or fraudulently copied, offering protection against fake trading cards.

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HDFC Millennia Debit Card Fees and Charges

Below are the applicable fees and charges for HDFC Millennia Debit Card:

Type of charge	Fee
Annual fee	Rs.500 + taxes
Replacement/Reissuance Charges for Debit Cards	Rs.200 + taxes
Charge slip retrieval request	Rs. 100
ATM Pin Generation	Free
No. of Free Transactions in HDFC ATMs	5
No. of Free Transactions (Other Bank ATMs)	3 for Metro & 5 for Non-Metro
ATM Charges	Rs. 21
Foreign Exchange Mark-up Fee	3.5%

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HDFC Millennia Debit Card Withdrawal Limits

The transaction limits for HDFC Millennia debit card type are as follows:

Type of Transaction	Transaction Limits
Daily Domestic Shopping Limit	Rs.3.5 lakh
Daily Domestic ATM withdrawal	Rs.50,000
Daily International Shopping	Rs.1 lakh

Eligibility Criteria for the HDFC Millennia Debit Card

To be eligible for the HDFC Millennia Debit Card, resident Indians must hold one of the following accounts:

1. Savings Account
2. SuperSaver Account
3. Current Account

1. Salary Account
2. Loan Against Shares Account (LAS)
3. Individual Account Holders (Savings Account, Corporate Salary Accounts & Senior Citizens)

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How to Apply for HDFC Bank Millennia Debit Card?

You can apply for the HDFC Millennia Debit Card either offline or online:

Offline Application Process:

Visit any nearby HDFC Bank branch and submit an application form in person. Once your application is successfully verified, the bank will send the debit card to your registered mailing address.

Process to Apply Online:

To apply online, you must have an existing savings or current account with the bank. You can submit your application by filling out the form on HDFC Bank's official website or through the NetBanking portal.

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How to Upgrade HDFC Milennia Debit Card?

Given below is the procedure to upgrade to an HDFC Milennia Debit Card:

1. Log in to your HDFC NetBanking portal using your credentials.
2. Go to the 'Cards' section under the 'Pay' menu.
3. Select your current debit card and click on 'Upgrade Card'.

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FAQs on HDFC Millennia Debit Card

• How much cashback can I earn in a month?

  Maximum aggregate cashback points per card per month is Rs.400. 

• What is HDFC Millennia debit card limit?

  The HDFC Millennia debit card limit for daily domestic card withdrawal is Rs.50,000. The daily limit for domestic shopping limits is Rs.3.5 lakh and international shopping limits is Rs.1 lakhs. 

• Is HDFC Millenia card lifetime free?

  No, For the first year's membership cost and the renewal membership charge, the HDFC Millennia card is available for Rs.500 plus any relevant taxes. 

• When will the cashback be credited to my account?

  Cashback points will be credited in 90 days from the end of the transaction month

• Are there transactions for which I cannot earn cashback?

  You do not earn cashback for transactions on jewellery, fuel, business services like credit card payment, or an insurance premium payment.

• Can the card be used for contactless transactions?

  The HDFC Bank Millennia Debit Card can be used to make contactless payments which facilitate fast, secure and convenient payments.

• Is there zero liability with the debit card?

  You will not have any liability for any fraudulent Point of Sale transactions on the Debit Card, which takes place up to 90 days prior to reporting the card loss.

• Can I upgrade my HDFC Millenia debit card online?

  Yes. You can upgrade your HDFC Millenia debit card online. 

• What are the documents needed to apply for HDFC Millenia debit card?

  To obtain this card, though, you must first open an account with HDFC Bank if you don't already have one. You must provide the required paperwork, which includes identification, photo identification, and evidence of address. 

• Is HDFC Millenia Debit Card good?

  The HDFC Millennium Debit Card is a good choice because it offers both typical debit card advantages and those of a credit card. Therefore, this Card is an excellent choice if you're looking for lifestyle perks.

• Is it possible to apply for the HDFC Millennia Debit Card if I don’t have an HDFC account?

  No, you must hold an account with HDFC Bank to apply for the HDFC Millennia Debit Card.

• Is the HDFC Millennia Debit Card free with a salary account?

  Yes, the HDFC Millennia Debit Card is free with a salary account. However, if you work for a company that has a salary account-association with HDFC Bank, you will be given the HDFC Bank Millennia Debit Card. Furthermore, this debit card can be availed if you have a salary credit of Rs.25,000 or more. 

• Does the HDFC Millennia Debit Card provide airport lounge access?

  Yes, the HDFC Millennia Debit Card offers four airport lounge visits for free a year.