HDFC Millennia Debit provides a host of benefits, such as reward points, complimentary airport lounge access, fuel surcharge waiver, insurance coverage and a comparatively higher ATM withdrawal limit. The bank provides this debit card when you open a savings account. However, if you haven’t received your debit card, you can apply for it through net banking or official website of the bank. Read on, to know more about this debit card.
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Key Highlights of HDFC Millennia Debit Card | |
 | |
| Daily ATM withdrawal limit | Rs. 50,000 |
| Free ATM transactions (HDFC Bank ATMs) |
|
| Free ATM transactions (Other Bank ATMs) | 3 for metro ATMs & 5 for non-metro ATMs |
| ATM charges (beyond free transactions) | Rs. 21* |
| Daily shopping limit | Rs. 3.5 lakh |
| International shopping limit | Rs. 1 lakh |
| Cashback benefits |
|
| Additional benefits |
|
*plus taxes
| On this page |
Just like Credit Cards, now debit cards also offer benefits like reward points, insurance coverage and complimentary lounge access. With this debit card, you can save up to Rs. 4,800 every year. Here are some of the major HDFC Millennia Debit Card benefits:
Cashback Benefits: This debit card lets you earn CashBack points which you can later redeem against cash within 12 months of receiving them. You can earn a maximum of Rs. 400 from CashBack points in a month for every transaction greater than Rs. 400. Below mentioned are the details regarding cashback rewards:
Note: No CashBack points will be earned for transactions on fuel, jewelry & other business services, including credit card payments & insurance premium payments.
| Look out for top cashback credit cards if you want to earn better cashback on your transactions. |
Airport Lounge Access: This debit card offers 4 complimentary domestic airport lounge access every year. You can earn a maximum of one airport lounge access every quarter.
Fuel Surcharge: The fuel surcharge will not apply to your fuel transactions done via HDFC Bank Millennia Debit Card. However, you can also look for top fuel credit cards, if you want to avail exclusive fuel benefits.
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Insurance Benefits: This debit card also offers insurance coverage, fire and burglary protection, baggage insurance and accidental death coverage as per the below details:
Suggested Read: Know all about HDFC Millennia Credit Card: Features, Benefits, Eligibility, Fee & Charges
You can apply for this debit card if you are a customer of HDFC Bank and also an Indian Resident or NRE. The prerequisites to apply for HDFC Millennia Debit Card are as follows:
The fees and charges applicable to HDFC Bank Millennia Debit Card are mentioned in the table below:
| Fee Type | Amount |
| Card Replacement Fee** | Rs. 200 |
| ATM PIN Generation** | Rs. 50 |
| ATM Charges** (beyond free transactions) | Rs. 21 |
| Foreign Exchange Mark-up Fee | 3.5% |
**plus taxes
You can apply for HDFC Millennia Debit Card through both online and offline modes. To apply offline, you can submit an application form by visiting any of the nearest branches of the bank. After a successful verification, the bank will send you a debit card to your mailing address.
Besides this, if you want to apply online, you can visit the official website of the bank to fill out an application form or you can also apply for a debit card through the net banking portal. However, remember, you must have a savings or current account with the bank to apply for this debit card.
If want to upgrade your HDFC Bank Millennia Debit Card, you can use the net banking facility or call on the HDFC Bank customer care number and ask the representative to upgrade your debit card. Here are the steps that you need to follow in order to upgrade your current debit card:
Step 1: Log in to the HDFC net banking portal using your user ID and password.
Step 2: Click on the ‘Cards’ section available under the ‘Pay’ option.
Step 3: Select your current debit card and click on ‘Upgrade Card’ to process your request.
Q. I don’t have an account with the bank. Can I still apply for HDFC Millennia Debit Card?
A. No, in order to apply for any of the HDFC Bank debit cards, you must have a savings account/ current account/ supersaver account/ loan against shares account (LAS)/ salary account or an individual account holder with the bank.
Q. What all documents do I need to submit for HDFC Millennia Debit Card?
A. If you have a savings or current account with the bank, then you do not have to submit any document to avail this debit card. However, if you are not a customer of HDFC Bank, then you first need to open an account with the bank to avail this card. To do so, you need to submit relevant documents, including identity proof, photographs and address proof.
Q. What is the maximum cashback I can earn via HDFC Millennia Debit Card?
A. With this debit card, you can earn a maximum aggregate CashBack points of Rs. 400 every month. You can also redeem the earned CashBack points through net banking in multiples of Rs. 400. However, remember, that the CashBack points come with a validity of 12 months.
Q. How can I redeem CashBack points earned via HDFC Millennia Debit Card?
A. You can redeem the earned CashBack points via net banking and phone banking. To redeem them via phone banking, you can call on the HDFC Bank customer care number and ask the representative to process your request. Apart from this, for net banking, you can use the HDFC Bank net banking app and click on ‘Debit Card’ under the ‘Cards’ section. After this, click on ‘Cashback Enquiry & Redemption’ and enter your account number, input the cashback amount and redeem the earned CashBack points.
Q. Is HDFC millennia debit card good?
A. HDFC millennia debit card is a good option, as it not only provides regular debit card benefits but that similar to a credit card as well. With this debit card, you can avail high daily cash withdrawal and shopping limit, free ATM transactions, cashback and reward benefits, complimentary airport lounge access, fuel surcharge waiver and insurance benefits. Thus, if you are looking for benefits around lifestyle, then HDFC millennia debit card is a good option.
Suggested Read: 10 Benefits of using a Credit Card
Q. What is HDFC millennia debit card limit?
A. Similar to all debit cards, HDFC Bank millennia debit card comes with specified limits for ATM withdrawal and shopping. Currently, the limit is Rs. 50,000 for the daily ATM withdrawal limit at domestic ATMs; Rs. 3.5 Lakh for domestic daily shopping limit and Rs. 1 Lakh for International daily shopping limit.
Q. Which is the best debit card of HDFC?
A. HDFC Bank offers debit cards with various benefits such as cashback, lifestyle, travel, and shopping among others. To find the best HDFC debit card for you, you must look at your needs and choose a card accordingly.
If you are looking for cashback benefits then HDFC EasyShop Platinum Debit Card or HDFC Bank Rewards Debit Card can be a good option. For travel benefits, you can consider InterMiles HDFC Signature or Jet Privilege HDFC Bank World Debit Card. Further, Times Points Debit Card or EasyShop Woman’s Advantage Debit Card is good for shopping, whereas, Rupay Premium Debit Card is good for lifestyle benefits in general.
Note, that all these debit cards may offer benefits in multiple categories, thereby, choosing the best credit card amongst these, must be subjective based on your needs and spending patterns. Before choosing a card you must thus, analyze the associated features and benefits.
Suggested Read: Best HDFC Bank Credit Cards in India
Q. Is millennia debit card free for salary account?
A. Yes, if issued with a salary account, the millennia debit card is issued for free. However, note that HDFC Bank Millennia Debit Card is offered along with your savings account if you are employed with a corporate that has a salary account relationship with HDFC Bank. Also, you can get this card only on a salary credit of Rs. 25,000 or above.
