With the HDFC Bank Millennia Debit Card, you can truly Keep Going with Debit.

Key features:-

  • Get up to ₹4800 CashBack* every year
  • 5% CashBack points on shopping via PayZapp and SmartBuy
  • 2.5% CashBack points  on all online Spends
  • 1% CashBack points on all offline spends and Wallet reloads

Other features:-

  • 4 Complimentary Domestic Airport Lounge access annually
  • Effective 1st January 2024, you will get complimentary lounge benefit only if you spend Rs. 5000 or more in previous calendar quarter. For more information click here
  • Accidental insurance cover up to ₹10 lakhs

Know the features and benefits of the Millennia Debit Card:-

1. CashBack Rewards 

  • CashBack Points can be earned for every transaction greater than ₹400
  • Maximum aggregate CashBack Points per account per month is 400
  • CashBack Points need to be redeemed through NetBanking in mulitples of 400
  • CashBack Points will be credited in 90 days from the end of the transaction month
  • CashBack Points will be valid for redemption within the next 12 months after which your CashBack Points will lapse.
  • No maximum capping on redemption subject to availability
  • T&C for SmartBuy C/B: https://offers.smartbuy.hdfcbank.com/offer_details/smartbuy/15282/Zmilm2U%3D

All promotional CashBack points earned on your Debit Card will have a validity of 3 months, post which the accumulated points will expire effective February, 2020.

No CashBack points for transactions on Fuel, Jewellery & Business Services including Credit Card Payment, Insurance Premium Payment & other Business Services

Please note: 

Incase if an account has two customers with both customers holding a Millennia Debit Card each (under the same account number), all eligible transactions done on both cards shall be entitled to receive maximum 400 cashback points per month at the account level.

Example: Account A has two cardholders 1 and 2 both holding Millennia Debit Card. For all eligible transactions done on Card 1 shall be capped at 400 points per month and Card 2 shall be capped at 400 points per month. Cumulative cashback at account level shall be capped at 400 cashback points per month.

​​​​​​​Click here to visit the list of standard exclusion MCCs where product feature cashback benefits are not applicable.

How to Redeem Cashback Points?

Through NetBanking

Login >> Pay >> Cards >> Debit Cards >> Debit Cards Summary >> Actions >> Redeem Reward Points

2. Airport Lounge access offer

To compliment your adventurous expeditions, this card gets you 4 complimentary lounges access annually (once per calendar quater) at domestic airports across India. For the list of lounges where the offer is valid and conditions.

Effective 1st January 2024, you will get complimentary lounge benefit only if you spend Rs. 5000 or more in previous calendar quarter. For more information click here 

3. Higher Debit Card Limits

Unfold something new, every day!

  • Daily Domestic ATM withdrawal limits: ₹50,000
  • Daily Domestic Shopping limits: ₹3.5 lakhs
  • Daily International Shopping limits: ₹1 lakhs

Please login to NetBanking to change (Increase or decrease) the limit* on your Debit Card to suit your needs. Please note the limits can be increased up to the Permissible limits on your Debit Card.

*For Security reasons, ATM cash withdrawal limit is capped at ₹ 0.5 Lakhs per day and ₹ 10 Lakhs per month for first 6 months from Account opening date.  For accounts older than 6 months, ATM cash withdrawal limit is capped at ₹ 2 Lakhs per day and ₹ 10 Lakhs per month. This is implemented with immediate effect.

In case your Debit Card is enabled for ATM and POS usage but still you are facing issues while doing transactions, please click here for FAQs

4. Online Shopping

Pay Bills or Shop online using your HDFC Bank Debit Card by using Verified by VISA(VBV)/MasterCard SecureCode

5. Safe and Secure

The encryption technology of a contactless chip card, which secures the card against fraudulent use, so that you can spend well without a worry.

This card offers greater security by storing & processing information in a secure manner. This advanced technology is more effective in preventing the card from being copied to product counterfeit cards.

6. Contactless Payment Technology 

The HDFC Bank Millennia Debit Card is enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets.
*To see if your Card is contactless, look for the contactless network symbol on your Card. You can use your Card to make quick transactions at merchant locations accepting contactless Cards.

Information on Contactless Debit Card - Click Here

Please note that in India, payment through contactless mode is allowed for a maximum of ₹5000 for a single transaction where you are not asked to input your Debit Card PIN. However, if the amount is higher than or equal to ₹5000, the Card holder has to enter the Debit Card PIN for security reasons.

Important Note:

As per RBI guidelines RBI/2019-2020/142 DPSS.CO.PD No. 1343/02.14.003/2019-20 dated 15th January 2020, all Debit Cards issued effective 1st Oct' 2020, are or will be enabled only for Domestic usage (PoS & ATM) and disabled for Domestic (E-commerce & contactless) and International usage. This is to improve user convenience and increase the security of card transactions. 

You can enable or modify Domestic & International transactions limits on ATM / PoS / E-commerce / Contactless please visit MyCards / NetBanking / Mobile Banking / WhatsApp Banking- 7070066666 / Ask Eva / Call Toll-free Number 1800 1600 / 1800 2600 (from 8 am to 8 pm) Customers travelling overseas can reach us at 022-61606160. 

*NRO Debit Card will continue to be enabled only for domestic usage as per regulatory mandate.

  • Contactless per day limit is of transaction Rs. 5000/- 

7. Insurance Cover 

With our cards, care comes naturally.

  • Accelerated Personal Accident Death Cover of up to ₹10 lakhs.
    • You are entitled to a Base Personal Accident Death Cover by Air/Road/Rail for a sum  
      assured of ₹5 lakh.
    • Additionally, you are also eligible for an Accelerated Personal Accident Death Cover up to a maximum of ₹5 lakh, subject to minimum transactions at merchant locations / online. 
      Click here to know more.
    • All Debit Card holders are required to use their Debit Card at retail OR on-line stores at 
      least once every 30 days to keep the free Personal Death Insurance cover  
      on their Debit Card active.
  • International Air Accident Cover.
  • *In the event the Insured Person(s) having multiple Cards issued by the Insured named in the Schedule, the Insurance Policy shall be applicable only for the Card, which has the highest POS amount.

Now get additional International Air Coverage of flat ₹1 Crore on purchase of air ticket using your Debit Card. Click here to Know More.

8. Fire & Burglary Protection of ₹200,000 

You are insured for the items purchased using Debit Card (upto 6 months) - Sum assured 
Rs. 200,000. Click here for more details.

9. Checked Baggage Insurance Sum of ₹2 lakh 

Applies if the insured person is travelling on tour and / or on holidays to location Outside India, to the intrinsic value of the accompanied personal baggage belonging to the card holder, so lost because of fire, theft, burglary and accident of travelling vehicle. Click here for more details.

10. Zero Liability 
You will not have any liability to any fraudulent Point of Sale transactions on the Debit Card, which take place upto 90 days prior to reporting the card loss. Click here

11. Fuel Surcharge 

Effective 1st January 2018, Fuel Surcharge would not be applicable for the transactions done on HDFC Bank swipe machines.