Both Residents and NREs can apply for a Millenia Debit Card

Resident Indians should hold one of the following HDFC Bank Accounts:

• Savings Account
• Current Account
• Salary Account

Points:

• 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

CashBack Point Validity: 1 year, from the date of earning.

Rewards:

• Get up to ₹4,800 CashBack every year
• 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
• Customer can view the cashback points in NetBanking within 2 working days from the date of transaction. However, in case of a technical glitch, the cashback will be credited by 30th of the subsequent month
• CashBack Points will be valid for redemption within the next 12 months after which your CashBack Points will lapse.
• Cashback points in the existing Debit Card variant will not be transferred if a card is upgraded to a new Debit Card variant.
• 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

• Cashback Points are earned on eligible Merchant Category Codes (MCC).
• MCCs are categorised basis the nature of business by card Networks (Visa/ Mastercard/ Rupay)
• Credit Card BillPay transactions made through Debit Card will NOT earn any CashBack points with immediate effect as this is not an eligible category for the same.

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.

• Millennia Debit Card is enabled* for Contactless Payments at retail outlets.

(Note: in India, payment through contactless mode is allowed for a maximum of ₹5,000 for a single transaction where you are not asked to input your Credit Card PIN. However, if the amount is higher than or equal to ₹5,000, the Card holder must enter the Credit Card PIN for security reasons. You may check for the Contactless Network Symbol on your card.)

Zero Cost Card Liability

• Available on any fraudulent transactions made on your Credit Card if reported immediately to HDFC Bank’s 24-hour Call Centre.

Airport Lounge access offer

• To compliment your adventurous expeditions, this card gets you 4 complimentary lounges access annually (once per calendar quarter) at domestic airports across India. For the list of lounges where the offer is valid and conditions.
• Effective 10th January 2026, you will get complimentary lounge benefit only if you spend ₹ 10,000 or more in calendar quarter. For more information click here

Fuel Surcharge

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

Higher Debit Card Limits

Unfold something new, every day!

• Daily Shopping limits (Domestic & International Combined): ₹3.5 Lakhs
• Daily ATM withdrawal limits (Domestic & International Combined): ₹50,000

Cash withdrawal facility can now be availed across merchant establishments with a maximum upper limit of ₹ 2,000/transaction on your HDFC Bank Debit Cards, maximum Cash at POS limit per month is of ₹ 10,000/- 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.

• 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 / PayZapp / NetBanking / Mobile Banking / WhatsApp Banking-70-700-222-22 / 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.

Annual fee per Card ₹500 + applicable taxes

• Replacement/Reissuance Charges for Debit Cards - ₹200 + applicable taxes
• Click here for more details
• Terms and Conditions
• Key Fact Sheet
• Please Note:
  There are no charges for using the Debit Card at merchant locations for shopping. However, at railway stations and petrol pumps, transaction charges as per industry practices will be applicable.

To know other fees & Charges on Debit Card, click here

• *The Most Important Terms and Conditions for each of our banking offerings features all the specific terms and conditions that govern their use. You must go through it thoroughly to fully understand the terms and conditions applicable to any banking product you choose.
• Important information: Your Card Member Agreement, Most Important Terms & Conditions and Other Important documents pertaining to your Debit Card can be accessed digitally. Click here.