CardIQIndia
Corroborated — 6 field(s) match across 3+ reference sources (auto). Not human-verified. Confirm with the bank before high-stakes decisions.
43
#10 of 70 in debit
HDFC Bank

Millennia Debit Card

debitVisaplatinum

Cashback debit card for millennials.

Score breakdown

Data completeness: 85% · Last verified: 06 Jul 2026

Reward value29/100 · weight 65%
≈ 1.39% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +2.6% score bonus — earns broadly without narrow category restrictions.
Fee efficiency91/100 · weight 11%
Redemption flexibility92/100 · weight 8%
Perks19/100 · weight 8%
Devaluation risk70/100 · weight 8%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
₹500 + 18% GST
= ₹590 total
Annual fee
₹500 + 18% GST
= ₹590 / year total
Forex markup
3.5%

Lounge access

Domestic (per year)
4
International (per year)
0

Confirmed devaluation alerts

No confirmed devaluations tracked for this card. That doesn't mean none exist — see the neutral 70/100 devaluation-risk sub-score above.

Reward structure

CategoryTypeRateCapNotes
online_spendscashback2.5%₹750 / monthly—
all_spendscashback1%——
fuelpoints0.00%(0 pts @ ₹0.25)——