Unverified draft. Fees, reward rates, and perks below are LLM-generated seed data pending admin verification. Cross-check on the bank's official page before relying on them.

#14 of 70 in debit

HDFC Bank

HDFC Millennia Debit Card

debitMastercardmidProvisional score

A rewarding debit card giving maximum cashback on shopping and PayZapp transactions.

Score breakdown

Data completeness: 55% · Last verified: 06 Jul 2026

Reward value25/100 · weight 65%

≈ 1.24% effective on the standard basket (eligible spend only)

Wide-coverage rewards: +1.2% 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

Category	Type	Rate	Cap	Notes
online_spends	cashback	5%	₹400 / monthly	5% Cashback on PayZapp and SmartBuy transactions
all_spends	cashback	1%	₹400 / monthly	1% Cashback on offline spends and regular online shopping