HDFC Millennia Debit Card

Name: HDFC Bank HDFC Millennia Debit Card
Brand: HDFC Bank
Price: 590 INR
Rating: 3.83 (1 reviews)

Ranked #10 of 66 in debit

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HDFC's cashback-focused debit card bundled with salary/savings accounts, offering tiered cashback on PayZapp/SmartBuy and online spends plus a comprehensive insurance package.

Score breakdown

Data completeness: 70% · Last verified: 09 Jul 2026

Reward value24/100 · weight 71%

≈ 1.21% effective on the standard basket (eligible spend only)

Wide-coverage rewards: +1.2% score bonus — earns broadly without narrow category restrictions.

Fee efficiency95/100 · weight 12%

Redemption flexibility92/100 · weight 9%

Perks19/100 · weight 9%

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

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

Welcome offer

None distinctly identified for debit card variant

Milestone benefits

Pros

5% cashback on PayZapp/SmartBuy, 2.5% on online spends, 1% offline (capped Rs 400/month aggregate)
solid insurance bundle
free for corporate salary account holders
high daily transaction limits (Rs 3.5L shopping)

Cons

Lounge access spend threshold raised in Jan 2026
no cashback on fuel, jewelry, business services, credit card payments, insurance premiums
monthly cashback cap fairly low at Rs 400

Insurance cover

text: ₹NaN

Eligibility

text: Resident Indians with HDFC Savings/Current/SuperSaver/LAS/Salary account; NREs also eligible; free with salary account if min salary credit Rs 25,000+

Small print

Fuel surcharge:No fuel surcharge on this debit card