HDFC Bank Millennia Debit Card & It's Benefits 🔥

PC: Siddharth Raman

Charges: 500 + GST annually. Charges are waived for HDFC Salary accounts or Savings Max accounts.


• 5% cashback on PayZapp or Smartbuy

• 2.5% cashback on shopping i.e. on Flipkart, Amazon etc

• 1% on other transactions i.e. wallet loads, credit card payments etc

• Total rewards is capped at 400 RP/month

• Bonus - 5% cashback upto 1000 on Gift Vouchers purchase via Smartbuy per month. P.s. Smartbuy has introduced 2.5% & 3.25% + GST on ASV & AGV respectively.

• Cashback will be credited in 4 month after the transaction (i.e. 90 days), you can redeem via HDFC netbanking.

• You can get rewards worth ₹16,800 annually.

How to milk the benefits?

• If you use it on smartbuy only then 5% upto 400 (card benefits) + 5% upto 1000 (smartbuy bonus), total 1400 RP/month you’ll be getting. Since Smartbuy charging convenience fees on AGV & ASV, better to buy Flipkart GV without convenience fee on smartbuy.

• For example, if you buy Flipkart GV worth 8k via Smartbuy with Millennia DC, you’ll get 400 + 400 = 800 cashback, meaning 10% cashback on Flipkart GV.

• In another example, if you buy worth 20k, you’ll get 1400 cashback, meaning 7% cashback on Flipkart GV. So buy accordingly as per your needs. P.s. there is cap of buying maximum 10k p.m. on Flipkart, Amazon, etc GVs.

• If you use Millennia DC for 40k credit card payments worth 40k via Mobikwik, Paytm etc only, then 1% upto 400 cap will be over & you’ll get 5% cashback upto 1000 if you purchase any GV via Smartbuy now.

Hope you’ve understood the benefits & enjoy the rewards :heart:. Ask if any query.


awesome… thank you for this detailed guide.

1 Like

This is the information I was looking for, thank you Dhruv!
Can you please help me how can I reach out to HDFC Debit Card Team for this debit card? Actually my wife has a salary account with HDFC Bank and have Times Point Debit Card as well. TIA

1 Like

check-in app for debit card upgrade, you will find option to upgrade to millennia card

1 Like

You can apply via HDFC Bank app.

If you have 25k+ MAB or salary account.

No annual charges will be levied.

Heyy, how to waive off that 500 + gst charges annually…?

1 Like

Have salary account or savings max (25k mab) account to waive off charges.

I have normal 10K mab savings account with this millennia debit card.
How to upgrade to savings max account.
If I have funds more than 25k for 3-4 months, can automatically offer generated for savings max. Upgrade…?

And can this account be zero balance savings account with millennia DC…?

1 Like

Automatically upgrade doesn’t work always.

You can manually request bank to upgrade it via branch.

No, you’ll have to maintain the balance.