When it comes to rewards and benefits, credit cards are ahead of debit cards. But, there are several situations where we cannot use credit cards. That is where debit cards are useful. But, do debit cards also give rewards or cashback? Yes, now we have many debit cards which give rewards or cashback for transactions. Millennia debit card is one of them. HDFC Bank launched the very successful and rewarding Millennia debit card in 2019. In this article, we review the HDFC Bank Millennia debit card and its rewards & benefits.
Fees and Charges
- Annual Fee: Rs 500 plus taxes
- Issued free (without any annual fee) for Classic, Preferred and Imperia customers
How To Apply for Millennia Debit Card
We can apply for Millennia debit card from HDFC Bank Netbanking. The navigation is Cards –> Debit Cards –> Transact –> Debit Card Upgrade.

Cashback on Transactions
- Shopping via PayZapp or Smartbuy: 5% Cashback
- All Online Spends: 2.5% Cashback
- Offline Spends and Wallet Reloads: 1% Cashback
The minimum transaction amount for cashback is Rs 400. The maximum cashback across all spends is capped at Rs 400 per month. Below transactions will not get cashback on the Millennia debit card:
- Fuel Spends
- Jewellery
- Business Services like credit card bill and insurance premium payment
Cashback Redemption
Cashback can be redeemed from HDFC Bank Netbanking in multiples of Rs 400. The navigation to redeem is Cards –> Debit Cards –> Enquire –> Cash Back Enquiry and Redemption. Cashback is valid for 12 months from date of credit.

Smartbuy Rewards
Millennia is also eligible for Smartbuy platform cashback like other HDFC Bank debit cards. The cap for Smartbuy cashback is Rs 1000 per calendar month for Millennia debit cards.
Shopping Category | Cashback on Millennia Debit Card |
---|---|
IGP.com | 10% |
Amazon | 5% |
Flights (Cleartrip and Yatra) | 5% |
Hotels (Cleartrip) | 5% |
MakeMyTrip (Hotels) | 5% |
IRCTC | 5% |
Redbus | 5% |
Instant Voucher | 5% |
Apple Tresor | 5% |
Flipkart | 1% |
Complimentary Airport Lounge Access
We get 4 complimentary airport domestic lounge access per year. The list of lounges varies depending on the card network (Visa/Mastercard/Diners) on which Millennia is issued.
Final Thoughts
Millennia debit card gets Rs 1400 cashback per month including both Smarbuy and regular cashback. This is good enough for a debit card. Especially for someone who is starting off in a job or students who do not use credit cards.
HDFC Bank Millennia debit card is one of the most rewarding one among all banks. So, go ahead and get this debit card. We have to pay an annual fee for debit cards anyway. So, this card makes more sense than others out there. Millennia debit card gives far more benefits than the fee it carries.
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HDFC Bank Millennia Debit Card
CardMaven
3 thoughts on “HDFC Bank Millennia Debit Card Review”
Hi,
Can someone confirm if we get 2.5% cashback using this Debit card to make Credit Card payments on the CheQ app?
Sadly the cashback is capped at Rs 400 per month.
Can you write a article for Platinum Debit card from HDFC and also do a comparsion between Millenia Debit & Platinum Debit ?
Hi AK. Yes, it is in progress.