Reviewing the HDFC Millennia Debit Card

Everybody loves to shop, whether for clothes, accessories, home decor, or to make purchases online on international websites. And everybody loves the rewards they receive when making transactions through credit cards. The rewards can be in any form, such as cashback, Reward Points, air miles, etc.

But what if I told you you can earn cashback through debit cards? The HDFC Millennia Debit Card provides cashback points on purchases made online and offline, both internationally and domestically. This card is a game changer in the world of debit cards. In addition to cashback points, users will also earn airport lounge access, insurance coverage, and a high debit card limit for a nominal joining fee of ₹500 plus taxes. This card is a great choice for people who love earning cashback for every purchase.

Cashback Offers

The HDFC Millennia Debit Card offers cashback points for all transactions made by the cardholder. Users will get 5% cashback points when shopping through PayZapp and SmartBuy. They will also receive 2.5% cashback points on all online spends, and 1% cashback on all offline purchases and wallet reloads. Users can earn up to ₹4,800 in cashback annually.

All the cashback points earned can only be redeemed in multiples of 400 through NetBanking. Users can only earn 400 cashback points every month on transactions made above ₹400. All the points earned will be credited within 90 days from the end of the transaction month and will be valid for 12 months for redemption. If you fail to redeem them, then all the points earned will be relapsed.

No cashback points will be earned on transactions made on fuel, jewelry, or business services, which include credit card payments, insurance premium payments, and other business services.

Airport Lounge Access

Users who have the Millennia Debit Card and love traveling will be impressed with the airport lounge access this card offers. Users will receive complimentary visits to domestic airport lounges once every quarter only if they spend ₹5,000 or more in the previous quarter. They will get the chance to relax and wait for their flight in comfort. Users will get access to the following domestic airports in India:

Insurance Coverage

The Millennia Debit Card provides insurance coverage for personal accidents, international air accidents, fire and burglary protection, and checked baggage. Cardholders are insured with these cards, and they will receive ₹10 lakhs on personal accident death, ₹1 crore on international air accidents, ₹2 lakhs on fire and burglary, and ₹2 lakhs on checked baggage insurance. The insurance coverage provides security to cardholders, and they can travel without any worry, knowing they are insured.

High Debit Card Limit

The Millennia Debit Card provides a high debit card limit to its cardholders. Users receive a daily domestic ATM withdrawal limit of ₹50,000, a daily domestic shopping limit of ₹3.5 lakhs, and a daily international shopping limit of ₹1 lakh.

Fuel Surcharge Waiver

Fuel surcharge will not be applied to transactions made using HDFC Bank swipe machines at government petrol outlets operated by Hindustan Petroleum Corporation Limited (HPCL), Indian Oil Corporation Limited (IOCL), or Bharat Petroleum Corporation Limited (BPCL).

Bottom Line

The HDFC Millennia Debit Card is a preferred choice in debit cards for people who love to shop. This card is so beneficial that people can earn up to ₹4,800 annually just because of the cashback points. It would have been a different case if it was a credit card, but there are no debit cards that offer cashback up to almost ₹5,000 in India. People who love to shop, both online and offline, should opt for this card just for the cashback it provides. Airport lounge access, insurance coverage, etc, are secondary benefits; cashback is the main benefit.