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HDFC Bank

Platinum

DEBIT

Cardholder Account

Millennia Debit Card

RuPay

HDFC Bank • RuPay • Platinum Tier

Millennia Debit Card

Account-Linked • Zero CIBIL Required

CardIntel Score: 71/100 • Good

Verified

Annual Fee

₹500 + GST

Forex Markup

3.5%

Domestic Lounge

1 visit/quarter

International Lounge

None

2026 Qualifying Condition & Spend Hurdle

Lounge access strictly requires ₹10,000 spend in preceding calendar quarter

Top Advantage & Why It Matters

Industry-best 5% SmartBuy & 2.5% online cashback up to ₹4,800/year

Apply on Official Bank Site

Key Benefits & Reward Mechanics

Direct perks documented from HDFC Bank's official schedule of charges and Most Important Terms and Conditions (MITC).

5% Cashback on PayZapp & SmartBuy (capped at ₹400/month)

2.5% Cashback on all online merchant transactions (capped at ₹400/month)

1% Cashback on offline retail spends and wallet reloads (capped at ₹400/month)

Earn up to ₹4,800 direct cashback points annually

1 complimentary domestic lounge visit/quarter (₹10,000 quarterly spend required)

Qualifying Benefit Pillars

How this debit card classifies across CardIntel's 5 benchmark categories.

Cash & RewardsQUALIFIES

Direct cashback or accelerated points on POS swipes & online retail spends.

Travel & LoungeQUALIFIES

Domestic or international airport executive lounge access and low forex rates.

Lifestyle & Dining

Dining privileges, movie ticket discounts (BookMyShow), and golf/wellness access.

Everyday & FuelQUALIFIES

Fuel surcharge waivers across Indian petrol pumps and UPI QR perks.

Protection & Insurance

Accidental air/road insurance cover, purchase protection, and lost card liability.

100% Bank MITC Source Provenance

CardIntel never quotes third-party affiliate marketing blurbs. All specifications, lounge access rules, and fee structures for Millennia Debit Card are derived directly from HDFC Bank's official bank filings.

Official Documentation URL:https://www.hdfc.bank.in/debit-cards/millennia-debit-card

Open Official Source

CardIntel Score v1.1

71/100

Good

Holding & Account Checklist

Issuing BankHDFC Bank

Card NetworkRuPay

Card TierPlatinum

Annual Fee₹500 + GST

Forex Markup3.5%

Lounge / Qtr1 visit/quarter

Bank MITC Schedule Back to All Debit Cards

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Millennia Debit Card

HDFC Bank • Platinum

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