HDFC Bank Millennia Debit Card - Overview, Eligibility, Fees and Documents Required

HDFC Bank Millennia Debit Card Overview

HDFC Bank Millennia Debit Card features a sleek and minimalist design with a blue background. Unlike conventional debit cards, the card number and expiry date are printed on the back having a unique appearance. However, some users may find that it lacks a premium feel. HDFC Bank Millennia Debit Card also supports contactless transactions up to Rs.5000 per transaction.

HDFC Bank Millennia Debit Card offers various advantages like better cashback on online purchases, free access to airport lounges, insurance coverage and higher ATM withdrawal limits.

HDFC Bank Millennia Debit Card Airport Lounge Access

HDFC Bank Millennia Debit Card Key Features

• Higher withdrawal and shopping limits
• Card is enabled for international transactions
• 4 Complimentary Domestic Airport Lounge access annually
• Free Personal Accidental Death Insurance Cover of up to Rs.10 lakhs
• Your fuel transactions made using the InterMiles HDFC Signature Debit Card will be exempt from the fuel surcharge

HDFC Bank Millennia Debit Card ATM Withdrawal Limits & Shopping Limits

HDFC Bank Millennia Debit Card Eligibility Criteria

Both Residents and NREs can apply. Resident Indians should hold any one account with HDFC Bank among Savings Account, Current Account, SuperSaver Account, Loan against Shares Account (LAS), Salary Account Individual Account Holders (Savings Account, Corporate Salary Accounts & Senior Citizens). Existing eligible customers can also upgrade the accounts to apply for this card.

HDFC Bank Millennia Debit Card Fees and Charges

• Annual Fee: Rs. 500 + applicable taxes (Annual fee is waived off for Classic, Preferred and Imperia customers)
• Charges on usage at domestic PoS/Ecom Transactions: Nil
• Replacement/Reissuance Charges for Debit Cards: Rs. 200 + applicable taxes
• Instant Pin Generation (Set up your own PIN using NetBanking and MobileBanking): Free
• ATM PIN generation: Free
• Decline charges for insufficient balances: Rs. 25 + applicable taxes
• Cross-currency mark-up charges on foreign currency transactions: 3.5% + applicable taxes

HDFC Bank Millennia Debit Card Benefits

• Get up to Rs.4800 CashBack every year
• 5% CashBack points on shopping via PayZapp and SmartBuy
• 2.5% CashBack points on all online Spends
• 1% CashBack points on all offline spends and Wallet reloads
• CashBack Points can be earned for every transaction greater than Rs. 400
• Maximum aggregate CashBack Points per card per month is 400
• CashBack Points need to be redeemed through NetBanking in mulitples of 400

HDFC Bank Millennia Debit Card Complimentary Airport Lounge Access

Enjoy 4 free domestic airport lounge access annually.

HDFC Bank Millennia Debit Card Insurance Cover

• Free Personal Accidental Death Insurance Cover of up to Rs. 10 lakhs
• Accelerated Personal Accident Death Cover of up to Rs. 10 lakhs. You are entitled to a Base Personal Accident Death Cover by Air/Road/Rail for a sum assured of Rs. 5 lakh. Additionally, you are also eligible for an Accelerated Personal Accident Death Cover up to a maximum of Rs. 5 lakh, subject to minimum transactions at merchant locations / online
• Get additional International Air Coverage of flat Rs.1 Crore on purchase of air ticket using your Debit Card
• You are insured for the items purchased using Debit Card (upto 6 months): Sum assured Rs. 200,000 Checked Baggage Insurance Sum of Rs. 2 lakhs
• Zero Liability: You will not have any liability to any fraudulent Point of Sale transactions on the debit card, which take place upto 90 days prior to reporting the card loss

HDFC Bank Millennia Debit Card Document Required

• Proof of Identity : Aadhaar Card/ PAN Card/ Passport Driving License/ Voter ID Card
• Proof of Address : Aadhaar Card/ Driving License/ Ration Card/ Voter ID Card/ Passport
• Passport sized photographs

HDFC Bank Millennia Debit Card Other Advantages

• Fuel Surcharge would not be applicable for the transactions done on HDFC Bank swipe machines at government petrol outlets (HPCL/ IOCL/ BPCL)
• Chip+PIN card activated for International & Domestic Usage

HDFC Bank Millennia Debit Card: Protection Cover

How to Block HDFC Bank Millennia Debit Card?

To block HDFC debit card, you have several options:

• Call Phone Banking numbers 1800 1600 / 1800 2600 (accessible across India). Customers from abroad can reach HDFC Bank on +9122 61606160 to reach its Customer Service Executive, who will assist you in blocking your card.
• Send an SMS: Type 'Block DC <Last 4 digit of your Debit Card number>' and send it to 7308080808.
• Access Internet Banking: Log in to your Internet Banking account and navigate to the Card Section and then select Debit Card on the left-hand side. Click on Requests -> Debit Card Hotlisting -> reason -> mention remarks -> confirm to initiate the blocking process.
• Utilize HDFC Mobile App: Log in to the HDFC Mobile App using your pin or fingerprint (if enabled), where you can access the necessary features to block your card. Click on Menu -> Pay -> Cards. This will show details of the debit card/s linked to your account. Click on the Debit Card number you wish to hotlist and also select the reason for hotlisting and then block the card

With these convenient methods at your disposal, you can quickly block your HDFC Bank card and ensure the security of your finances.

What is EMV-Chip Based Debit Card?

EMV stands for Europay MasterCard and Visa, who developed this technology. EMV-chip based debit cards are the debit cards which have embedded microprocessor chip that stores and protects cardholders' information/ data. It uses enhanced security features to protect the important date of the card holders and discourages card's unauthorized usage.

EMV-chip based debit card generates fresh user data every time the user transacts. Therefore, it is impossible for hackers/ fraudsters to steal the information or copy the original data from any card. Further, EMV technology uses your debit card as well as PIN to complete any transaction.

The Reserve Bank of India (RBI) has asked all banks in the country to replace magnetic-strip debit/ credit cards with EMV-chip based cards by 31 December 2018 as magnetic cards are quite vulnerable to skimming. Banks have already replaced the existing magnetic strip debit/ credit cards with latest EMV chip cards. Banks will provide it free of cost.