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HDFC Bank Millennia Debit Card & It's Benefits ❤️🔥

Apply For Lifetime Free IDFC First Credit Card
D₹V

D₹V

TF Prestige
Charges: 500 + GST.

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Benefits:
• 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.

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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.
• If you use Millennia DC for 40k CC 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 ❤️. Ask if any query.
 
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Debit card charges are waived off for premium banking (Classic/Preferred/Imperia) so even if you get Platinum card with Classic or preferred account you won't get charged DC fees then you can upgrade to Millennia DC without any fee as long as you are premium banking program, this is not a bug rather than official hdfc t&c you can find here.


I've opened HDFC 10k account back in days and they gave me Platinum DC and charged me 750+gst them my account got upgraded to Preferred. I upgraded to Millennia from app and no DC charges levied for Millennia dc then again I upgraded back to Platinum and no DC charges. I opened Classic account for my wife and they gave her Platinum dc and no charges levied then I linked her account with me for family banking and she is preferred account now then I upgraded to Millennia dc and no charges again. I hope this helps to those who are having this question.

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doraemon said:
I have payzapp in which there is an offer of 250 Amazon gift card on opening account through it
What if I open account online through branch kyc for my mother
Will I get voucher?
Or is it for vkyc account?
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doraemon said:
Will I get voucher
Click to expand...
Yes, you'll get the voucher of 250₹ in 90 working days. If not, keep screenshot & do complaint in bank. They'll credit voucher manually. That's what happened in my case.
doraemon said:
Or is it for vkyc account
Click to expand...
Yes, I didn't do VKYC but uploaded just a selfie in PDF file, which went smoothly.

But you might need to do VKYC.

Use Google Docs to create PDF for free.
 
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Bhanu Agarwal said:
Nope.
As its need documents like if you can maintain 25k (they checks salary slip).
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No didn't ask any details
varun__goel_ said:
Try during business hours, else branch is the only option.
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I tried doing it on non business hours and successfully changed to savings max. Only thing is it took next day to approve my request to change the varient
varun__goel_ said:
Upgrade your account by using this link
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Thanks for the link
 
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timva said:
Hey @D₹V If we directly pay CC bill on Paytm (not loading wallet) via Millennia DC, you've mentioned we get 1% but then why do some members on the forum claim that we get 2.5%??
I don't have this card RN that's why asking....
Click to expand...
I paid 10k worth bill using Paytm recently & inquired about MCC.

And fortunately, the MCC - 6051 for credit card bill payments is eligible for cashback i.e. isn't in exclusion list.

There's no specification of MCC for 2.5% or 1%.

So can't say surely about how much cashback we will get but we will get cashback surely.

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Yesterday, I received my Platinum debit card and soon after receiving it, I applied for Millennia DC from net banking. I received a "success" pop up on the portal. But no further communication received by me, also platinum still shows as "active"
(I didn't even set a pin for platinum dc)
Am I doing something wrong?
 
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timva said:
Yesterday, I received my Platinum debit card and soon after receiving it, I applied for Millennia DC from net banking. I received a "success" pop up on the portal. But no further communication received by me, also platinum still shows as "active"
(I didn't even set a pin for platinum dc)
Am I doing something wrong?
Click to expand...
You'll receive card & after activation of millennia, platinum will be deactivated.
 
Upvote 0 Downvote
samm255 said:
Debit card charges are waived off for premium banking (Classic/Preferred/Imperia) so even if you get Platinum card with Classic or preferred account you won't get charged DC fees then you can upgrade to Millennia DC without any fee as long as you are premium banking program, this is not a bug rather than official hdfc t&c you can find here.


I've opened HDFC 10k account back in days and they gave me Platinum DC and charged me 750+gst them my account got upgraded to Preferred. I upgraded to Millennia from app and no DC charges levied for Millennia dc then again I upgraded back to Platinum and no DC charges. I opened Classic account for my wife and they gave her Platinum dc and no charges levied then I linked her account with me for family banking and she is preferred account now then I upgraded to Millennia dc and no charges again. I hope this helps to those who are having this question.

View attachment 41515
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I hold a Premium Salary account with HDFC. In the initial kit, Had received a Visa Platinum DC with No charges.
If we replace with the Millennia DC, would it be a Chargeable or Free ?

Plz suggest. (Reason to replace: I am unable to get CB on Billpay for BOB, Indus, SBI CC bills with this DC)
 
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Prarthit said:
Among the two salary account variants (Basic & Premium); I have the Premium Salary account. That's only I know.
Classic/Preferred/Imperia are the Savings account variants no Afaik ?
Click to expand...
Then I think you are not part of Premium banking program. You have account type like Regular 10k and Saving Max 25k savings account type, in your case it is Basic and Premium. When you get upgraded to Premium banking program then all DCs are free. Check with customer care for salary account as I think any DC is free for Salary account but I have saving account not salary so can't tell for sure.
 
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