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

[D₹V]

Charges: 500 + GST.



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.



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.

 

[Shoxie]

Amazon wallet gets the 1%?

Yes it gets the 1% CB

 

[Shroud]

How did you got two cards ? 🙄

Upgraded my easyshop platinum to millennia from net banking.

 

[Abhishek012]

Need advice: I want to pay 30-40k insurance and i have Millenia DC. Considering an Amazon voucher, but it includes GST+2.5%. Any tips on the best way to maximize benefits? Thanks!

Use HDFC millennia DC -

Mobikwik full kyc wallet load (free bank transfer possible),
Slice Wallet load (Use Slice Wallet UPI and pay to any merchant and also get some cashback on fire game after merchant UPI transaction),
Amazon full kyc Wallet load (you can also free transfer to bank),
Omnicard full kyc wallet load (free bank transfer possible).

 

[FinoGuy]

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.

For me they told that they don't have option to check mcc for hdfc debit card txns. Tried twice. How did you get mcc?

 

[FinoGuy]

You'll receive card & after activation of millennia, platinum will be deactivated.

Is the pin generation trick to keep two cards still working?

 

[FinoGuy]

Unknown HDFC Bank Debit Card offer fulfilled 😂
Congrats!
Claim your Rs.350 voucher for using HDFC Bank Debit Card in Oct'23
Unique Voucher code: ********
Go: hdfcbk.io/a/JWwL0mNV
T&C

A small token of appreciation for sr moderator sahb from hdfc bank.

 

[varun__goel_]

Unknown HDFC Bank Debit Card offer fulfilled 😂
Congrats!
Claim your Rs.350 voucher for using HDFC Bank Debit Card in Oct'23
Unique Voucher code: ********
Go: hdfcbk.io/a/JWwL0mNV
T&C

Mere saath anyaaye (अन्याय) ho rha h
Ek bhi offer nhi deta ghada hdfc😂

 

[D₹V]

For me they told that they don't have option to check mcc for hdfc debit card txns. Tried twice. How did you get mcc?

No, I emailed them & waited patiently.

They replied MCC details after 5-7 working days.

 

[D₹V]

Is the pin generation trick to keep two cards still working?

Not really.

One card will be inactive later.

 

[FinoGuy]

No, I emailed them & waited patiently.

They replied MCC details after 5-7 working days.

Can you please share mail id.?

 

[varun__goel_]

Can you please share mail id.?

support@hdfcbank.com . .

 

[D₹V]

Can you please share mail id.?

Emailed via HDFC website.

 

[rounakbhowmik]

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.

https://www.hdfcbank.com/content/bbp/repositories/723fb80a-2dde-42a3-9793-7ae1be57c87f/?path=/Personal/Pay/Cards/Debit%20Card/Debit%20Card%20Landing%20Page/Debit%20Cards/DC%20Charges%20V.17%20%28Revised%29.pdf

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

I have a preferred account with HDFC Bank and was issued a Platinum Debit Card. However, I'm considering switching to a Millennia Debit Card due to its cashback benefits on credit card bill payments. Could you tell me if there are any fees for reissuance or other charges associated with the Millennia Debit Card?

 

[NShah]

I have a preferred account with HDFC Bank and was issued a Platinum Debit Card. However, I'm considering switching to a Millennia Debit Card due to its cashback benefits on credit card bill payments. Could you tell me if there are any fees for reissuance or other charges associated with the Millennia Debit Card?

Free of cost for preferred customers

 

[rounakbhowmik]

Free of cost for preferred customers

However, according to the terms and conditions, re-issuance fees are still applicable. Am i correct?😕

 

[NShah]

View attachment 42080

However, according to the terms and conditions, re-issuance fees are still applicable. Am i correct?😕

 

[rounakbhowmik]

View attachment 42081

Here i am referring re issuance charges.

 

[NShah]

Here i am referring re issuance charges.View attachment 42082

There will be no charges for HNW customer
Go ahead 🙂

 

[OptiCard]

View attachment 42080

However, according to the terms and conditions, re-issuance fees are still applicable. Am i correct?😕

Again it depends on your relationship with bank.

Mostly if you re-issue from branch then you won't be charged (here depends on person to person). If you re-issue from online then 110% it will automatically charge (based on bank terms & conditions).

 

[doraemon]

@D₹V Bhai I want to confirm ki maine Digisave account open karaya hai to millenia DC se Amazon par agar mai 5k amount pe multiple in and out karta hu to kya total 400 points milenge
suppose I did the transaction 5k 8 times on same day i.e 15 Feb when will I get 400 RS pension?