HDFC Debit Cards Compared 2026: Millennia, EasyShop Platinum & More
Quick verdict
For most people, the HDFC Millennia Debit Card (₹500, cashback + 1 lounge/quarter) is the best all-rounder — and free with many salary accounts. Heavy grocery/retail spenders may prefer EasyShop Platinum (₹750, 2 lounge/quarter). Note HDFC’s tighter 2026 lounge spend rules apply to all.
HDFC offers one of the widest debit-card ranges in India, and the right one depends on whether you value cashback, lounge access or low cost. Here is how the main HDFC debit cards compare in 2026, including the new lounge spend rules.
HDFC debit cards at a glance
| Card | Annual fee | Lounge | Best for |
|---|---|---|---|
| Millennia | ~₹500 (free with many salary a/cs) | 1/quarter (4/yr) | Cashback + lounge all-rounder |
| EasyShop Platinum | ~₹750 | 2/quarter | Grocery/retail spenders |
| Times Points / Rewards | Varies | Limited | Shopping rewards |
| MoneyBack | Lower | Limited | Everyday basics |
Fees are indicative; confirm current charges with HDFC.
Which HDFC debit card should you pick?
Most people / salaried: Millennia — cashback on online spends plus a lounge visit each quarter, and often free with a salary account. Big household/retail spenders: EasyShop Platinum for two lounge visits a quarter and grocery/retail cashback. Minimal users: a MoneyBack or basic card keeps costs low. If lounge access is the goal, remember HDFC now requires ₹10,000 spend in the calendar quarter (from 10 January 2026) to unlock the visit.
The 2026 lounge change
From 10 January 2026, HDFC doubled the quarterly spend needed for debit-card lounge access from ₹5,000 to ₹10,000, and moved to a digital voucher system — eligible customers get an SMS/email link with a code/QR to redeem, instead of swiping the card at the lounge. Keep your registered contact details current. Full picture in our debit lounge access guide.
Frequently asked questions
Which HDFC debit card is best?
The Millennia Debit Card is the best all-rounder for most people — cashback plus a quarterly lounge visit, and free with many salary accounts. EasyShop Platinum suits heavy grocery/retail spenders.
Which HDFC debit cards have lounge access?
Millennia (1/quarter) and EasyShop Platinum (2/quarter) are the main ones, but from 10 January 2026 you must spend ₹10,000 in the quarter to unlock access.
Is the HDFC Millennia debit card free?
It carries a ~₹500 annual fee, but is typically free with many HDFC salary accounts. Confirm with your account type.
How do I get HDFC debit lounge access in 2026?
Spend at least ₹10,000 (POS/e-commerce) in the calendar quarter; eligible customers then receive a digital voucher (link + code/QR) to redeem at the lounge.
Sources & references
Based on HDFC Bank debit-card pages and 2026 lounge-rule announcements (effective 10 Jan 2026). Fees and terms change — confirm with HDFC. See our best debit cards and debit lounge access guides.