{"id":16528,"date":"2025-03-03T16:32:49","date_gmt":"2025-03-03T11:02:49","guid":{"rendered":"https:\/\/fly.finance\/blog\/?p=16528"},"modified":"2025-03-03T16:32:51","modified_gmt":"2025-03-03T11:02:51","slug":"hdfc-millennia-debit-card-international-transaction-charges","status":"publish","type":"post","link":"https:\/\/fly.finance\/blog\/student-account\/debit-cards\/hdfc-millennia-debit-card-international-transaction-charges\/","title":{"rendered":"HDFC Millennia Debit Card International Transaction Charges"},"content":{"rendered":"\n<p>The <strong>HDFC Millennia Debit Card<\/strong> is designed for modern consumers who frequently make domestic and international transactions. It offers a range of benefits, including secure payments and easy access to funds while traveling abroad.<\/p>\n\n\n\n<p>However, users should be aware of <strong>HDFC Millennia Debit Card international transaction charges<\/strong> before using it overseas. These charges apply to foreign currency purchases, ATM withdrawals, and currency conversions, impacting the total cost of transactions.<\/p>\n\n\n\n<div class=\"wp-block-yoast-seo-table-of-contents yoast-table-of-contents\"><h2 id=\"table-of-contents\">Table of contents<\/h2><ul><li><a href=\"#h-hdfc-millennia-debit-card-international-transaction-charges\" data-level=\"2\">HDFC Millennia Debit Card International Transaction Charges<\/a><ul><li><a href=\"#h-foreign-currency-transactions\" data-level=\"3\">Foreign Currency Transactions<\/a><\/li><li><a href=\"#h-atm-usage-outside-india\" data-level=\"3\">ATM Usage Outside India<\/a><\/li><li><a href=\"#h-exchange-rate-for-foreign-currency-transactions\" data-level=\"3\">Exchange Rate for Foreign Currency Transactions<\/a><\/li><\/ul><\/li><li><a href=\"#h-other-charges-on-hdfc-millennia-debit-card\" data-level=\"2\">Other Charges on HDFC Millennia Debit Card<\/a><\/li><li><a href=\"#h-faqs\" data-level=\"2\">FAQs<\/a><\/li><\/ul><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-hdfc-millennia-debit-card-international-transaction-charges\"><span id=\"hdfc-millennia-debit-card-international-transaction-charges\">HDFC Millennia Debit Card International Transaction Charges<\/span><\/h2>\n\n\n\n<p>The HDFC Bank Millennia Debit Card comes with specific charges for international transactions, which are important to keep in mind while using the card abroad. These include foreign transaction charges, ATM usage charges, and exchange rate charges.&nbsp;<\/p>\n\n\n\n<p>These charges apply to any international transaction made with the card, whether it\u2019s a purchase at a foreign merchant or an ATM withdrawal abroad. The taxes applicable to the charges can vary based on the country or region where the transaction takes place.<\/p>\n\n\n\n<p>However, students can use <a href=\"https:\/\/fly.finance\/blog\/money-transfer\/forex-card\/hdfc-forex-cards\/\"><strong>HDFC Forex cards<\/strong><\/a> that come with lower charges. This helps in the efficient management of money abroad.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-foreign-currency-transactions\"><span id=\"foreign-currency-transactions\">Foreign Currency Transactions<\/span><\/h3>\n\n\n\n<p><strong>Foreign Transaction Fee:<\/strong> 3.5% of the transaction amount + applicable taxes.<\/p>\n\n\n\n<p>Whenever you make a purchase in a foreign currency or make payments to international merchants, a foreign transaction fee of 3.5% will be added to the total amount. Additionally, applicable taxes will be levied on this fee. To avoid such charges, you can use <a href=\"https:\/\/fly.finance\/blog\/money-transfer\/zero-forex-markup-credit-card\/\"><strong>Zero Forex Markup credit cards<\/strong><\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-atm-usage-outside-india\"><span id=\"atm-usage-outside-india\">ATM Usage Outside India<\/span><\/h3>\n\n\n\n<p>If you use your HDFC Bank Millennia Debit Card at an ATM outside India to either check your balance or withdraw cash, you will incur the following charges. Check out the ATM charges on HDFC Millennia debit card abroad-<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Balance Enquiry:<\/strong> \u20b925 + applicable taxes<\/li>\n\n\n\n<li><strong>Cash Withdrawal:<\/strong> \u20b9125 + applicable taxes<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-exchange-rate-for-foreign-currency-transactions\"><span id=\"exchange-rate-for-foreign-currency-transactions\">Exchange Rate for Foreign Currency Transactions<\/span><\/h3>\n\n\n\n<p>HDFC Millennia Debit Card foreign currency transactions are processed at the VISA\/MasterCard wholesale exchange rate at the time of the transaction or merchant settlement.<\/p>\n\n\n\n<p>This means that the conversion rate used will be the rate at which VISA or MasterCard exchanges currencies, which may differ slightly from the retail exchange rate you see at currency exchanges.<\/p>\n\n\n\n<p class=\"has-pale-ocean-gradient-background has-background\"><strong>Also Read: Get answers to all your queries related to HDFC Forex Card and <\/strong><a href=\"https:\/\/fly.finance\/blog\/money-transfer\/forex-card\/how-to-check-hdfc-forex-card-balance\/\"><strong>how to check HDFC Forex Card balance<\/strong><\/a><strong> for simplified international travel and financial transactions.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-other-charges-on-hdfc-millennia-debit-card\"><span id=\"other-charges-on-hdfc-millennia-debit-card\">Other Charges on HDFC Millennia Debit Card<\/span><\/h2>\n\n\n\n<p>The HDFC Millennia Debit Card is free to use for purchases at merchant locations or HDFC Bank ATMs. However, in line with industry practices, transaction charges may apply at railway stations and petrol pumps.<\/p>\n\n\n\n<p>Here are other kinds of charges applicable on HDFC Millennia Debit Card-<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Charges<\/strong><\/td><td><strong>Amount<\/strong><\/td><\/tr><tr><td>Annual Fees<\/td><td>INR 500 + applicable taxes as per the card<\/td><\/tr><tr><td>Replacement\/ Reissuance Fees<\/td><td>INR 200 + applicable taxes for debit card replacement or re-issuance<\/td><\/tr><tr><td>Charge Slip Retrieval<\/td><td>INR 100 per request<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>This was all about the HDFC Millennia Debit Card international transaction charges. While the HDFC Millennia Debit Card offers convenience for international transactions, it&#8217;s important to remember these charges before making overseas purchases or using ATMs abroad.\u00a0<\/p>\n\n\n\n<p>Being aware of the foreign currency transaction fees, ATM charges, and exchange rates can help you manage your expenses more effectively while travelling or shopping internationally.<\/p>\n\n\n\n<p>To learn more about <a href=\"https:\/\/fly.finance\/loans\"><strong>education loans<\/strong><\/a>, the best <a href=\"https:\/\/fly.finance\/international-bank-account\"><strong>bank accounts for students<\/strong><\/a>, <a href=\"https:\/\/fly.finance\/forex\"><strong>forex,<\/strong><\/a> banking experience for global students, or international money transfers, reach out to our experts at 1800572126 to help ease your experience with studying abroad.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-faqs\"><span id=\"faqs\">FAQs<\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1734518845875\"><strong class=\"schema-faq-question\">What are the international transaction charges for the Millennia Debit Card?<\/strong> <p class=\"schema-faq-answer\">The card incurs a 3.5% foreign transaction fee on purchases made in foreign currencies, plus applicable taxes.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1734518846887\"><strong class=\"schema-faq-question\">What is the cash withdrawal limit for international ATMs?<\/strong> <p class=\"schema-faq-answer\">You can withdraw up to INR 50,000 per day from international ATMs using the HDFC Millennia Debit Card.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1734518847483\"><strong class=\"schema-faq-question\">Are there charges for balance inquiries at international ATMs?<\/strong> <p class=\"schema-faq-answer\">Yes, checking your balance at an international ATM incurs a fee of INR 25, plus applicable taxes.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1734518879763\"><strong class=\"schema-faq-question\">How much can I spend on POS transactions internationally?<\/strong> <p class=\"schema-faq-answer\">The Millennia Debit Card allows international POS transactions up to INR 1 lakh per day.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1734518880458\"><strong class=\"schema-faq-question\">Is there a fee for using the card at railway stations or petrol pumps?<\/strong> <p class=\"schema-faq-answer\">Yes, transaction charges may apply at railway stations and petrol pumps as per industry practices.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1734518881029\"><strong class=\"schema-faq-question\">What happens if I lose my debit card while travelling abroad?<\/strong> <p class=\"schema-faq-answer\">You should immediately report the loss to HDFC Bank&#8217;s customer service to block the card and prevent unauthorized transactions.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1734518923380\"><strong class=\"schema-faq-question\">Can I use my Millennia Debit Card for online shopping internationally?<\/strong> <p class=\"schema-faq-answer\">Yes, you can use the card for secure online transactions with international merchants, subject to foreign transaction fees.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1734518923999\"><strong class=\"schema-faq-question\">What are the annual fees for the HDFC Millennia Debit Card?<\/strong> <p class=\"schema-faq-answer\">The annual fee for the card is INR 500, plus applicable taxes.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1734518925098\"><strong class=\"schema-faq-question\">Are there any free transactions allowed at HDFC Bank ATMs?<\/strong> <p class=\"schema-faq-answer\">Yes, you can make up to five free transactions per month at HDFC Bank ATMs.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1734518925674\"><strong class=\"schema-faq-question\">How is the exchange rate determined for foreign currency transactions?<\/strong> <p class=\"schema-faq-answer\">The exchange rate applied is the VISA\/MasterCard wholesale exchange rate at the time of the transaction or merchant settlement.<\/p> <\/div> <\/div>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-pale-ocean-gradient-background has-background has-fixed-layout\"><tbody><tr><td colspan=\"2\"><strong>Additional Reads<\/strong><\/td><\/tr><tr><td><a href=\"https:\/\/fly.finance\/blog\/student-account\/debit-card-for-students-under-18\/\"><strong>Debit Cards for Students Under 18<\/strong><\/a><\/td><td><a href=\"https:\/\/fly.finance\/blog\/student-account\/debit-cards\/sbi-platinum-international-debit-card-features-benefits-charges\/\"><strong>SBI Platinum International Debit Card<\/strong><\/a><\/td><\/tr><tr><td><a href=\"https:\/\/fly.finance\/blog\/money-transfer\/zero-forex-markup-credit-card\/\"><strong>Zero Forex Markup Credit Card<\/strong><\/a><\/td><td><a href=\"https:\/\/fly.finance\/blog\/money-transfer\/best-forex-cards-for-students\/\"><strong>Best Forex Cards for Students<\/strong><\/a><\/td><\/tr><tr><td><a href=\"https:\/\/fly.finance\/blog\/money-transfer\/best-forex-cards-for-students-in-the-uk\/\"><strong>Best Forex Cards for Indian Students in the UK<\/strong><\/a><\/td><td><a href=\"https:\/\/fly.finance\/blog\/money-transfer\/faqs-on-forex-prepaid-cards-for-students\/\"><strong>FAQs on Forex Prepaid Cards for Students<\/strong><\/a><\/td><\/tr><tr><td><a href=\"https:\/\/fly.finance\/blog\/money-transfer\/forex-card-vs-international-debit-card\/\"><strong>Forex Card Vs International Debit Card<\/strong><\/a><\/td><td><a href=\"https:\/\/fly.finance\/blog\/student-account\/capital-one-student-card\/\"><strong>Capital One Bank on Student Credit Cards<\/strong><\/a><\/td><\/tr><tr><td><a href=\"https:\/\/fly.finance\/blog\/money-transfer\/wire-transfer-vs-forex-card\/\"><strong>Wire Transfers vs Forex Cards<\/strong><\/a><\/td><td><a href=\"https:\/\/fly.finance\/blog\/money-transfer\/union-bank-of-india-forex\/\"><strong>Union Bank of India Forex<\/strong><\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Follow Us on Social Media<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-social-links is-layout-flex wp-block-social-links-is-layout-flex\"><li class=\"wp-social-link wp-social-link-instagram  wp-block-social-link\"><a href=\"https:\/\/instagram.com\/flydotfinance\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12,4.622c2.403,0,2.688,0.009,3.637,0.052c0.877,0.04,1.354,0.187,1.671,0.31c0.42,0.163,0.72,0.358,1.035,0.673 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c7.547,0,11.675-6.252,11.675-11.675c0-0.178-0.004-0.355-0.012-0.531C20.985,7.47,21.68,6.747,22.23,5.924z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">Twitter<\/span><\/a><\/li>\n\n<li class=\"wp-social-link wp-social-link-facebook  wp-block-social-link\"><a href=\"https:\/\/www.facebook.com\/Flydotfinance\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 2C6.5 2 2 6.5 2 12c0 5 3.7 9.1 8.4 9.9v-7H7.9V12h2.5V9.8c0-2.5 1.5-3.9 3.8-3.9 1.1 0 2.2.2 2.2.2v2.5h-1.3c-1.2 0-1.6.8-1.6 1.6V12h2.8l-.4 2.9h-2.3v7C18.3 21.1 22 17 22 12c0-5.5-4.5-10-10-10z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">Facebook<\/span><\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>The HDFC Millennia Debit Card is designed for modern consumers who frequently make domestic and international transactions. It offers a range of benefits, including secure payments and easy access to funds while traveling abroad. However, users should be aware of HDFC Millennia Debit Card international transaction charges before using it overseas. These charges apply to &#8230; <a title=\"HDFC Millennia Debit Card International Transaction Charges\" class=\"read-more\" href=\"https:\/\/fly.finance\/blog\/student-account\/debit-cards\/hdfc-millennia-debit-card-international-transaction-charges\/\" aria-label=\"Read more about HDFC Millennia Debit Card International Transaction Charges\">Read more<\/a><\/p>\n","protected":false},"author":29,"featured_media":16530,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[298],"tags":[],"class_list":["post-16528","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-debit-cards"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>HDFC Millennia Debit Card International Transaction Charges<\/title>\n<meta name=\"description\" content=\"Learn about HDFC Millennia Debit Card&#039;s international transaction charges and fees. 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