Rewards Debit Card

Your HDFC Bank Rewards Debit Card entitles you to a single card that provides benefits / savings across categories like Grocery, Fuel, Pharmacy, Railways and Online.

• 5% savings on your everyday spends on partner merchants. Enjoy up to 2000 Reward points per month Click here to Know More. On clicking the below.
• Shop with big brands across categories like Grocery, Fuel, Railways, Online & Pharmacy to earn your monthly reward points
       - Online - Smart Buy- One Stop Shop for all your needs https://offers.smartbuy.hdfcbank.com/v1/foryou
       - Pharmacy - Apollo Pharmacy
       - Railway – IRCTC (www.irctc.co.in)
       - PayZapp – All Payments, One App, One Click. (Transactions other than Wallet Load)
       - Online Shopping – Snapdeal
       - Fuel - BPCL (on HDFC Bank terminals)
       - Grocery - Smart Bazaar
• Reward Points are eligible only for the above-mentioned merchant partners 
• To receive Reward Points, the minimum transaction amount should be greater than Rs. 100 
• Cashback points earned will be valid for redemption within the next 12 months after which your Cashback points will lapse.
• All promotional CashBack points earned on your Debit Card will have a validity of 3 months, post which the accumulated points will expire effective February, 2020.
• Customer is not eligible for redemption of cashback points on account closure
• Reward points will be credited within 90 Days from the end of the transaction month
• Cashback points need to be redeemed through Net Banking, a minimum of 250 points needs to be accumulated for redemption. No maximum capping on redemption subject to availability.

• Daily Domestic ATM withdrawal limits: Rs. 50,000 
  
• Daily Domestic Shopping limits: Rs. 3.5 lacs
  
• Cash withdrawal facility can now be availed across merchant establishments with a maximum upper limit of Rs.2,000/ day on your HDFC Bank Debit Cards, maximum Cash at POS limit per month is of Rs. 10,000/-
  

Dynamic Limits: 
Please login to NetBanking to change (increase or decrease) the limit on your Debit Card to suit your needs. Please note the limits can be increased up to the Permissible limits on your Debit Card. 
For Security reasons, ATM cash withdrawal limit is capped at ₹ 0.5 Lakhs per day and ₹ 10 Lakhs per month for first 6 months from Account opening date.  For accounts older than 6 months, ATM cash withdrawal limit is capped at ₹ 2 Lakhs per day and ₹ 10 Lakhs per month. This is implemented with immediate effect.​​​​​​​ 
​​​​​​​In case your Debit Card is enabled for ATM and POS usage but still you are facing issues while doing transactions, please click here for FAQs.

• Personal Accidental Death cover for accident by Air / Road / Rail – Sum insured of Rs 5. Lakhs know more​​​​​​​ Click here. 
• You also get additional International Air Coverage of flat Rs. 25 Lakhs on purchase of air ticket using your Debit Card. (For International Air Tickets booked using HDFC Bank Rewards Debit Card.). Click here to Know More. 
• All Debit Card holders are required to use their Debit Card at retail OR online stores at least once every 30 days to keep the free Personal Death Insurance cover active. 

Zero Liability 

• You will not have any liability to any fraudulent Point of Sale transactions on the debit card, which take place up to 90 days prior to reporting the card loss. Click here for more details. 

The HDFC Bank Debit Card is enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets. 
To see if your Card is contactless, look for the contactless network symbol on your Card. You can use your Card to make quick transactions at merchant locations accepting contactless Cards. 
 
Information on Contactless Debit Card - Click Here 

Please note that in India, payment through contactless mode is allowed for a maximum of ₹5000 for a single transaction where you are not asked to input your Debit Card PIN. However, if the amount is higher than or equal to ₹5000, the Card holder has to enter the Debit Card PIN for security reasons. 

Effective 1st January 2018, Fuel Surcharge would not be applicable for the transactions done on HDFC Bank swipe machines on government petrol outlets (HPCL/IOCL/BPCL). 

Earn upto 5% Cashback on your Debit Card on transacting through PayZapp & SmartBuy Click here

Click here for exciting offers available on your HDFC Bank Debit Card 

• Enjoy no cost EMI on leading brands on electronics, furniture, apparels, smart phones and much more
  
• Convert any purchases above ₹ 5000/- into EMI
  
• To check pre - approved eligible amount on your Debit Card, SMS "MYHDFC" to 5676712 from your Bank Registered mobile number For detailed offers & T&C's please visit: hdfcbank.com/easyemi 

As per RBI guidelines RBI/2019-2020/142 DPSS.CO.PD No. 1343/02.14.003/2019-20 dated 15th January 2020, all Debit Cards issued effective 1st Oct' 2020, are or will be enabled only for Domestic usage (PoS & ATM) and disabled for Domestic (E-commerce & contactless) and International usage. This is to improve user convenience and increase the security of card transactions.

You can enable or modify Domestic & International transactions limits on ATM / PoS / E-commerce / Contactless please visit MyCards / NetBanking / Mobile Banking / WhatsApp Banking- 7070066666 / Ask Eva / Call Toll-free Number 1800 1600 / 1800 2600  (from 8 am to 8 pm) Customers travelling overseas can reach us at 022-61606160.