Features
- Get up to ₹ 6000 Cashback* every year
- 2.5% Cashback points on every ₹ 250 spent on categories like SaaS, education, restaurant, air tickets, etc.
- Get 1% Cashback point on other spends (except government, services, insurance)
*Terms and Conditions Apply
4 Complimentary Lounge Access Annually, based on spends of ₹ 5000 (1 per Calendar Quarter)
To compliment your adventurous expeditions, this card gets you 4 complimentary lounges access annually (once per calendar quarter) at domestic airports across India. For the list of lounges where the offer is valid and conditions.
You will get complimentary lounge benefit only if you spend ₹ 5000 or more in previous calendar quarter. For more information click here
Insurance Cover
The following are included in the insurance cover:
- Death Cover by Air / Road / Rail - Sum Insured up to ₹ 10 lac. Click Here for more details.
- Now get additional International Air Coverage of flat ₹ 1 Crore on purchase of air ticket using your Debit Card. Click Here to Know More.
- Fire & Burglary for the items purchased under Debit Card (upto 90 days) - Sum assured ₹ 200,000. Click Here for more details
- Loss of checked baggage - sum assured ₹ 200,000. Click Here for more details.
- All Debit Card holders are required to use their Debit Card at retail OR on-line stores at least once every 30 days to keep the free Personal Death Insurance cover on their Debit Card active.
- In the event the Insured Person(s) having multiple Cards issued by the Insured named in the Schedule, the Insurance Policy shall be applicable only for the Card, which has the highest POS amount.
- If an account holder has 2 cards on the same account which is eligible for insurance cover- then the lower of the insurance amount offered as a feature on the card will be paid out
Upto 5% Cashback on shopping via SmartBuy
Debit Card- EMI
- Enjoy no cost EMI on leading brands on electronics, furniture, apparels, smart phones and much more
- Convert any purchases above Rs 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
Make Payments More Rewarding with SMARTBUY: Earn Upto 5% Cashback on your Debit Card on transacting through SmartBuy
Contactless Payment: Your GIGA Business Debit Card is contactless. Enjoy safe and quick payments at retail locations.
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 must enter the Debit Card PIN for security reasons.
Unfold something new, every day!
- Daily Domestic ATM withdrawal limits: ₹1 lac
- Daily Domestic Shopping limits: ₹ 5 lacs
- Daily International Shopping limits: ₹ 5 lacs
- Cash withdrawal facility can now be availed across merchant establishments with a maximum upper limit of ₹ 2,000/transaction on your HDFC Bank Debit Cards, maximum Cash at POS limit per month is of ₹ 10,000/-
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
Effective 1st January 2018, Fuel Surcharge would not be applicable for the transactions done on HDFC Bank swipe machines.
You will not have any liability to any fraudulent Point of Sale transactions on the debit card, which take place upto 30 days prior to reporting the card loss. Click Here for more details.
If you lose your Debit Card, call Phonebanking or visit the nearest HDFC Bank branch.
MyCards, a mobile-based service platform for all debit card needs, facilitates convenient activation and management of GIGA Business Debit Card on the go. It ensures a seamless experience without the need for passwords or downloads.
- Debit Card Registration & Activation
- Set up Card PIN
- Manage card controls like online spends, contactless transactions
- Check Reward Points
- Block/Re-issue card
- Cashback Points can be earned for every transaction greater than ₹ 250
- Maximum aggregate Cashback Points per account per month is ₹ 500
- Cashback Points need to be redeemed through NetBanking in multiples of ₹ 250, no maximum capping on redemption subject to availability
- Customer can view the points in NetBanking in 2 working days from the date of transaction
- In case purchase / transaction is returned / cancelled / reversed, Cashback points toward posted towards transactions will be reversed
- Cashback Points 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
- Customer is not eligible for redemption of Cashback points on account closure
- No Cashback points for all other categories apart from the one above
- Cashback Points are earned on eligible Merchant Category Codes (MCC) only
- MCCs are categorised basis the nature of business by card Networks (Visa/ Mastercard/ Rupay)
- Credit Card BillPay transactions made through Debit Card will NOT earn any Cashback points with immediate effect as this is not an eligible category for the same.
Please note:
Incase if an account has two customers with both customers holding a GIGA Business Debit Card each (under the same account number), all eligible transactions done on both cards shall be entitled to receive maximum of 500 Cashback points per month at the account level.
Example: Account A has two cardholders 1 and 2 both holding GIGA Business Debit Card. For all eligible transactions done on Card 1 shall be capped at 500 points per month and Card 2 shall be capped at 500 points per month. Cumulative Cashback at account level shall be capped at 500 Cashback points per month.
How to Redeem?
1. Through NetBanking
Login >> Pay >> Cards >> Debit Cards >> Debit Cards Summary >> Actions >> Redeem Reward Points
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- 70-700-222-22 / 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.