Features
A card that offers cashback on your daily purchases like fuel and grocery. It also offers insurance, and fuel surcharge waiver.
Cashback - 1% Cashback on every ₹ 100 spent on Fuel, Apparels, Insurance, Education & Grocery (Max Cashback - Rs 250/- per month per card)
Please click here to check for eligible MCC's for Cashback:
Terms and Conditions:
- Cashback Points can be earned for each transaction greater than ₹100
- Maximum aggregate Cashback points per card per month is ₹ 250
- Cashback points need to be redeemed through NetBanking in multiples of 250
- Customer can view the points in Netbanking in 2 working days from the date of transaction
- Product feature Cashback Points will be valid for redemption within the next 12 months after which your Cashback Points will lapse.
- Cashback will be reversed in case the purchase transaction gets reversed / cancelled
- Insurance features can be availed only if the card is used for shopping at least once in last 30 days
- All Promotional 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
- No maximum capping on redemption subject to availability
How to Redeem Cashback Points?
Through NetBanking
Login >> Pay >> Cards >> Debit Cards >> Debit Cards Summary >> Actions >> Redeem Reward Points
- Daily Domestic ATM withdrawal limits: ₹ 25,000
- Daily Domestic Shopping limits: ₹ 3 lacs
- Cash withdrawal facility can now be availed across merchant establishments with a maximum upper limit of ₹2,000/ day 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.
- Dynamic Limits:
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.
Insurance Cover with Fire & Burglary Protection and Checked Baggage Insurance
Insurance Cover with Fire & Burglary Protection and Checked Baggage InsuranceWith our cards, care comes naturally.
The following are included in the insurance covers:
- Accelerated Personal Accident Death Cover of up to ₹ 15 lakhs.
- You are entitled to a Base Personal Accident Death Cover by Air/Road/Rail for a sum assured of ₹ 5 lakh.
- Additionally, you are also eligible for an Accelerated Personal Accident Death Cover up to a maximum of ₹ 5 lakh, subject to minimum transactions at merchant locations / online. Click here to know more.
- Effective 1st July 2014, 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.
- For Managed Customers (Imperia, Preferred and Classic Customers) the sum insured is up to ₹ 12 Lacs
- 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
Fire & Burglary Protection of ₹ 200,000 You are insured for the items purchased using Debit Card (upto 6 months) - Sum assured ₹ 200,000. Click here for more details.
Checked Baggage Insurance Sum of ₹ 2 lakh
Applies if the insured person is travelling on tour and / or on holidays to location Outside India, to the intrinsic value of the accompanied personal baggage belonging to the card holder, so lost because of fire, theft, burglary and accident of travelling vehicle. Click here for more details.
Zero Liability - You will not have any liability to any fraudulent Point of Sale transactions on the Debit Card, which take place upto 90 days prior to reporting the card loss. Click here
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 Sum Insured / limit of Indemnity
To know about consolidated insurance Features on HDFC Bank Debit Cards: Click Here
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).
- 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- 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.