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FAQs |
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If you have any queries that are not answered here, please call us or
write to us.
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Is an ATM Card like a Credit Card?
No, an ATM Card is different from a Credit Card. Using your ATM Card, you can access your account and carry out most of your banking transactions, round the clock. But you cannot shop with your ATM Card.
Also, unlike a Credit Card, your ATM Card prevents you from over-extending yourself by permitting you to withdraw cash only as long as there is money in your account.
Finally, if you withdraw cash using a Credit Card, you will be charged a service fee, whereas using an ATM Card does not attract any charges.
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What transactions can I perform using my ATM Card?
You can carry out the following transactions at all our ATMs across the country:
- Withdraw cash
- Deposit a cheque or cash
- Request a mini-statement
- Make a balance inquiry
- Transfer funds
- Change your PIN
- Request a cheque book or account statement
- Request product information
- Pay your utility bills
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Do I have to maintain any minimum balance in the account for using the card?
You can only withdraw to the extent of the balance in the account.
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What does "valid till 01/01" on my card mean?
This means that your ATM Card is valid until January 2001. The first two numbers indicate the month and the next two the year till which your card is valid.
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How can I use the "Funds Transfer" option at the ATM?
In order to use the Funds Transfer option, you must have more than one Savings (single, either or survivor) or sole proprietorship Current Account with the bank. You need to make a request at any of our branches or on PhoneBanking to link your accounts to your card. Once the accounts are linked to your ATM Card, you can use the Funds Transfer option.
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Will there be a charge?
HDFC Bank does not charge on its customers who maintain the required AQB or on other bank customers for using their ATM. For customers of HDFC Bank who have not maintained the required AQB in the previous Quarter, all inter-city cash transactions will be levied Rs 1.50 per Rs 1000, minimum Rs 25.
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Which cards can be used at your ATMs?
You can use the following cards at our ATMs:
- American Express
Charge/Credit Cards
- Cirrus
MasterCard Credit Cards - Domestic/International (of domestic, currently only Citibank, Standard Chartered and ANZ MasterCard Credit Cards can be used at our ATMs)
Cirrus ATM Cards - Domestic/International
Maestro Debit Cards - Domestic/International (of domestic Cirrus/Maestro Cards, currently only Citibank Maestro/Cirrus Cards can be used at our ATMs)
- Plus
VISA Credit Cards - Domestic/International (of domestic, currently only Citibank, Standard Chartered, HSBC and ANZ can be used at our ATMs)
Plus ATM Cards - Domestic/International
VISA Electron Debit Cards - Domestic/International
Note : All cards which can be used at our ATMs will need to have a Personal Identification Number (confidential code) for ATM access. This is issued by the bank issuing the card.
Limits and parameters are set by the card issuing banks regarding amount of cash withdrawal, withdrawal limit, number of PIN log-in attempts, transaction set allowed and declines.
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Can I use the HDFC Bank ATM Card at Citibank/Standard Chartered/Other Bank's ATMs?
No. Your HDFC Bank ATM Card can only be used at our ATMs.
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What is the cash withdrawal/cash advance limit for me?
HDFC Bank customers can withdraw up to Rs.10,000/- per day. For non-HDFC Bank customers, the limit is as decided by the bank issuing the card.
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How do I use my ATM?
To use the HDFC Bank ATM, just follow these easy steps:
- Insert your card into the slot provided.
- Select the language in which you want to be led through the transactions. Most ATMs offer you the options of conducting your transactions in English and Hindi. At some locations, you will be able to select between English and the regional language.
- At the prompt, enter your PIN. Press the "Enter" key.
- Select the transaction you wish to conduct (eg: withdrawal/ balance inquiry).
- Select the account type. If you are using a Credit Card, select the "Credit" option.
- If you are making a withdrawal, enter the amount you wish to receive.
- Confirm that the amount is correct.
- Collect your cash, card and receipt.
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