ATM

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.

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 enquiry
• Transfer funds
• Change your PIN
• Request a cheque book or account statement
• Request product information
• Pay your utility bills

You can only withdraw to the extent of the balance in the account.

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.

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.

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.

You can use the following cards at our ATMs:

1. American Express

• Charge/Credit Cards

2. 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)

3. 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.

No. Your HDFC Bank ATM Card can only be used at our ATMs.

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.

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 enquiry)
• 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

For doing an ATM transaction, two things are required; an ATM/Debit Card and a PIN, which is known only to the customer.

In case your ATM /Debit card is lost/stolen, any transactions taking place using the card on an ATM is the result of you compromising your PIN which should have been known only to you and no other person. Thus in such a scenario you are liable for the loss incurred due to the transaction happening on the ATM.

However, there is 'Zero Liability' applicable for Debit cards only on fraudulent Point of Sale Transactions and not ATM transactions. To know more click here.

In case your card is lost / stolen, as first step you need to block your card in order to avoid any fraudulent transaction happening from your account.

For blocking your card you need to either

• Call up your local HDFC Bank PhoneBanking Number
  
  Or
• Log onto HDFC Bank NetBanking and block the card using the option of 'Hotlisting' under 'Debit Cards'
  
  Or
• Visit your nearest HDFC Bank Branch.

You are requested to either

• Log a complain with the local HDFC Bank PhoneBanking Number
  
  Or
• Visit your nearest HDFC Bank Branch. You can request for your card to be delivered either at the mailing address which you have given to the Bank or at the nearest branch where you will have to collect the same in person.

In case your HDFC Bank card gets captured inside any other Bank's ATM machine you are requested to block your card immediately by either

• Calling up the local HDFC Bank PhoneBanking Number
  
  Or
• Visiting your nearest HDFC Bank Branch.

You can place the request for regeneration of ATM PIN either

• Calling up the local HDFC Bank PhoneBanking Number
  
  Or
• Visiting your nearest HDFC Bank Branch.

Basis on your request the ATM PIN will be either dispatched to your recorded mailing address or to the nearest branch from where you can collect the same in person.

You will be charged Rs.25/-(exclusive of taxes) towards regeneration of the ATM PIN.

You are requested to log a complain either

• With the local HDFC Bank PhoneBanking Number who will guide you on the next steps
  
  Or
• Visit the nearest HDFC Bank branch.

You will be receiving the credit within 12 working days from the time of you raising the complaint.