• You will get 5 CashBack point on every Rs. 100 spent on all tax payments and 1 CashBack point on every Rs. 100 spent on Telecom, Utilities, Groceries & Supermarket, Restaurant & Apparels, Entertainment. (With effect from 1st Oct'21) 
  • Maximum cap of Rs. 750 per card per month
  • Minimum 100 Cashback points to redeem through Net Banking
  • Customers will receive cash back points on eligible MCC (Merchant Category Code) only.
    Click Here to Know More.

SmartBuy Biz Deals

  • Assured Savings up to 40% on Travel, Software & more
  • Special offers on flights, hotels & more. Get up 3% off* on domestic & international flights and 4% off* on hotels
  • Save Big on Office Tools and Cloud Costs
  • Seamless Business Travel and Guaranteed Benefits with HDFC Bank Cards
  • Exclusive Deals on SaaS Products on HDFC Bank Cards
  • To know more click here

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

PayZapp & SmartBuy

  • Earn Upto 5% CashBack on your Debit Card on transacting through PayZapp & SmartBuy

Click Here to know your annual savings.

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

How to Redeem?

1. Through NetBanking
Login >> Pay >> Cards >> Debit Cards >> Debit Cards Summary >> Actions >> Redeem Reward Points

  • Sign up for an alert on your mobile every time a transaction is made. Learn more about InstaAlerts.
  • Special partner programs with MasterCard add value, with special privileges and discounts from premium outlets for office related products.

Higher Debit Card 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.

  • Daily Domestic ATM withdrawal limits: Rs. 1 lac
  • Daily Domestic Shopping limits: Rs. 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/-

*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.

Fuel Surcharge

Effective 1st January 2018, Fuel Surcharge would not be applicable for the transactions done on HDFC Bank swipe machines.

Insurance Cover

The following are included in the insurance covers:

  • Death Cover by Air / Road / Rail - Sum Insured up to Rs. 10 lac. Click Here for more details.
  • Now get additional International Air Coverage of flat Rs.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 Rs. 200,000. Click Here for more details
  • Loss of checked baggage - sum assured Rs.200,000. Click Here for more details.
  • For any Claims under Fire & Burglary Insurance / Loss of checked baggage Insurance to be accepted & processed, the cardholder should have carried out at least 1 purchase transaction (at mechant outlet / online) using the Debit Card, within 90 days prior to the event date.
  • *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.

Zero Liability

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.

Airport Lounge access offer

This Debit card gets you complimentary lounge access at airports across India 

Complimentary Lounge Access - 2 per Calendar Quarter. 

Effective 1st  January 2024, you will get complimentary lounge benefit only if you spend Rs. 5000 or more in previous calendar quarter.  

For more information click here​​​​​​​

Contactless Payment Technology

  • 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.

Kindly note, effective 1st June 2015, Movida service will be discontinued for HDFC Bank Debit Cards.

Please Note - In case purchase/ transaction is returned/ cancelled/ reversed, cashback points toward posted towards transactions will be reversed.

Important Note

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. 

*NRO Debit Card will continue to be enabled only for domestic usage as per regulatory mandate.

Contactless per day limit is of transaction Rs. 5000/-

Cashback/Reward Points

5 CashBack points on every Rs.100 spent on all Tax Payments and 1 CashBack point on every Rs.100 spent on Telecom, Utilities, Groceries & Supermarket, Restaurant & Apparels, Entertainment.

Cashback Points need to be redeemed through Net Banking in multiples of 100

Max Cashback/Reward Points

Rs. 750 per month