FEATURES
Your HDFC Bank Classic Platinum Chip Debit card entitles you to:
The encryption technology of a chip card, which secures the card against fraudulent use. This card offers greater security by storing & processing information in a secure manner. This advanced technology is more effective in preventing the card from being copied to product counterfeit cards.
- Get 1 Cashback point on every ₹ 100 spent on Telecom, Utilities.
- Get 1 Cashback point on every ₹ 200 spent on Groceries, Supermarket, Restaurant, Apparels & Entertainment
- Maximum cap of ₹ 750 per account per month
- No cashback points for all other categories apart from the one above.
- Customers will receive cash back points on eligible MCC (Merchant Category Code) only. Click Here to Know More.
- In case purchase/ transaction is returned / cancelled/ reversed, Cashback points toward posted towards transactions will be reversed.
- Cashback points need to be redeemed through NetBanking minimum 250, no maximum capping on redemption subject to availability.
- Customer can view the cashback points in NetBanking within 2 working days from the date of transaction. However, in case of a technical glitch, the cashback will be credited by 30th of the subsequent month.
- Cashback Points are earned on eligible Merchant Category Codes (MCC).
- MCCs are categorised basis the nature of business by card Networks (Visa/ Mastercard)
- 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.
Product feature 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 effective February 2020.
Cashback points in the existing Debit Card variant will not be transferred if a card is upgraded to a new Debit Card variant.
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
Additional cashback:
- PayZapp & SmartBuy
Earn Upto 5% CashBack on your Debit Card on transacting through PayZapp & SmartBuyhttps://offers.smartbuy.hdfcbank.com/offer_details/15282
Daily Shopping limits (Domestic & International Combined): ₹ 5 lacs
Daily ATM withdrawal limits (Domestic & International Combined): ₹ 1 lac
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
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 ₹ 5000 or more in previous calendar quarter.
For more information click here
The following are included in the insurance covers
- Death Cover by Air / Road / Rail - Sum Insured up to ₹ 15,00,000. Click here for more details.
- Now get additional International Air Coverage of flat ₹3 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 6 months) - Sum assured ₹ 200,000. Click here for more details.
- Loss of checked baggage - Sum assured ₹ 2,00,000. 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 using the Debit Card, within 3 months 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 Sum Insured / limit of Indemnity.
- 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
- 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.
- 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
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 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
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 / PayZapp / 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.