Dynamic Limits on Debit Cards

Your Debit Card always stands behind you in times of your need. The Dynamic Limit is a unique feature available first time in the industry to help you make transactions without fear of any decline.

Dynamic Limit enables you to use your Debit Card over and above your Daily Shopping Limit on select merchant categories. The categories on which dynamic limit is applicable are Airlines, Education, Electronics, Medical, Travel, Tax Payments and Insurance. The mentioned categories are categorized as select merchant category for the purpose of this document

Eg. You are holding HDFC Bank Rewards Debit Card and want to pay Education Fees of 4 Lakhs. You have more than sufficient balance in your A/C. But the Daily Shopping Limit on your Debit card is 2.75 Lakh. In a normal scenario your transaction would have failed but due to dynamic limit feature on your HDFC Bank Rewards Debit Card, the transaction will be successful and you would enjoy a smooth payment experience.

Table 1: Dynamic Limit for each Debit Card variant at select Merchant Category Codes (MCCs)

Debit Card Variant	Current Default Debit Card Shopping Limit	Additional Dynamic Limits (only on select MCCs)	Aggregate Daily Shopping Limits (only on select MCCs)
JetPrivilege Debit Card	3 (Rs Lakhs)	2 (Rs Lakhs)	5 (Rs Lakhs)
Times Points Debit Card Gold Debit Card Rewards Debit Card	2.75 (Rs Lakhs)	2.25 (Rs Lakhs)	5 (Rs Lakhs)
Titanium Debit Card Titanium Royale Debit Card	1.75 (Rs Lakhs)	3.25 (Rs Lakhs)	5 (Rs Lakhs)
Easyshop Regular Debit Card & Women's Advantage Debit Card	1.25 (Rs Lakhs)	1.75 (Rs Lakhs)	3 (Rs Lakhs)
Rupay Premium Debit Card	1.25 (Rs Lakhs)	1.75 (Rs Lakhs)	3 (Rs Lakhs)
Platinum Debit Card & Business Debit Card	5.00 (Rs Lakhs)	-	-

Please note:

The current shopping Limit on your Debit card is either daily default shopping limit or modified daily shopping limit in case you have changed the shopping limits
You can modify your Daily Default Shopping Limit on your Debit Card through NetBanking and Phone Banking.
Possible Scenarios of Dynamic Limit

Case A: You have not modified the Daily Default Shopping Limit
Aggregate Daily Shopping Limit will hold as per your respective card variant as mentioned in the Table 1. It is valid only on select MCCs. For all other MCCs, Current Daily Shopping Limit is applicable

Eg: You are holding HDFC Bank Rewards Debit Card and want to pay Education Fees of 4 Lakhs. You have more than sufficient balance in your A/C. The Daily Default Shopping Limit on your Rewards Debit Card is 2.75 Lakhs. In a normal scenario your transaction would have failed but due to dynamic limit feature on your HDFC Bank Rewards Debit Card, the transaction will be successful and you would enjoy a smooth payment experience.

Case B: Current Daily Shopping Limit is less than Aggregate Daily Shopping Limit

Aggregate Daily Shopping Limit will hold as mentioned in the table 1. This is applicable only for select MCCs. For other MCCs your Current Daily Shopping Limit is applicable

Eg. You are holding HDFC Bank Rewards Debit Card and want to pay Education Fees of 4 Lakhs. You have more than sufficient balance in your A/C. You have modified the daily shopping limit on your Rewards Debit card to 1 Lakh. In a normal scenario your transaction would have failed but due to dynamic limit feature on your HDFC Bank Rewards Debit Card, the transaction will be successful and you would enjoy a smooth payment experience.

Case C: Current Daily Shopping Limit is more than or equal to Aggregate Daily Shopping Limit
In this case you will enjoy the current daily shopping limits set on all MCCs
2. Dynamic Limit is applicable only on Domestic Transactions and not for International transactions.
3. This feature is not applicable for an ATM withdrawal.
4. Dynamic Limit is applicable provided there is sufficient balance in A/C

Table 2: select MCC (Merchant Category Codes) on which the Dynamic Limits will be applicable.

The below table list the select MCCs (Merchant Category Codes) on which the Dynamic Limits will be applicable.

MCC Code	Category
Air	3000, 3001, 3002, 3004, 3005, 3006, 3007, 3008, 3009, 3010, 3011, 3012, 3013, 3014, 3015, 3016, 3017, 3018, 3020, 3021, 3022, 3023, 3024, 3025, 3026, 3027, 3028, 3029, 3030, 3031, 3032, 3033, 3034, 3035, 3036, 3037, 3038, 3039, 3040, 3041, 3042, 3043, 3044, 3045, 3046, 3047, 3048, 3049, 3050, 3051, 3052, 3053, 3054, 3055, 3056, 3057, 3058, 3060, 3061, 3063, 3064, 3065, 3066, 3067, 3071, 3075, 3076, 3077, 3078, 3081, 3082, 3083, 3084, 3085, 3086, 3087, 3088, 3089, 3090, 3094, 3096, 3097, 3098, 3099, 3100, 3102, 3103, 3106, 3110, 3111, 3112, 3115, 3117, 3118, 3125, 3126, 3127, 3129, 3130, 3132, 3133, 3135, 3136, 3137, 3138, 3143, 3144, 3145, 3146, 3148, 3151, 3154, 3156, 3159, 3161, 3164, 3165, 3170, 3171, 3172 3175, 3176, 3178, 3181, 3182, 3184, 3185, 3186, 3187, 3190, 3191, 3192, 3193, 3196, 3197, 3200, 3203, 3204, 3206, 3212. 3215, 3216, 3217, 3218, 3219, 3220, 3221, 3222, 3223, 3228 3229, 3231, 3233, 3234, 3235, 3238, 3239, 3240, 3241, 3242, 3243, 3251, 3252, 3253, 3254, 3256, 3259, 3261, 3262, 3263, 3266, 3267, 3280, 3282, 3284, 3285, 3286, 3287, 3292, 3293 3294, 3295, 3297, 3298, 3299, 4511, 3174, 3177, 3180, 3188, 4582, 5310, 5309
Education	8244, 8220, 8241, 8211, 5044, 5943, 8299, 5111, 8249
Electronic	5045, 5732, 5734, 5946, 5046, 7372, 5099, 5997, 1731, 5065, 7622, 5722, 7623, 7629, 5978, 7631
Medical	5047, 5912, 7261, 8031, 8062, 8021, 8011, 5122, 5975, 8071, 8099, 8043, 8042, 5976, 8049, 742
Tax Payments	9311
Insurance Premium Payments	6300
Travel	3351, 3352, 3353, 3354, 3357, 3359, 3360, 3361, 3362, 3364, 3366, 3368, 3370, 3374, 3376, 3380, 3381, 3385, 3386, 3387, 3389, 3390, 3391, 3393, 3394, 3395, 3396, 3398, 3400, 3405, 3409, 3412, 3414, 3420, 3421, 3423, 3425, 3427, 3428, 3429, 3430, 3431, 3432, 3433, 3434, 3435, 3436, 3437, 3438, 3439, 3441, 4121, 4131, 4722, 4723, 4789

Please Note: Transactions at the Merchants with MCC code not included in the above MCC Code Table will not have dynamic limit feature.

FAQs

1. What is Dynamic Limit?
For any debit card you are able to do a transaction successfully if the transaction amount is less that the daily shopping limit. If the transaction amount is greater than the daily shopping limit, the transaction is declined.
Dynamic Limit enables you to use your Debit Card over and above your Daily Shopping Limit on select merchant categories. The categories on which dynamic limit is applicable are Airlines, Education, Electronics, Medical, Travel, Tax Payments and Insurance.

2. What are select Merchant Category Codes (MCCs)
HDFC Bank has identified certain categories on which Dynamic Limit is applicable. These categories are called as select Merchant categories for the purpose of Dynamic Limits. The select categories are Airlines, Education, Electronics, Medical, Travel, Tax Payments and Insurance. The Dynamic limit is applicable only on select Merchant Categories.

3. Is Dynamic Limit applicable on my Debit Card.
Dynamic Limit is applicable on following debit card variants
a. HDFC Bank JetPrivilege Debit Card
b. HDFC Bank Times Points Debit Card
c. Gold Debit Card
d. Rewards Debit Card
e. Titanium Debit Card
f. Titanium Royale Debit Card
g. Easyshop Regular Debit Card
h. Women's Advantage Debit Card
i. Rupay Premium Debit Card

4. What is the maximum amount of transaction possible through Dynamic Limit?
The maximum amount of transaction through dynamic limit depends upon the debit card variant

Debit Card Variant	Aggregate Daily Shopping Limits (in Lacs) - Only on select MCCs
JetPrivilege Debit Card	5
Times Points Debit Card, Gold Debit Card, Rewards Debit Card	5
Titanium Debit Card, Titanium Royale Debit Card	5
Easyshop Regular Debit Card & Women's Advantage Debit Card	3
Rupay Premium Debit Card	3

The aggregate Daily shopping limit is applicable only on select merchant categories.
On other categories, your current daily shopping limit will apply.

5. How to I check/ modify the Current Daily Shopping Limit on my Debit Card?
You can check your Current Daily Shopping Limit by logging in NetBanking.
Login NetBanking>>>Cards>>>>Debit Cards>>>>>Request>>>> Set Domestic Usage Limits>>>>> Current Merchant Outlets Limit
You can also modify your shopping limits to suit your limits

6. Is Dynamic Limit valid for International Transactions also?
No Dynamic Limit is valid for only Domestic Transactions as of now.

7. Can dynamic limit be disabled?
No Dynamic Limits cannot be disabled. Dynamic Limit is applicable only on select MCCs. For all other MCCs other than select MCCs, your current shopping limit is applicable.