Key Features

  • Cashback - 1% CashBack on every Rs. 100 spent on Fuel, Apparels, Insurance, Education & Grocery (Max CashBack - Rs 250/- per month per card)
    Please click here to check for eligible MCC's for CashBack:

  • Welcome Benefit - Welcome Voucher on first transaction (Min Txn Value - Rs 500/-) from categories like Entertainment, Dining etc
    (First transaction within 60 days from date of card issuance for value greater than or equal to 500)​​​​​​​

*Gratification of eligible qualifiers is done post 120 days from end of eligibility period*

T&C - Welcome Voucher Excluded MCC category codes: 6211, 6010, 6011, 7995.

Terms and Conditions:

  • Cashback Points can be earned for each transaction greater than Rs.100

  • Maximum aggregate Cashback points per card per month is Rs. 250

  • Cashback points need to be redeemed through NetBanking in multiples of 250

  • Customer can view the points in Netbanking in 2 working days from the date of transaction

  • Product feature CashBack Points will be valid for redemption within the next 12 months after which your CashBack Points will lapse.

  • Cashback will be reversed in case the purchase transaction gets reversed / cancelled

  • Insurance features can be availed only if the card is used for shopping at least once in last 30 days

  • All Promotional 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

  • No maximum capping on redemption subject to availability

  • Registered HDFC Bank Mobile Number and E-mail address to be entered to redeem the welcome voucher benefit

  • Applicability of Rules and Regulations: 

    Bank is responsible for direct losses incurred by a cardholder due to a system malfunction directly within the bank’s control. However, the bank shall not be held liable for any loss caused by a technical breakdown of the payment system if the breakdown of the system was recognizable for the cardholder by a message on the display of the device or otherwise known. The responsibility of the bank for the non-execution or defective execution of the transaction is limited to the principal sum and the loss of interest subject to the provisions of the law governing the terms. 

How to Redeem Cashback Points?

Through NetBanking

  • Login >> Pay >> Cards >> Debit Cards >> Debit Cards Summary >> Actions >> Redeem Reward Points​​​​​​​

​​​​​​​​​​​​​​Additional Cashback on MoneyBack Debit Card:​​​​​​​

PayZapp & SmaryBuy

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

Higher Debit Card Limits

  • Daily Domestic ATM withdrawal limits: Rs. 25,000

  • Daily Domestic Shopping limits: Rs. 3 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/-

  • 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.

  • Dynamic Limits:
    ​​​​​​​*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.

Safe and Secure

The encryption technology of a contactless chip card, which secures the card against fraudulent use, so that you can spend well without a worry.

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.

Contactless Payment Technology

The HDFC Bank MoneyBack 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.

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/- 

Insurance Cover

With our cards, care comes naturally.

The following are included in the insurance covers:

  • Accelerated Personal Accident Death Cover of up to ₹15 lakhs.

  • You are entitled to a Base Personal Accident Death Cover by Air/Road/Rail for a sum assured of ₹5 lakh.

  • Additionally, you are also eligible for an Accelerated Personal Accident Death Cover up to a maximum of ₹5 lakh, subject to minimum transactions at merchant locations / online. Click here to know more.

  • 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.

  • For Managed Customers (Imperia, Preferred and Classic Customers) the sum insured is up to Rs. 12 Lacs

Fire & Burglary Protection of ₹200,000

You are insured for the items purchased using Debit Card (upto 6 months) - Sum assured 
Rs. 200,000. Click here for more details.

Checked Baggage Insurance Sum of ₹2 lakh

Applies if the insured person is travelling on tour and / or on holidays to location Outside India, to the intrinsic value of the accompanied personal baggage belonging to the card holder, so lost because of fire, theft, burglary and accident of travelling vehicle. Click here for more details.

Zero Liability

You will not have any liability to any fraudulent Point of Sale transactions on the Debit Card, which take place upto 90 days prior to reporting the card loss. Click here

*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

*To know about consolidated insurance Features on HDFC Bank Debit Cards: Click Here

Fuel Surcharge

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

Important Note:

As per RBI guidelines, effective 1st Oct'2020 all New Debit Cards issued by the bank is mandatorily disabled for International usage (POS,Online and ATM). This is to in the interest of the security measures taken by the bank on the basis of the guideline RBI/2019-2020/142 DPSS.CO.PD No. 1343/02.14.003/2019-20 dated 15th January 2020 
Be assured, you can continue to use your card for all domestic purposes. (POS, Online, ATM)."

  • As per RBI guidelines, as of 7th February 2021 all debit card issued will be disabled for E-commerce, contactless and International usage. The card can be swiped and used at any ATMs in India
  • As per RBI guidelines, as of 7th February all existing debit cards which were not active for international usage are disabled and are only active for domestic usage.
  • As per RBI guidelines, as of 7th February all existing debit cards which are not active for Ec-ommerce and contactless usage will be disabled and will be active for only POS and ATM usage
  • 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

1% CashBack on every Rs. 100 spent on Fuel, Apparels, Insurance, Education & Grocery (Max CashBack - Rs 250/- per month per card)
Cashback Points can be earned for each transaction greater than Rs.100

Max Cashback/Reward Points

Rs. 250 per month