Your HDFC Bank Rewards Debit Card entitles you to:

A single card that provides benefits / savings across categories like Grocery, Fuel, Pharmacy, Railways and Online.

  • Rewards Point Programme
    • 5% savings on your everyday spends on partner merchants. Enjoy up to 2000* Reward points per month Click here to Know More. On clicking the below.
      • Shop with big brands across categories like Grocery, Fuel, Railways, Online & Pharmacy to earn your monthly reward points
        • Grocery - Smart Bazaar
        • Fuel - BPCL (on HDFC Bank terminals)
        • Online Shopping – Snapdeal
        • PayZapp – All Payments, One App, One Click. (Transactions other than Wallet Load)
        • Railway – IRCTC (www.irctc.co.in)
        • Pharmacy - Apollo Pharmacy
        • Online - Smart Buy- One Stop Shop for all your needs 
        • To receive Reward Points the minimum transaction amount should be greater than Rs. 100
        • T&C applicable : Reward Point is eligible only for select MCCs
  • 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
  • Reward points will be credited within 90 Days from the end of the transaction month
  • Cashback points need to be redeemed through Net Banking, a minimum of 250 points needs to be accumulated for redemption. No maximum capping on redemption subject to availability.
  • Exclusive Offers on HDFC Bank Rewards Debit Card
    • Merchant Discounts:
      Apollo Pharmacy -
    • 15% Discounts on Private Label Product
    • 10% Discount on medicine except DPCO
    • 5% Discount on FMCG

      To know more about the Apollo branded products. Click here. 


  • Insurance Cover of Rs. 5 Lakhs
    • Personal Accidental Death cover for accident by Air/ Road/ Rail – Sum insured of Rs 5. Lakhs know more Click here
    • You also get additional International Air Coverage of flat Rs. 25 Lakhs on purchase of air ticket using your Debit Card. (For International Air Tickets booked using HDFC Bank Rewards Debit Card.). Click here to Know More.
    • All Debit Card holders are required to use their Debit Card at retail OR online stores at least once every 30 days to keep the free Personal Death Insurance cover active.

  • Zero Liability :
    • You will not have any liability to any fraudulent Point of Sale transactions on the debit card, which take place up to 90 days prior to reporting the card loss. Click here for more details.

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

  • Higher Debit Card Limits
    • Daily Domestic ATM withdrawal limits: Rs. 50,000
    • Daily Domestic Shopping limits: Rs. 3.5 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/-

    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.

  • Online Usage: 
    Shop online using your HDFC Bank Debit Card by registering with Verified by Visa

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


  • 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 & SmaryBuy
  • 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.

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  on partner merchants (Smart Bazar, BPCL (HDFC Bank Terminal), Snapdeal, Payzapp, IRCTC, Apollo Pharmacy and Smart Buy)

Max Cashback/Reward Points

Rs. 2000 per month