• 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. 1,00,000
    • *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.
    • Daily Domestic Shopping limits: Rs. 2.75 lacs
    • Cash withdrawal facility can now be availed across merchant establishments with a maximum upper limit of Rs.1,000/ day on your HDFC Bank Debit Cards.
  • PayZapp & SmaryBuy
  • 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"

  • Fuel Surcharge:
    • Effective 1st January 2018, Fuel Surcharge would not be applicable for the transactions done on HDFC Bank swipe machines.
  • Exclusive Offers on RuPay NRO Debit Card 
    • Cashback offers and unique benefits
      The RuPay NRO Debit Card brings you a bouquet of benefits. Please click on the following link to find out the unmatched benefits. 
  • Personal Accidental Death / Permanent Disability Insurance of Rs. 2 lacs
    • You are entitled to a Personal Accidental Death / Permanent Disability Insurance by Air/Road/Rail - Sum assured Rs 2 lakhs
    • For any Claims under Personal Accidental Death / Permanent Disability Insurance to be accepted and processed, the Cardholder should have carried out at least 1 POS (point of sale) transaction using the RuPay NRO Debit Card, within 30 days prior to the event date.
  • 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
  • Online Payment Ready
    • Be it online shopping, payment of your utility bills or booking a movie ticket, just use the HDFC Bank RuPay NRO Debit Card from the comfort of your home. Your Debit Card transactions are secured with one extra layer of security with RuPay PaySecure where an additional level of authentication is done using One Time Password(OTP).
  • Zero Liability Protection Sum up to Rs 4 lakh*
    • You will not have any liability towards any fraudulent transactions on your Debit Card that takes place 30 days prior to reporting the Card loss. This protection is only applicable for Point-Of-Sale (POS) transactions and not for ATM/Online Debit Card/NetSafe transactions, subject to a maximum liability of Rs 4 lakh per Card. Please report loss of Card immediately to our PhoneBanking service or visit the nearest HDFC Bank branch for further assistance.
    • For any claims under Zero Liability to be accepted and processed, the Cardholder should have carried out at least 1 transaction using the Debit Card, within 90 days prior to the date of the disputed purchase transaction.
  • Airport Lounge Access
    • RuPay Premium Airport Lounge Access program provides access to the participating lounges two (2) times per calendar quarter per card in any of the 27 domestic airport lounges. Please click here to check out the Domestic airport lounges. Please click here to read the TnC.
    • Cardholder has to present the RuPay NRO Debit Card at the point of entry to avail the complimentary access.
    • A nominal transaction fee of Rs. 2 per access will be charged to the card.
    • Customer will need to enter valid PIN to complete the transaction.
  • Concierge Facility
    • Concierge service will be available as a 24x7 service across India on best-effort basis.
    • Services offered under the concierge service are detailed as under:
    • Gift Delivery Assistance
    • Flower Delivery Assistance
    • Restaurant Referral and Arrangement
    • Courier Service Assistance
    • Car Rental and Limousine Referral and Reservation Assistance
    • Golf Reservations
    • Movie ticket sourcing Assistance
    • Car Rental and Sight Seeing Assistance
    • IT Return Assessment and filling assistance
    • Investment Consultancy
    • Insurance Consultancy
    • RuPay NRO Debit Card Concierge service can be availed in English or Hindi by calling toll free number - 1800-26-78729
    • Most of the services will be on a chargeable basis as communicated by the service provider Click Here for Terms & Conditions.

      For detailed Terms & Conditions of the offers, please Click Here.
      *Conditions Apply.

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.