Debit Card Limits: 

  • Daily Domestic ATM withdrawal limits: ₹ 25,000 
  • Daily Domestic Shopping limits: ₹ 2.75 Lakhs 
  • Cash withdrawal facility can now be availed across merchant establishments with a maximum upper limit of ₹ 2,000 / day on your HDFC Bank Debit Cards, maximum Cash at POS limit per month is of ₹ 10,000/-  

Dynamic 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.  
*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.

Fuel Surcharge 

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

Insurance Cover 

  • Comprehensive Insurance Cover up to ₹ 2 lakhs from NPCI, which includes claim against accidental injuries caused by all kind of Personal Accidents, Accidental Death and Permanent Total Disability. For updated details on the Comprehensive Insurance Cover, click here.  
  • The cardholder has to carry at least one transaction (POS / E-com) in every 30 days using RuPay PMJDY Debit Card to keep the Insurance cover active. 

How to claim Rupay PMJDY Card Insurance? Please click below to see all details related to Rupay insurance claim. 

Online Payment Ready 

Be it online shopping, payment of your utility bills or booking a movie ticket, just use the HDFC Bank RuPay PMJDY 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). 

​​​​​​​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.  


Fees & Charges