HDFC Bank Easyshop Titanium Debit Card – Benefits, Fees & Eligibility

Introduction

The HDFC Bank Easyshop Titanium Debit Card is a versatile payment card designed for individuals holding salary accounts, offering higher daily limits for shopping and ATM withdrawals, international acceptance, and a fuel surcharge waiver. It incorporates EMV Chip Card technology for enhanced security and supports contactless payments for convenience. Please note that the sourcing of this Debit Card has been stopped, and new applications are currently not being accepted. Existing customers will continue to enjoy its benefits.

Transaction Limits & Usage

• Daily ATM Withdrawal Limit:
  • Up to ₹50,000 daily.
  • For the first 6 months from account opening date: Capped at ₹0.5 lakh per day and ₹10 lakh per month.
  • For accounts older than 6 months: Capped at ₹2 lakh per day and ₹10 lakh per month.
• Daily POS/Online Transaction Limits:
  • Up to ₹3,50,000 daily at merchant establishments.
• Daily Cash Withdrawal at Merchant Establishments (Cash at POS):
  • Maximum of ₹2,000 per transaction.
  • Maximum Cash at POS limit per month is ₹10,000.
• Contactless Payment:
  • Enabled for contactless payments at retail outlets.
  • Maximum of ₹5,000 for a single transaction without requiring a Debit Card PIN in India.
  • For transactions equal to or higher than ₹5,000, the Debit Card PIN must be entered.
  • Contactless per day limit is ₹5,000.
• International Usage:
  • Globally accepted card.
  • Users can enable or modify domestic and international transaction limits as per suitability via MyCards, NetBanking, Mobile Banking, WhatsApp Banking, Ask Eva, or Toll-free numbers.
  • As per RBI guidelines effective October 1, 2020, all Debit Cards issued are enabled only for Domestic usage (PoS & ATM) by default and disabled for Domestic (E-commerce & contactless) and International usage. These can be enabled/modified by the user.
  • NRO Debit Cards will continue to be enabled only for domestic usage as per regulatory mandate.

Fees and Charges

• Annual Fees: ₹250 + taxes.
• Replacement / Reissuance Charges:
  • ₹200 + taxes (effective December 1, 2016).
  • ₹240 + taxes (effective May 1, 2026).
• ATM PIN Generation: NIL.
• Usage Charges:
  • Railway Stations: ₹30 per ticket + 1.8% of the transaction amount.
  • IRCTC: 1.8% of the transaction amount.
• Fuel Surcharge: 1% fuel surcharge waiver on fuel purchases across all government petrol pumps.

Rewards & Offers

• Reward Points: Users can view and redeem reward points through the card management interface.
• Fuel Surcharge Waiver: Enjoy a 1% fuel surcharge waiver on fuel purchases at government petrol pumps.
• Zero Liability: Protection with zero liability on a lost card after reporting the loss to the bank.
• Security: Enhanced protection against unauthorised use via EMV Chip Card technology.

Account & Eligibility Criteria

• Mandatory Bank Account Tiers: Exclusively available to individuals holding salary accounts.
• Application Status: New applications for the HDFC Bank Titanium Debit Card are currently not being accepted as sourcing has stopped.

Debit Card Review

The HDFC Bank Easyshop Titanium Debit Card is a robust offering for existing salary account holders who require high transaction limits and value security features. Its primary advantages include substantial daily ATM withdrawal and POS limits, international acceptance, and a beneficial 1% fuel surcharge waiver at government petrol pumps. The EMV Chip technology and zero liability on lost cards provide peace of mind. However, the most significant drawback is that the card is no longer being issued, making it inaccessible to new customers. For existing cardholders, it remains a valuable tool for daily transactions and travel, especially given its contactless payment capabilities. New applicants will need to explore other debit card options from HDFC Bank.

Important Product Details

• Positive Highlights:
  • Higher daily ATM withdrawal limit (up to ₹2 lakh for older accounts).
  • High daily POS/online transaction limit (up to ₹3.5 lakh).
  • International acceptance for travel convenience.
  • 1% fuel surcharge waiver at government petrol pumps.
  • Enhanced security with EMV Chip Card technology.
  • Zero liability protection on lost cards after reporting.
  • Contactless payment enabled for quick transactions.
• Negative Highlights:
  • Sourcing of this Debit Card has been stopped, and new applications are not accepted.
  • An annual fee of ₹250 + taxes applies.
  • Specific details on reward point earning rates or redemption values are not provided.

Other Details

• Card Management & Controls (via MyCards):
  • A unified platform for managing multiple banking and financial products.
  • Allows tracking of account activity in real-time.
  • Enables viewing and redeeming reward points.
  • Facilitates Debit Card registration and activation.
  • Allows setting up Card PIN.
  • Provides control over card features like online spends and contactless transactions.
  • Enables viewing transactions and downloading e-statements.
  • Supports blocking and re-issuing of cards.
  • Allows applying for an Add-on Card, managing it, setting its PIN, and controlling its features.
• RBI Guidelines on Card Usage (Effective October 1, 2020):
  • All Debit Cards issued are by default enabled only for Domestic usage (PoS & ATM).
  • Domestic (E-commerce & contactless) and International usage are disabled by default.
  • Users can enable or modify these transaction limits via MyCards, NetBanking, Mobile Banking, WhatsApp Banking (7070066666), Ask Eva, or Toll-free numbers (1800 1600 / 1800 2600 from 8 am to 8 pm). Customers travelling overseas can reach 022-61606160.
• Discontinued Services:
  • Movida service was discontinued for HDFC Bank Debit Cards effective June 1, 2015.
• CashBack Reversal:
  • In case a purchase/transaction is returned/cancelled/reversed, any associated CashBack points will also be reversed.
• Important Documents:
  • Detailed Fees & Charges and Key Fact Sheets are available for thorough review of terms and conditions.