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

Introduction

The Easyshop Titanium Debit Card, issued by HDFC Bank, is a versatile payment solution positioned for users seeking higher daily transaction limits and international acceptance. While new applications for this card are currently not being accepted as its sourcing has stopped, existing customers continue to enjoy its benefits. Key differentiating features include higher daily limits for shopping and ATM withdrawals, a 1% fuel surcharge waiver at government petrol pumps, enhanced security with EMV Chip Card technology, and convenient contactless payment capabilities.

Fees

• Annual Fee: ₹250 + taxes
• Replacement / Reissuance Charges: ₹200 + taxes (effective December 1, 2016)
• ATM PIN Generation: NIL
• Usage Charges:
  • Railway Stations: ₹30 per ticket + 1.8% of the transaction amount.
  • IRCTC: 1.8% of the transaction amount.

Rewards

• Banking Benefits:
  • Daily cash withdrawals up to ₹50,000.
  • Daily spends at merchant establishments up to ₹3,50,000.
  • Cash withdrawal facility at merchant establishments up to ₹2,000 per transaction, capped at ₹10,000 monthly.
  • Ability to enable or modify domestic and international transaction limits as per suitability.
• Fuel Benefits:
  • Enjoy a 1% fuel surcharge waiver on fuel purchases across all government petrol pumps.
• Safety & Security:
  • Protection against unauthorised use via EMV Chip Card technology.
  • Zero liability on lost card after reporting the loss.
• International Acceptance:
  • Globally accepted card for travel with confidence and ease.
• Contactless Payments:
  • Enabled for contactless payments at retail outlets, facilitating fast, convenient, and secure payments.
  • In India, contactless payments are allowed for a maximum of ₹5,000 for a single transaction without a PIN. For amounts higher than or equal to ₹5,000, the cardholder must enter the Debit Card PIN.
  • The daily contactless transaction limit is ₹5,000.
• Card Management & Controls:
  • A unified platform allows you to manage multiple banking and financial products.
  • Simple interface to track account activity in real time.
  • View and redeem reward points.
  • MyCards mobile-based service platform facilitates convenient activation and management, including:
    • Debit Card Registration & Activation.
    • Setting up Card PIN.
    • Managing Card Controls like Online Spends, Contactless Transactions.
    • Viewing Transactions / Downloading e-Statements.
    • Checking Reward Points.
    • Blocking/Re-Issuing Card.
    • Applying for an Add-on Card, managing, setting PIN, and controlling Add-on cards.

Rewards Redemption Guide

• Reward points can be viewed and redeemed at the push of a button via the unified platform or by checking Reward Points through the MyCards service.

Card Eligibility Criteria

• Exclusively available to individuals holding salary accounts.

Card Review

The HDFC Bank Easyshop Titanium Debit Card is a robust offering designed for individuals who require high daily transaction limits and international usability. Its key strengths lie in its generous daily ATM withdrawal and merchant spend limits, coupled with the convenience of international acceptance and a fuel surcharge waiver at government petrol pumps. The card incorporates modern security features like EMV Chip technology and zero liability on lost cards, alongside the efficiency of contactless payments. The MyCards platform provides comprehensive digital control over card functions, enhancing user experience.

However, a significant drawback is that the sourcing of this debit card has been stopped, and new applications are no longer being accepted. This makes it unavailable for new customers. For existing salary account holders, it remains a valuable card, especially for those who frequently travel or make large purchases. The annual fee and specific usage charges for railway/IRCTC transactions are minor considerations.

Pros:

• Higher daily limits for ATM withdrawals and merchant spends.
• International acceptance.
• 1% fuel surcharge waiver at government petrol pumps.
• Enhanced security with EMV Chip Card technology and zero liability.
• Contactless payment enabled for quick transactions.
• Comprehensive digital card management via MyCards.
• Ability to customize domestic and international transaction limits.

Cons:

• Sourcing of the card has been stopped; new applications are not accepted.
• Annual fee of ₹250 + taxes.
• Specific usage charges for railway stations and IRCTC transactions.

Important Product Details

• Card Name: Easyshop Titanium Debit Card
• Issuing Bank: HDFC Bank
• Availability: Sourcing has been stopped; new applications are not accepted. Existing customers continue to enjoy benefits.
• Daily Limits:
  • Cash withdrawals: Up to ₹50,000 per day.
  • Merchant establishment spends: Up to ₹3,50,000 per day.
  • Cash withdrawal at merchant establishments: Up to ₹2,000 per transaction, capped at ₹10,000 monthly.
  • ATM cash withdrawal limit is capped at ₹0.5 lakh per day and ₹10 lakh per month for the first 6 months from account opening date. For accounts older than 6 months, it is ₹2 lakh per day and ₹10 lakh per month.
• Fuel Surcharge Waiver: 1% waiver on fuel purchases at government petrol pumps.
• Security Features: EMV Chip Card technology, Zero liability on lost card after reporting the loss.
• Contactless Payments: Enabled for transactions up to ₹5,000 without a PIN in India; PIN required for ₹5,000 or more. Daily contactless limit is ₹5,000.
• International Usage: Globally accepted.
• Transaction Limit Management: Domestic and international transaction limits can be enabled or modified via MyCards, NetBanking, Mobile Banking, WhatsApp Banking, Ask Eva, or toll-free numbers.
• RBI Guidelines (Effective Oct 1, 2020): All Debit Cards issued are enabled only for Domestic usage (PoS & ATM) and disabled for Domestic (E-commerce & contactless) and International usage by default, but can be enabled/modified by the user. NRO Debit Cards remain enabled only for domestic usage.

Other Details

• The card offers a unified platform for managing multiple banking and financial products.
• MyCards is a mobile-based service platform for all Debit Card needs, ensuring a seamless experience without the need for passwords or downloads.
• The Movida service was discontinued for HDFC Bank Debit Cards effective June 1, 2015.
• CashBack points posted towards transactions will be reversed if the purchase/transaction is returned/cancelled/reversed.
• Important Terms and Conditions and other relevant documents pertaining to the Debit Card are available digitally and should be thoroughly reviewed by card members.