HDFC Bank Giftplus Prepaid Card – Benefits, Fees & Eligibility

Introduction

The HDFC Bank GiftPlus Prepaid Card is a versatile and hassle-free gifting solution offered by HDFC Bank. Positioned as an excellent alternative to traditional gifts and vouchers, it provides recipients with the freedom to choose what they truly want. Its top differentiating benefits include wide acceptability across all major merchant outlets and e-commerce sites in India, the flexibility to load any amount from ₹500 to ₹10,000, and a long-lasting validity of three years.

Fees

• Joining Membership Fee: ₹100 + Applicable Taxes (or GST)
• Balance Inquiry Fees: ₹10 + taxes as applicable (at HDFC Bank ATM & others)
• Re-issuance Fee: ₹100 + GST
• There are no annual fees associated with the card.
• No usage fee is deducted from the loaded amount; the entire value is available for spending.
• Cash withdrawal is restricted and not permitted at ATMs.

Rewards

• Versatile Usage: Accepted at all major merchant outlets and e-commerce sites across India, providing convenience for shopping, dining, travel bookings, food ordering, and bill payments.
• Gifting Flexibility: Ideal for all occasions, including birthdays, weddings, anniversaries, Mother’s Day, Father’s Day, Women’s Day, or any other formal/informal event.
• Recipient's Choice: Empowers the receiver to buy what they truly want, from gadgets and apparel to fancy meals, either online or at physical stores.
• Full Value Access: The entire loaded amount is available for spending without any deductions.
• Multiple Uses: Can be used at multiple stores/online sites until the balance lasts.
• Security: Transactions are secured with a PIN for in-store purchases and an OTP (One-Time Password) for online transactions.

Rewards Redemption Guide

• Redeeming the HDFC Bank GiftPlus Prepaid Card is straightforward: simply use it for purchases at any merchant outlet across India or on online sites, just like a regular debit card (excluding ATM withdrawals).

Card Eligibility Criteria

Who Can Apply

• Anyone with a valid PAN Card can apply for the HDFC Bank GiftPlus Prepaid Card.
• Anyone who wishes to gift their family, friends, or colleagues a gift of choice can apply.
• The card is available to both HDFC Bank account holders and non-HDFC Bank customers.

How to Apply

• For HDFC Bank Account Holders:
  • Log in to HDFC Bank NetBanking.
  • Navigate to Cards > Prepaid Cards > Purchase Gift Card.
  • Follow the on-screen instructions to complete the application.
• For Non-HDFC Bank Customers:
  • Visit the nearest HDFC Bank branch.
  • Fill out the application form.
  • Submit your PAN Card details along with the application form and a cheque for the amount to be loaded.
  • Provide a recent photograph and one Official Valid Document (OVD).

Documents Required

• A recent photograph.
• A cheque for the amount to be loaded (if not directly debited from an HDFC Bank account).
• Any one of the following Official Valid Documents (OVD):
  • Passport
  • Driving License
  • Voter's Identity Card issued by the Election Commission of India
  • Job card issued by NREGA duly signed by an officer of the State Government
  • Letter issued by the National Population Register containing details of the name and address
  • Aadhar card (If Aadhaar card is provided voluntarily, an Aadhaar consent form is mandatory).

Card Review

The HDFC Bank GiftPlus Prepaid Card is an excellent choice for individuals and organizations seeking a flexible and widely accepted gifting solution. Its primary strength lies in its versatility, allowing recipients to choose their desired items or services from a vast network of merchants, both online and offline. The card offers a generous 3-year validity, providing ample time for usage, and ensures secure transactions with PIN and OTP. While it is a one-time loadable card with a maximum limit of ₹10,000 and does not support ATM cash withdrawals, these are standard limitations for gift cards. The nominal issuance and balance inquiry fees are transparent. Overall, it's a convenient, secure, and thoughtful gift option that truly gives the gift of choice.

Important Product Details

• Card Type: One-time loadable prepaid card.
• Load Limit: Minimum ₹500, Maximum ₹10,000.
• Validity: 3 years from the date of card issuance.
• Usage: Accepted at all major merchant outlets and e-commerce sites across India.
• Cash Withdrawal: Restricted; not available at ATMs.
• Security: Secured with PIN for in-store transactions and OTP for online transactions.
• Management: Card tracking, balance inquiry, and other management features are available through HDFC Bank branches, NetBanking, or PhoneBanking.
• Personalization: Allows for personalized messages of up to 256 characters.

Other Details

• Card Management & Control: Through the Prepaid Card NetBanking portal, users can:
  • Check available balance.
  • Track transactions.
  • Set ATM PIN.
  • Block the card.
  • Change the registered mobile number.
  • View card statements.
  • Enable contactless and online payment services.
  • Set transaction limits.
• Card Inactivity: As per RBI guidelines, cards with no financial transaction for a consecutive period of 12 months will be made inactive by the bank after sending a notice to the cardholder. To unblock an inactive card, visit the Prepaid Card Portal or call Phone Banking. The card must be used before 12 AM on the day of unblocking, or it will be locked again.
• Expired Card: In case of card expiry, customers can visit their nearest branch or call Phone Banking for reissuance. The balance from the old card will be transferred to the new card.
• Legal Disclaimers: Prepaid Card approvals are at the sole discretion of HDFC Bank Limited and are subject to documentation and verification as per the Bank's requirements. Terms and conditions apply to all banking offerings.