HDFC Bank Regular Debit Card – Benefits, Fees & Eligibility

Introduction

The HDFC Bank Regular Debit Card is a convenient and user-friendly card designed for existing HDFC Bank customers. It is available for Non-Resident (External) Account Holders and Resident Indians holding Salary, Savings, Current, SuperSaver, or Loan Against Shares (LAS) Accounts. This card offers high daily transaction limits, global support through Visa and MasterCard, zero liability for fraudulent POS transactions, and convenient contactless payment options. It also allows cash withdrawals at merchant establishments. Please note that the new issuance of this card has been stopped; it is only available for reissuance or renewal to existing customers.

Transaction Limits & Usage

• Daily Shopping Limits (Domestic & International Combined): ₹2.75 lacs.
• Daily ATM Withdrawal Limits (Domestic & International Combined): ₹25,000.
• Cash Withdrawal Facility at Merchant Establishments: Maximum upper limit of ₹2,000 per transaction, with a maximum monthly limit of ₹10,000.
• ATM Cash Withdrawal Limit for First 6 Months (from Account Opening Date): Capped at ₹0.5 Lakhs per day and ₹10 Lakhs per month.
• ATM Cash Withdrawal Limit for Accounts Older than 6 Months: Capped at ₹2 Lakhs per day and ₹10 Lakhs per month.
• Contactless Payment Limit: ₹5,000 for a single transaction without requiring a PIN. For transactions equal to or higher than ₹5,000, the cardholder must enter the PIN for security reasons.
• Global Support: The card offers global support with Visa and MasterCard services.
• Domestic and International Usage Controls:
  • Cards issued effective 1st October 2020 are enabled only for Domestic usage (PoS & ATM) by default.
  • Domestic (E-commerce & contactless) and international usage can be enabled or modified via MyCards, NetBanking, Mobile Banking, WhatsApp Banking (70-700-222-22), Ask Eva, or Toll-free numbers (1800 1600 / 1800 2600 from 8 am to 8 pm). Customers traveling overseas can reach 022-61606160.
  • NRO Debit Cards will continue to be enabled only for domestic usage as per regulatory mandate.

Fees and Charges

• Joining Membership Fee: ₹150 + Applicable Taxes.
• Annual Fees: ₹150 + applicable taxes.
• Replacement/Reissuance Charges:
  • ₹200 + applicable taxes (effective December 1, 2016).
  • ₹240 + taxes (effective 1st May 2026).
• ATM PIN Generation: NIL.
• Usage Charges:
  • At merchant locations for shopping: No charges.
  • Railway Stations: ₹30 per ticket plus 1.8% of the transaction amount.
  • IRCTC: 1.8% of the transaction amount.
  • Petrol Pumps: Transaction charges as per industry practices will be applicable.

Rewards & Offers

• The HDFC Bank Regular Debit Card does not offer CashBack.
• Cardholders can check Reward Points via the MyCards platform, though specific details on earning or redemption are not provided.

Account & Eligibility Criteria

• Eligible Account Holders:
  • Non-Resident (External) Account Holders.
  • Resident Indians who hold one of the following accounts: Salary Account, Savings Account, Current Account, SuperSaver Account, or Loan Against Shares Account (LAS).
• Important Note: The new issuance of the HDFC Bank Regular Debit Card has been stopped. It is only available for re-issuance or renewal to existing customers. Charges will be applicable according to eligibility and the new Debit Card variant dispatched.

Debit Card Review

• Overall Verdict: The HDFC Bank Regular Debit Card is a convenient and user-friendly option for existing HDFC Bank customers, providing easy access to funds with robust security features and flexible transaction limits.
• Pros:
  • Offers high daily limits for ATM withdrawals and shopping.
  • Provides a cash withdrawal facility at merchant establishments.
  • Equipped with contactless payment technology for quick transactions.
  • Ensures zero liability for fraudulent POS transactions, enhancing security.
  • Benefits from global assistance through Visa and MasterCard networks.
  • Allows comprehensive card management and controls via the MyCards platform.
• Cons:
  • An annual fee of ₹150 plus taxes applies.
  • Does not offer any cashback program.
  • New issuance of the card has been stopped, limiting its availability to reissuance or renewal for existing cardholders.
  • Specific transaction charges are applicable at railway stations, IRCTC, and petrol pumps.
• Who Should Apply: This card is suitable for existing HDFC Bank customers who require a replacement or renewal of their current Regular Debit Card and value high transaction limits, security features, and convenient card management over cashback rewards.

Important Product Details

• Card Type: Debit Card.
• Network: Supported by Visa and MasterCard services.
• Key Features: High daily transaction limits, zero liability on fraudulent POS transactions, cash withdrawal facility at merchant establishments, and contactless payment enabled.
• Card Management: Comprehensive controls are available via the MyCards mobile-based service platform, including registration, activation, PIN setup, managing online/contactless spends, viewing transactions, downloading e-statements, checking reward points, and blocking/re-issuing the card.
• RBI Guidelines Compliance: As per RBI guidelines, all Debit Cards issued effective 1st October 2020 are enabled only for Domestic usage (PoS & ATM) by default. Other usages (E-commerce, contactless, international) require explicit activation by the user.
• NRO Debit Card Restriction: NRO Debit Cards are enabled only for domestic usage as per regulatory mandate.

Other Details

• The card offers zero liability on fraudulent POS transactions.
• Cardholders can dynamically change (increase or decrease) their debit card limits via NetBanking to suit their needs, up to the permissible limits.
• The Regular Debit Card is enabled for Contactless Payments at retail outlets.
• MyCards is a mobile-based service platform that facilitates convenient activation and management of the Regular Debit Card on the go, without the need for passwords or downloads.
• Detailed fees and charges, along with the Most Important Terms and Conditions, are available on the bank's website.