HDFC Bank Regular Debit Card – Benefits, Fees & Eligibility

Introduction

The HDFC Bank Regular Debit Card is a convenient and user-friendly card designed for accessing funds and enjoying various banking features. Positioned as a standard offering, it provides high daily limits for ATM withdrawals and shopping, global support through Visa and MasterCard services, and zero liability on fraudulent POS transactions. A key point to note is that the new issuance of this card has been stopped; it is now primarily available for reissuance or renewal to existing customers. It also supports contactless payments.

Fees

• Joining Membership Fee: ₹150 + Applicable Taxes
• Annual Fee: ₹150 + Applicable Taxes
• Replacement/Reissuance Charges: ₹200 plus applicable taxes (effective December 1, 2016)
• ATM PIN Generation: Nil
• Usage Charges:
  • At railway stations: ₹30 per ticket plus 1.8% of the transaction amount
  • For IRCTC transactions: 1.8% of the transaction amount
• There are no charges for using the Debit Card at domestic merchant locations for shopping or on websites.
• Transaction charges as per industry practices will be applicable at petrol pumps.

Rewards

• Daily Shopping Limits (Domestic & International Combined): ₹2.75 lakhs
• 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 Cash at POS limit of ₹10,000 per month.
• ATM Cash Withdrawal Limits for Security Reasons:
  • Capped at ₹0.5 lakhs per day and ₹10 lakhs per month for the first 6 months from account opening date.
  • Capped at ₹2 lakhs per day and ₹10 lakhs per month for accounts older than 6 months.
• Contactless Payment:
  • Enabled for contactless payments at retail outlets.
  • Maximum contactless payment limit in India is ₹5,000 for a single transaction where PIN is not required. For amounts equal to or higher than ₹5,000, PIN entry is mandatory for security reasons.
  • Contactless per day transaction limit is ₹5,000.
• The HDFC Bank Regular Debit Card does not offer CashBack.

Card Eligibility Criteria

• Who Can Apply (for reissuance/renewal):
  • Non-Resident (External) Account Holders
  • Resident Indians who hold one of the following accounts:
    • Salary Account
    • Savings Account
    • Current Account
    • SuperSaver Account
    • Loan Against Shares Account (LAS)
• Important Note: The new issuance of the Regular Debit Card has been stopped. For re-issuance or renewal, the same variant will be dispatched to the customer.

Card Review

The HDFC Bank Regular Debit Card is a foundational debit card offering from HDFC Bank, primarily serving existing customers for reissuance or renewal as new issuance has been discontinued. It is suitable for individuals seeking a reliable card for daily transactions with robust security features and decent spending limits.

• Pros:
  • High daily shopping and ATM withdrawal limits.
  • Zero liability on fraudulent POS transactions.
  • Global support from Visa and MasterCard.
  • Contactless payment enabled for convenience.
  • Cash withdrawal facility at merchant POS.
• Cons:
  • New issuance has been stopped, limiting access to new customers.
  • Incurs an annual fee and reissuance charges.
  • Does not offer cashback or specific reward programs.
  • Usage charges apply for specific transactions like railway bookings and petrol pumps.
• Who Should Apply: This card is primarily for existing HDFC Bank customers who currently hold or previously held a Regular Debit Card and require a reissuance or renewal. It serves as a functional tool for managing funds and daily expenses.

Important Product Details

• Issuance Status: New issuance of the Regular Debit Card has been stopped. It is available only for reissuance or renewal.
• Daily Shopping Limits: ₹2.75 lakhs (Domestic & International Combined).
• Daily ATM Withdrawal Limits: ₹25,000 (Domestic & International Combined).
• Cash at POS: Maximum ₹2,000 per transaction, up to ₹10,000 per month.
• Security-based ATM Cash Withdrawal Limits:
  • ₹0.5 lakhs per day and ₹10 lakhs per month for the first 6 months from account opening.
  • ₹2 lakhs per day and ₹10 lakhs per month for accounts older than 6 months.
• Contactless Payments: Enabled, with a maximum single transaction limit of ₹5,000 without PIN in India, and a daily limit of ₹5,000.
• Zero Liability: Enjoy zero liability on fraudulent POS transactions.
• Global Support: Supported by Visa and MasterCard services.
• No Cashback: The card does not offer cashback.
• RBI Guidelines (Effective Oct 1, 2020): All Debit Cards issued effective October 1, 2020, are enabled only for Domestic usage (PoS & ATM) and disabled for Domestic (E-commerce & contactless) and international usage by default. Users can enable/modify these limits via NetBanking, Mobile Banking, MyCards, etc.
• NRO Debit Card: Will continue to be enabled only for domestic usage as per regulatory mandate.

Other Details

• Card Management via MyCards: A mobile-based service platform (mycards.hdfcbank.com) for convenient management, including:
  • Debit Card Registration & Activation
  • Setting up Card PIN
  • Managing Card Controls (Online Spends, Contactless Transactions, etc.)
  • Viewing Transactions / Downloading e-Statements
  • Checking Reward Points
  • Blocking/Re-Issuing Card
• Dynamic Limits: Limits can be changed (increased or decreased) via NetBanking up to permissible limits.
• Customer Support:
  • For enabling/modifying Domestic & International transactions limits on ATM / PoS / E-commerce / Contactless, visit MyCards / NetBanking / Mobile Banking / WhatsApp Banking (70-700-222-22) / Ask Eva / Call Toll-free Number 1800 1600 / 1800 2600 (8 am to 8 pm).
  • Customers travelling overseas can reach at 022-61606160.
• General Usage: The card can be used by swiping or dipping at merchant terminals, for online transactions by entering card details, and for cash withdrawals at ATMs.
• Terms and Conditions: Detailed terms and conditions for banking offerings are available and should be reviewed thoroughly.