HDFC Bank, one of the top banks in India, provides its customers with as many as 19 debit cards. These cards range from basic HDFC Millennia & MoneyBack cards to high-end Infinity & Imperia cards, depending on the customer’s profile. On using these cards, you can earn cashback points & reward points that can be redeemed later.
Let’s know about the best HDFC debit cards & everything else.
Top HDFC Bank Debit Cards in 2023
The below-mentioned are the best HDFC debit cards along with their charges, withdraw limit and key features:
Best HDFC Debit Cards 2023 | |||
HDFC Debit Card | Cash Withdrawal Limit | Annual Fee | Salient Features |
Basic Cards | |||
HDFC Millennia Debit Card | ATM: Rs 50,000 Domestic Shopping: Rs 3.5 lakhs International Shopping: Rs 1 lakh | Rs 500 | Up to Rs 4800 cashback annually 2.5% cashback on online spends 1% cashback on offline spends Base Personal Accident Cover of Rs 5 lakhs |
HDFC MoneyBack Debit Card | ATM: Rs 25,000 Online Domestic: Rs 3 lakhs | Rs 200 | 1% cashback on fuel, insurance, education, etc. Rs 500 worth voucher after 1st transaction Purchase above Rs 5,000 can be converted to EMI |
High-End Cards | |||
HDFC Infiniti Debit Card (invite only) | ATM: Rs 2 lakhs POS/Online Limit: Rs 10 lakhs | Disclosed by the bank to its invite-only customers | 16 domestic airport lounge accesses 8 golf visits (games/lessons) Taj vouchers on every Rs 3 lakhs spent Zero liability on online frauds (for up to Rs 10 lakhs spent) |
HDFC Imperia Platinum Chip Debit Card (only for Imperia customers) | ATM: Rs 1 lakhs Domestic shopping: Rs 5 lakhs | Rs 750 | No cost EMI Air/Road/Rail insurance up to Rs 12 lakhs |
Shopping/Rewards Debit Cards | |||
HDFC Times Points Debit Card | ATM: Rs 1 lakhs Domestic Shopping: Rs 3.5 lakhs | Rs 650 | Min. 10% discount on online shopping, dining, grocery & entertainment Cashback up to Rs 1,800 per year |
HDFC EasyShop Rewards Debit Card | ATM: Rs 50,000 Domestic Shopping: Rs 3.5 lakhs | Rs 500 | Up to 2000 reward points/ month 1 reward point = Rs 0.30 Insurance cover of Rs 5 lakhs |
Note: Charges mentioned above attract applicable GST.
Types of HDFC Debit Cards
The below-mentioned are the multiple variants of HDFC debit cards:
HDFC Bank EasyShop Platinum Debit Card
HDFC EasyShop Platinum debit card is a popular HDFC debit card that offers various benefits like cashback points on every purchase of minimum Rs 100/Rs 200, airport lounge access, fuel surcharge reversal and more. This debit card allows maximum ATM withdrawals of up to Rs 2 lakhs per day. There is a direct 5% cashback on using this HDFC EasyShop debit card on PayZapp & SmartBuy.
HDFC MoneyBack Debit Card
This is the basic debit card by HDFC with an annual fee of Rs 200 and daily usage limit of Rs 25,000 and Rs 3 lakhs for ATM and online/POS purchases. It offers 1% cashback on fuel, insurance, education, etc. You can also convert your purchases of above Rs 5,000 into HDFC debit card EMI.
HDFC Millennia Debit Card
HDFC Millennia debit card comes with an annual fee of Rs 500 with zero joining fee and offers up to Rs 4,800 annual cashback. When used online, it offer 2% cashback and it is 1% on offline transactions. Its daily ATM usage is set at Rs 50,000.
HDFC Imperia Platinum Chip Debit Card
HDFC Imperia debit card is only for the customers who have an Imperia level account with HDFC Bank. It has an annual fee of Rs 750 and ATM limit of Rs 1 lakh (daily). There is also an offer of converting your purchases into no cost EMIs. Another premium debit card by HDFC is HDFC Infinity Debit Card which offered to select customers via invite only.
HDFC EasyShop Rewards Debit Card
This is a shopping or rewards debit card by the HDFC Bank which offers up to 2,000 reward points per month where 1 reward point = Rs 0.30. There is an annual fee of Rs 500. Usage limit is Rs 50,000 (ATM) and Rs 3.5 lakhs (domestic shopping).
HDFC Times Points Debit Card
The HDFC Times Points card comes with daily ATM limit of Rs 1 lakh and Rs 3.5 lakhs as daily domestic purchases. You need to pay an annual fee of Rs 650 for this HDFC debit card. Minimum 10% discount on online shopping, dining, grocery & entertainment with up to Rs 1,800 cashback per year.
HDFC EasyShop Preferred Platinum Debit Card
The HDFC EasyShop Preferred Platinum Debit Card is a premium debit card offered by HDFC Bank to its high-value customers. It comes with a range of benefits, including higher withdrawal and transaction limits, exclusive offers on shopping, dining, and travel, complimentary airport lounge access, and zero liability protection against fraudulent transactions.
HDFC EasyShop Classic Platinum Debit Card
The HDFC EasyShop Classic Platinum Debit Card is a premium debit card offered by HDFC Bank to its customers. It offers cashback on purchases, higher transaction limits, and special discounts on dining, shopping, and travel.
HDFC EasyShop Platinum Debit Card
The HDFC EasyShop Platinum Debit Card is another premium debit card provided by HDFC Bank to its customers. It comes with a range of benefits, including higher transaction limits, cashback on purchases, and special discounts on dining, shopping, and travel. The card also offers zero liability protection against fraudulent transactions and rewards points that can be redeemed for various products and services.
HDFC EasyShop Business Debit Card
HDFC EasyShop Business Debit Card is designed for business owners and offers benefits such as cashback on business expenses, higher transaction limits, and discounts on business-related services.
HDFC RuPay Premium Debit Card
HDFC RuPay Premium Debit Card is a premium debit card that offers cashback on fuel expenses, discounts on lifestyle, dining, and entertainment, and a range of other exclusive benefits. As the name suggests, this HDFC debit card is powered by RuPay.
HDFC EasyShop RuPay NRO Debit Card
HDFC EasyShop RuPay NRO Debit Card is designed for Non-Resident Indians (NRIs) with benefits such as higher transaction limits, international acceptance, and special offers on shopping, dining, and travel.
HDFC InterMiles HDFC Signature Debit Card
HDFC InterMiles HDFC Signature Debit Card is a travel-oriented debit card that offers exclusive InterMiles rewards, complimentary lounge access, and discounts on travel bookings.
HDFC EasyShop Debit Card
HDFC EasyShop Debit Card is a basic debit card that offers cashback on purchases, discounts on dining and shopping, and zero liability protection against fraudulent transactions.
HDFC EasyShop Woman’s Advantage Debit Card
HDFC EasyShop Woman’s Advantage Debit Card is designed exclusively for women and offers special benefits such as cashback on shopping, higher transaction limits, and discounts on health and wellness services.
HDFC EasyShop Titanium Royale Debit Card
HDFC EasyShop Titanium Royale Debit Card is a premium debit card that offers higher transaction limits, cashback on purchases, and discounts on lifestyle, dining, and entertainment.
HDFC EasyShop NRO Debit Card
HDFC EasyShop NRO Debit Card is designed for Non-Resident Ordinary (NRO) account holders with benefits such as higher transaction limits, international acceptance, and zero liability protection.
HDFC EasyShop Gold Debit Card
HDFC EasyShop Gold Debit Card offers cashback on purchases, discounts on lifestyle and dining, and zero liability protection against fraudulent transactions.
HDFC Jet Privilege HDFC Bank World Debit Card
HDFC Jet Privilege HDFC Bank World Debit Card is a premium travel-oriented debit card that offers exclusive JetPrivilege rewards, complimentary lounge access, and discounts on travel bookings.
What is the HDFC Debit Card Eligibility Criteria?
Debit cards are offered to those who have a bank account, either savings account or a current account and every bank has its own set of criteria. HDFC debit cards are offered to Resident and NRE individuals who have any of the following accounts with HDFC Bank:
- Savings Account
- Current Account
- SuperSaver Account
- Loan Against Shares Account (LAS)
- Salary Account
- Corporate Salary Accounts
How to Apply for HDFC Debit Card?
Upon opening a savings or current account with HDFC Bank, the bank provides a basic debit card as per your eligibility and need. This way, you don’t separately have to apply for a debit card. However, if you’re looking for a debit card with better benefits, you always ask the bank officials. If you’r account is eligbile, you’d be offered with a higher/premium version of your exisiting HDFC debit card. ou will be issued with a functional Debit Card within 2-3 days of your application.
How to Apply for an HDFC debit card offline?
You can apply for an HDFC debit card through the following steps:
- Visit the HDFC Bank website or nearest HDFC branch and choose the type of debit card that suits your needs.
- Fill out the HDFC debit card application form with your personal and account details.
- Submit the application form along with the necessary documents, such as identity and address proof.
- Your application will be processed by HDFC Bank, and upon approval, you will receive your new debit card within 7-10 working days.
How to Apply for an HDFC Debit Card Online?
Alternatively, you can also apply for an HDFC debit card through net banking or mobile banking. Simply log in to your HDFC Bank net banking or mobile banking account, go to the “Cards” section, and choose the type of debit card you want to apply for. Follow the steps as prompted, and your debit card will be delivered to your registered mailing address.
How to Activate HDFC Debit Card?
You can activate your HDFC debit card online via netbanking and offline via ATM. Let’s see how:
Steps to Activate HDFC Debit Card Online
- Log into your HDFC netbanking account
- Go to Debit Card section
- Opt to Generate ATM PIN
Steps to Activate HDFC Debit Card Offline
- Go to HDFC ATM
- Chip in your debit card
- Enter the ATM PIN provided to you in envelope by the bank
- Now change your Debit ATM PIN as prompted
Please note that in both the cases, you’ll be sent an OTP on your regd. mobile number. Provide this to authenticate.
How to Generate HDFC Debit Card PIN?
If you’re wondering how to generate PIN for your HDFC Debit Card, read on:
You can generate your HDFC Bank debit card PIN easily anytime either at an HDFC ATM or via netbanking. You can also call at the following HDFC customer care number and generate your PIN via IVR:
1860 2660 333
For HDFC Debit card PIN generation through ATM:
- Insert your debit card
- Select PIN Change from the menu
- Enter your existing PIN & confirm
- Create new 4-digit PIN
If you’re facing troubles in your HDFC debit card activation or PIN generation, we suggest you call on HDFC customer care number and sort the issues at the earliest.
Check debit cards offered by other banks:
HDFC Debit Card: FAQs
Only HDFC Times Points debit card is available for online application. For every other HDFD debit card, you need to contact the branch and check your eligibility for an upgraded debit card.
While HDFC Millennia and MoneyBack are good basic-level debit cards, there are HDFC Infinity and Imperia Platinum debit cards for premium customers. If you’re looking for a debit card that helps you save on online shopping, you can choose from the HDFC times points card and HDFC EasyShop Rewards debit card.
Resident as well as NRE individuals are eligible for HDFC debit cards.
A debit card e-mandate is a facility which helps customers put standing instructions for regular/recurring payments. These instructions can be set via netbanking.
Annual charges for HDFC debit cards starts from Rs 200 and go up to Rs 750, based on the type of debit card issued.
HDFC Platinum debit card is a popular cashback-earning debit card which offers 1 cashback point on every Rs 200 spent on Groceries & Supermarket, Restaurant & Apparels, Entertainment for up to Rs 750 per month. This HDFC Platinum debit card is eligible for No cost EMI on purchase of more than Rs 5,000.
