• Get 1 Cashback point on every Rs. 200 spent on Telecom, Utilities, Groceries & Supermarket, Restaurant & Apparels, Entertainment. 
• Maximum cap of Rs. 750 per card per month
• Cashback points need to be redeemed through NetBanking in multiples of 100
• Customer can view the cashback points in NetBanking within 2 working days from the date of transaction. However, in case of a technical glitch, the cashback will be credited by 30th of the subsequent month.
• No cashback points for all other categories apart from the ones above. 
• Customers will receive cashback points on eligible MCC (Merchant Category Code) only. MCCs are categorised basis the nature of business by card networks (Visa/MasterCard/Rupay)
  Bank at its discretion can review the list of eligible MCCs and reclassify them basis network categorization
• Cashback points earned will be valid for redemption within the next 12 months after which your Cashback points will lapse.  
• No maximum capping on redemption subject to availability. 
• A minimum of 100 points needs to be accumulated for redemption. 
• Cashback point on every Rs. 200 spent on Telecom, Utilities, Groceries & Supermarket, Restaurant & Apparels, Entertainment
•  All promotional Cashback points earned on your Debit Card will have a validity of 3 months, post which the accumulated points will expire effective February, 2020.
• Cashback points in the existing Debit Card variant will not be transferred if a card is upgraded to a new Debit Card variant.
• Customer is not eligible for redemption of cashback points on account closure
• Cashback Points are earned on eligible Merchant Category Codes (MCC).
•  MCCs are categorised basis the nature of business by card Networks (Visa/ Mastercard/ Rupay)
• Credit Card BillPay transactions made through Debit Card will NOT earn any CashBack points with immediate effect as this is not an eligible category for the same.

How to Redeem?

1. Through NetBanking

Login >> Pay >> Cards >> Debit Cards >> Debit Cards Summary >> Actions >> Redeem Reward Points

• Annual fees: ₹300 + taxes
• Replacement/Reissuance: ₹240 + taxes *W.e.f. 1st May 2026
• Click here for more details

Offered to both Residents and NREs 

Resident Indians should hold one of the following: 

• Savings Account 

• Current Account 

No additional documents are required for issuing the Woman’s Advantage Debit Card to existing HDFC Bank account holders. When the card expires, a new card is automatically sent to the registered address.

MyCards, a mobile-based service platform for all Debit Card needs, facilitates convenient activation and management of your Woman’s Advantage Debit Card on the go. It ensures a seamless experience without the need for passwords or downloads.  

• Debit Card Registration & Activation  

• Set up Card PIN  

• Manage Card Controls like Online Spends, Contactless Transactions, etc.  

• View Transactions / Download e-Statements  

• Check Reward Points  

• Apply for an Add-on Card, Manage, Set PIN and Card Controls for Add-on card

International card 

• Travel with confidence and ease with this globally accepted card 

Safety 

• Stay protected against unauthorised use with the EMV Chip Card technology in your card 

• Be assured of zero liability on lost card after reporting the loss 

High spending limit 

• Withdraw up to ₹25000 a day at ATMs and spend up to ₹2.75 lakhs at merchant establishments 

• Cash withdrawal facility can now be availed across merchant establishments with a maximum upper limit of ₹2,000/transaction on your HDFC Bank Debit Cards, maximum Cash at POS limit per month is of ₹10,000.

Please login to NetBanking to change (Increase or decrease) the limit* on your Debit Card to suit your needs. Please note the limits can be increased up to the permissible limits on your Debit Card.  

Dynamic Limits 

ATM cash withdrawal limit is capped at ₹50,000/day and ₹10 lakh/month for the first 6 months from the Account opening date.    

For accounts older than 6 months, the ATM cash withdrawal limit is capped at ₹2 lakh/day and ₹10 lakh/month, effective immediately. 

Click here for FAQs. 

Pay Bills or Shop online using your HDFC Bank Debit Card by using Verified by Visa/ MasterCard Secure Code service. 

Click here for exciting offers.

Redemption Limits

• Maximum cap of ₹750 per card per month, effective May 15, 2017. 

• Redeem CashBack points through NetBanking in multiples of 100. 

• CashBack points are valid for redemption within the next 12 months. 

Locker Fee Discount

• 50% discount on locker fees for the first year.

Zero Cost Liability

• Zero cost liability to any fraudulent Point of Sale transactions that take place up to 90 days before reporting the card loss. Click here. 

Please note: Claims under checked baggage will apply if the insured is travelling on tour and/or on holidays to a location outside India, to the intrinsic value of the accompanied personal baggage belonging to the cardholder, so lost because of fire, theft, burglary and accident of travelling vehicle. Effective July 1, 2014, all Debit Card holders are required to use their Debit Card at retail or on-line stores at least once every 30 days to keep the free Personal Death Insurance cover on their Debit Card active. 

No Cost EMI 

• No cost EMI on leading brands of electronics, furniture, apparel, smartphones etc.   

• Convert any purchases above ₹5,000 into EMI.  To check the pre-approved eligible amount on your Debit Card , SMS "MYHDFC" to 5676712 from your bank registered mobile number. Click here for detailed terms and conditions.   

Please login to NetBanking to change (Increase or decrease) the limit* on your Debit Card to suit your needs. Please note the limits can be increased up to the Permissible limits on your Debit Card. *For Security reasons, ATM cash withdrawal limit is capped at ₹0.5 lakh per day and ₹10 lakh per month for first 6 months from Account opening date.  

For accounts older than 6 months, ATM cash withdrawal limit is capped at ₹ 2 lakh per day and ₹ 10 lakh per month. This is implemented with immediate effect.  
In case your Debit Card is enabled for ATM and POS usage but still you are facing issues while doing transactions, please click here for FAQs.

Woman’s Advantage Debit Card is enabled* for Contactless Payments at retail outlets.  The HDFC Bank Debit Card is enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets.  
*To see if your Card is contactless, look for the contactless network symbol on your Card. You can use your Card to make quick transactions at merchant locations accepting contactless Cards.  
Information on Contactless Debit Card - Click Here 

• Please note that in India, payment through contactless mode is allowed for a maximum of ₹5,000 for a single transaction where you are not asked to input your Debit Card PIN. However, if the amount is higher than or equal to ₹5,000, the Card holder has to enter the Debit Card PIN for security reasons. 

• As per RBI guidelines RBI/2019-2020/142 DPSS.CO.PD No. 1343/02.14.003/2019-20 dated 15 January 2020, all Debit Cards issued effective 1 Oct' 2020, are or will be enabled only for Domestic usage (PoS & ATM) and disabled for Domestic (E-commerce & contactless) and International usage. This is to improve user convenience and increase the security of card transactions. 

• You can enable or modify Domestic & International transactions limits on ATM / PoS / E-commerce / Contactless please visit MyCards / NetBanking / Mobile Banking / WhatsApp Banking- 7070066666 / Ask Eva / Call Toll-free Number 1800 1600 / 1800 2600 (from 8 am to 8 pm) Customers travelling overseas can reach us at 022-61606160.  

• *NRO Debit Card will continue to be enabled only for domestic usage as per regulatory mandate. 

• Contactless per day limit is of transaction ₹5,000

• *The Most Important Terms and Conditions for each of our banking offerings features all the specific terms and conditions that govern their use. You must go through it thoroughly to fully understand the terms and conditions applicable to any banking product you choose.
• Important information: Your Card Member Agreement, Most Important Terms & Conditions and Other Important documents pertaining to your Debit Card can be accessed digitally. Click here.