GIGA Business Debit Card

Debit Card- EMI

• Enjoy no cost EMI on leading brands on electronics, furniture, apparels, smart phones and much more

• Convert any purchases above Rs 5000/- into EMI

• To check pre - approved eligible amount on your Debit Card

• SMS "MYHDFC" to 5676712 from your Bank Registered mobile number For detailed offers & T&C's please visit: hdfc.bank.in/easyemi

Make Payments More Rewarding with SMARTBUY: Earn Up to 5% CashBack on your Debit Card on transacting through SmartBuy

Higher Debit Card Limits

• 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.

Comprehensive Insurance

• 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.

• In the event the Insured Person(s) having multiple Cards issued by the Insured named in the Schedule, the Insurance Policy shall be applicable only for the Card, which has the highest POS amount.

• If an account holder has 2 cards on the same account which is eligible for insurance cover- then the lower of the insurance amount offered as a feature on the card will be paid out.

• CashBack Points can be earned for every transaction greater than ₹ 250

• Maximum aggregate Cashback Points per account per month is ₹ 500

• Cashback Points need to be redeemed through NetBanking in multiples of ₹ 250, no maximum capping on redemption subject to availability

• Customer can view the points in NetBanking in 2 working days from the date of transaction

• In case purchase / transaction is returned / cancelled / reversed, Cashback points toward posted towards transactions will be reversed

• CashBack Points will be valid for redemption within the next 12 months after which your CashBack Points will lapse

• All promotional CashBack points earned on your Debit Card will have a validity of 3 months, post which the accumulated points will expire

• 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

• No CashBack points for all other categories apart from the one above

• CashBack Points are earned on eligible Merchant Category Codes (MCC) only

• 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.

Please note:
In case if an account has two customers with both customers holding a GIGA Business Debit Card each (under the same account number), all eligible transactions done on both cards shall be entitled to receive maximum of 500 Cashback points per month at the account level. 
 
Example: Account A has two cardholders 1 and 2 both holding GIGA Business Debit Card. For all eligible transactions done on Card 1 shall be capped at 500 points per month and Card 2 shall be capped at 500 points per month. Cumulative Cashback at account level shall be capped at 500 Cashback points per month. 
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How to Redeem?
1. Through NetBanking 
Login >> Pay >> Cards >> Debit Cards >> Debit Cards Summary >> Actions >> Redeem Reward Points

Lounge Access

• 4 Complimentary Lounge Access Annually, based on spends of ₹​​​​​​​10,000 (1 per Calendar Quarter)

• Effective 10th January 2026, you will get complimentary lounge benefit only if you spend ₹10,000 or more in the calendar quarter. Click here for more details.

Fuel Surcharge

• Effective 1st January 2018, Fuel Surcharge would not be applicable for the transactions done on HDFC Bank swipe machines.

Zero Liability

• You will not have any liability to any fraudulent Point of Sale transactions on the Debit Card, which take place up to 30 days prior to reporting the card loss. Click Here for more details. 
• If you lose your Debit Card, call Phonebanking or visit the nearest HDFC Bank branch.

• Your GIGA Business Debit Card is contactless. Enjoy safe and quick payments at retail locations.  
• 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 ₹ 5000 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 ₹ 5000, the Card holder must enter the Debit Card PIN for security reasons.

• Only GIG Accounts opened in Product Code - 1311 (GIGA Savings Account) can apply for GIGA Business Debit Card

MyCards, a mobile-based service platform for all debit card needs, facilitates convenient activation and management of GIGA Business 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
  
• Check Reward Points
  
• Block/Re-issue card

• As per RBI guidelines RBI/2019-2020/142 DPSS.CO.PD No. 1343/02.14.003/2019-20 dated 15th January 2020, all Debit Cards issued effective 1st 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- 70-700-222-22 / 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.

• A GIGA Savings Account by HDFC Bank is all you need to get a GIGA Business Debit Card.

• Don't have a HDFC Bank Account?
  Download the Account Opening form, print it, and enter your information. This form will include the International Debit Card application - there's no need to fill two forms. Take the submission to your closest HDFC Bank branch and we'll complete the process.

Annual fees

• Annual fee per Card ₹250 + applicable taxes

• Replacement/Reissuance Charges for Debit Cards - ₹240 + applicable taxes

• Charge slip retrieval request: ₹100*

• Please Note: 
  There are no charges for using the Debit Card at merchant locations for shopping and at HDFC Bank ATMs. However, at railway stations and petrol pumps, transaction charges as per industry practices will be applicable.

To know other fees & Charges on Debit Card, click here

Click here for the Key Fact Sheet.

• *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.