Gold debit card

What's in store for you

Gold debit card

More Benefits Than Ever Before

Exclusive Benefits:

  • 1% CashBack on retail and online shopping, up to ₹750 per month, for every ₹200 spent.

  • 1 CashBack point on every ₹100 spent on PayZapp, SmartBuy, Telecom, and Utilities

  • Surcharge waiver on fuel purchases at government petrol pumps.

  • Pay conveniently for all your shopping with a spending limit of up to ₹2.75 lakh.

  • Cash withdrawal facility available at merchant establishments, with a maximum limit of ₹1,000 per day.

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Additional Benefits

More about the card

Fees & Renewal

  • Annual fees: ₹750 plus taxes.

  • Replacement / Reissuance charges: ₹200 plus applicable taxes, effective December 1, 2016

  • ATM Pin Generation - NIL

  • Usage charges:

    • Railway Stations: ₹30 per ticket plus 1.80% of the transaction amount.

    • IRCTC: 1.80% of the transaction amount.

  • Click here for key fact sheet.

  • Click here for terms and conditions.

  • Click here for detailed fees and charges.
Fees & Renewal

Card Management & Control 

MyCards, a mobile-based service platform for all debit card needs, facilitates convenient activation and management of your Gold 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 

  • Block/ Re-Issue Card 

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

Card Management & Control 

Validity

  • Unredeemed Cashback points will expire/ lapse after 12 months of accumulation
Validity

Maximise Rewards on Times Points Debit Card with SmartBuy

Maximise Rewards on Times Points Debit Card with SmartBuy

Contactless Payment

  • Gold 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 ₹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 has to enter the Debit Card PIN for security reasons.

  • Kindly note, effective 1 June 2015, Movida service will be discontinued for HDFC Bank Debit Cards.

  • Please Note - In case purchase/ transaction is returned/ cancelled/ reversed, cashback points toward posted towards transactions will be reversed.

  • Important Note

  • 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 ₹5000

Contactless Payment

Zero Lost Card Liability

  • No liability for fraudulent Point of Sale transactions on the debit card up to 90 days before reporting the card loss. Click here to know more
Zero Lost Card Liability

Documents Required

  • Please Note: The new issuance of the Gold Debit Card has been stopped. In case of issuance or renewal of your existing Gold Debit Card, you will receive a superior variant "Platinum Debit Card". The charges will be applicable as per your eligibility and new debit card variant. 
  • Please  click here  to know more about the features, benefits, and charges of a Platinum Debit Card.
Documents Required

Most Important Terms and Conditions

  • *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.
Most Important Terms and Conditions

Frequently Asked Questions

The benefits of Gold Debit Card include CashBack on retail and online shopping, surcharge waiver on fuel purchases, comprehensive insurance coverage, EMV Chip technology for enhanced security, and convenient bill payments.

To use an HDFC Bank Gold Debit Card, you can swipe it at the point of sale terminal or use it for online transactions. For ATM transactions, insert the card into the machine, enter your PIN, and follow the on-screen instructions to withdraw cash or check your balance. The card is linked directly to your bank account, so all transactions are deducted from your account immediately.

The Gold Debit Card comes with an annual fee of ₹750 + taxes. However, please note that the issuance of new EasyShop Gold Debit Cards has been stopped and existing cardholders may receive a superior variant called "Platinum Debit Card" with applicable charges based on eligibility

Gold Debit Card is a premium Debit Card that offers exclusive rewards, CashBack accessible on retail and online shopping, travel benefits, insurance coverage, and enhanced security features.