• Only HDFC Bank customers who open a Senior Citizen Savings Account are eligible for the Rewards Debit Card. The card is issued on Account Opening.* Issuance of Card is sole discretion of the bank. 
• No additional documents are required for issuing the Rewards Debit Card to existing HDFC Bank account holders. When the card expires, a new card is automatically sent to the registered address.

Insurance Cover

• Get additional International Air Coverage of flat ₹25 lakh on purchase of air ticket using your Debit Card. (For International Air Tickets booked using HDFC Bank Rewards Debit Card.). Click here to know more. 

• All Debit Card holders are required to use their Debit Card at retail OR online stores at least once every 30 days to keep the free Personal Death Insurance cover active. 

• 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.

Zero Liability

• You will not have any liability for any fraudulent Point of Sale transactions on the Debit Card, which take place up to 90 days prior to reporting the card loss. Click here for more details.

PayZapp and SmartBuy Offers

• Earn up to 5% CashBack on your Debit Card on transacting through PayZapp & SmartBuy. Click here

Debit Card Offers

• Click here for exciting offers available on your HDFC Bank 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 ₹5,000/- 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: hdfcbank.com/easyemi

• Joining Membership Fee: ₹500 + Applicable Taxes  
• The above fees will be waived off as long as you are a part of the Classic, Preferred or Imperia Programme.  
• To view other fees and charges on the Rewards Debit Card, click here. 

• Daily Domestic ATM withdrawal limits: ₹50,000 

• Daily Domestic Shopping limits: ₹3.5 lakh

• 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. 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.

• 5% savings on your everyday spends on partner merchants. Enjoy up to 2000 Reward points per month Click here to Know More. On clicking the below.

• Shop with big brands across categories like Grocery, Fuel, Railways, Online & Pharmacy to earn your monthly reward points 
       - Online - Smart Buy- One Stop Shop for all your needs https://offers.smartbuy.hdfcbank.com/v1/foryou 
       - Pharmacy - Apollo Pharmacy 
       - Railway – IRCTC (www.irctc.co.in) 
       - PayZapp – All Payments, One App, One Click. (Transactions other than Wallet Load) 
       - Online Shopping – Snapdeal 
       - Fuel - BPCL (on HDFC Bank terminals) 
       - Grocery - Smart Bazaar

• Reward Points are eligible only for the above-mentioned merchant partners 

• Reward Points are calculated basis the Terminal IDs (TIDs) shared by the respective merchant partners. If in case the TID is not available in the set-up, such transactions will not qualify for the benefit. This shall be at the discretion of the bank.

• To receive Reward Points, the minimum transaction amount should be greater than ₹100

• CashBack points need to be redeemed through NetBanking on the HDFC website. You need to have atleast minimum 250 points to redeem them. There is no maximum capping on redemption subject to availability. 

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

• Product feature 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 effective February 2020. 

• Customer is not eligible for redemption of CashBack points on account closure.  

• Customers can redeem the CashBack points through NetBanking.  
  : Login >> Pay >> Cards >> Debit Cards >> Debit Cards Summary >> Actions >> Redeem Reward Points 

Please note:

In case if an account has two customers with both customers holding a Rewards Debit Card each (under the same account number), all eligible transactions done on both cards shall be entitled to receive maximum 2000 CashBack points per month at the account level.

Example: Account A has two cardholders 1 and 2 both holding Rewards Debit Card. For all eligible transactions done on Card 1 shall be capped at 2000 points per month and Card 2 shall be capped at 2000 points per month. Cumulative cashback at account level shall be capped at 2000 CashBack points per month.

• Rewards Debit Card is enabled* for Contactless Payments at retail outlets.   

(Note: 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 Dedit Card PIN. However, if the amount is higher than or equal to ₹5,000, the Card holder must enter the Credit Card PIN for security reasons. You may check for the Contactless Network Symbol on your card.)  

MyCards, a mobile-based service platform for all Debit Card needs, facilitates convenient activation and management of your Rewards 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  

Important Note

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. 

• *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.