Where can you use RuPay NRO Debit Card?

Your HDFC Bank RuPay NRO Debit Card gives you access to your HDFC Bank Account at the following locations:

  • At Merchant Outlets for Shopping
    Your card can be used online on domestic websites. Effective 1st December 2013, as per RBI mandate you need to complete the Point-of-Sale transaction at merchant location using your ATM PIN. Effective 1st December 2013, transaction at merchant outlet will be declined if wrong/NO PIN entered.

    • Present your Card to the merchant after selecting your purchases. The merchant will swipe the Card through the electronic terminal and enter the amount of purchase.
    • On approval, the terminal will print out a transaction slip with all the details of the purchases. Check the slip and sign at the appropriate place. Your account with HDFC Bank will be debited online for the amount of your purchase (Subject to availability of funds in your account).
    • The merchant will return a copy of the transaction slip and your Card. Please ensure that you have received your own Card.
  • For online shopping with your RuPay NRO Debit Card
    You can shop online using your HDFC Bank RuPay NRO Debit Card by using RuPay NRO PaySecure.
  • At HDFC Bank ATMs:
    At HDFC Bank ATMs you can avail the following services:

    • Account Selection
    • Cash Withdrawal/Balance Enquiry
    • Cheque/Cash Deposit
    • Mini Statement of Accounts
    • Account Statement/Cheque book Request
    • Funds Transfer between your own Accounts
    • PIN Change
    • BillPay
  • At other banks’ ATMs, you can avail:

    • Cash Withdrawal
    • Balance Enquiry
  • Click here for fact sheet.
  • Click here to learn more about the HDFC Bank RuPay NRO Debit Card.
  • Click here for the most important Terms and Conditions.

Disclaimer: Terms and conditions apply. Debit Card approvals are at the sole discretion of HDFC Bank Limited and are subject to documentation and verification as per the Bank's requirement. Interest rates are subject to change. Please check with your RM or closest bank branch for current interest rates.

Frequently Asked Questions

To complete a transaction at a merchant outlet, you need to present your card after selecting your items. The merchant will swipe the card through an electronic terminal, and you will be asked to enter your ATM PIN. Once approved, you will receive a transaction slip that you need to check and sign.

If the wrong PIN is entered during a transaction, the transaction will be declined. Make sure to enter the correct PIN to complete the transaction successfully. The RBI mandate requires PIN authentication for all Point-of-Sale transactions starting from December 1, 2013.

To shop online using your RuPay NRO Debit Card, you need to enable RuPay NRO PaySecure. This service ensures that all your online transactions are secure and authenticated. Follow the instructions provided by the merchant website to complete the transaction.

At HDFC Bank ATMs, you can access several services, including account selection, cash withdrawal, balance enquiry, cheque and cash deposit, mini statements, account statements, cheque book requests, funds transfer between your own accounts, and PIN changes.

You can check your account balance at other banks' ATMs using your HDFC RuPay NRO Debit Card.
However, please ensure that the ATM allows balance inquiry services, and be aware that certain fees may apply for using ATMs outside HDFC Bank.

If you lose your HDFC RuPay NRO Debit Card, immediately block the card by contacting HDFC Bank’s customer service or by logging into your account online. This will prevent unauthorised access to your funds. You can then request a replacement card.

You can transfer funds between your accounts using your HDFC RuPay NRO Debit Card at HDFC Bank ATMs. This is a convenient way to move money between savings or current accounts easily.