Times Points Debit Card

(a) Welcome Benefit of 500 Times Points on your first shopping at Point of Sale or online merchant establishments with HDFC Bank Times Points Debit Card

(b) Exclusive Discount of 10% or more on online lifestyle, entertainment, dining and grocery

(c) 2 Times Points on every ₹150 spent (except fuel, Jewellery & Business Services)

• Minimum of 10 Reward points need to be accumulated for redemption through https://www.timespoints.com

• No maximum capping on redeeming accumulated points.

• 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. 

Annual fees :₹ 650 + taxes

Replacement / Reissuance charges :₹ 200 + applicable taxes *W.e.f. 1 Dec 2016

Usage charges:

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

• IRCTC: 1.80% of the transaction amount

READ DETAILED FEES & CHARGES

Key Fact Sheet

Maximise rewards with SmartBuy

• Earn Upto 5% CashBack on your Debit Card on transacting through PayZapp & SmartBuy

• 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

Higher Debit Card Limits

• Daily Domestic ATM withdrawal limits: ₹1 lakh

• 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/-

Dynamic 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 Lakhs per day and ₹ 10 Lakhs per month for first 6 months from Account opening date.  For accounts older than 6 months, ATM cash withdrawal limit is capped at ₹ 2 Lakhs per day and ₹ 10 Lakhs 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.

Airport Lounge access offer

• This Debit card gets you complimentary lounge access at airports across India 

• Complimentary Lounge Access - 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.

Zero Liability

• You will not have any liability to 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 to know more.

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: https://www.hdfc.bank.in/easyemi/debit-card

   

• *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.

The following are included in the insurance covers:

• Accelerated Personal Accident Death Cover of up to ₹10 lakh.
  
  
  • You are entitled to a Base Personal Accident Death Cover by Air/Road/Rail for a sum assured of ₹5 lakh.
  • Additionally, you are also eligible for an Accelerated Personal Accident Death Cover up to a maximum of ₹5 lakh, subject to minimum transactions at merchant locations / online. Click here to know more.
  • Effective 1st July 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.

• International Air Accident Cover.
  
  
  • Now get additional International Air Coverage of flat ₹1 crore on purchase of air ticket using your Debit Card. Click here to Know More.
  • *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

Fire & Burglary Protection of ₹2 lakh:

• You are insured for the items purchased using Debit Card (upto 6 months) - Sum assured ₹2 lakh. Click here for more details. 

Checked Baggage Insurance Sum of ₹2 lakh

• Applies if the insured is travelling on tour and / or on holidays to location Outside India, to the intrinsic value of the accompanied personal baggage belonging to the card holder, so lost because of fire, theft, burglary and accident of travelling vehicle. Click here for more details.

• Times Points is a digital loyalty program offering Times Points as a unique currency. The HDFC Bank Times Points Debit Card comes with a host of benefits catering to categories like online shopping, dining and grocery partners. Attractive Benefits and Privileges on your HDFC Bank Times Points Debit Card. Visit https://www.timespoints.com/debit/ for exciting offers  

Validity:  

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

Redemption Limit: 

• No Limit. 

• 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

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

• Times Points 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 Debit Card PIN. However, if the amount is higher than or equal to ₹5,000, the Card holder must enter the Debit Card PIN for security reasons. You may check for the Contactless Network Symbol on your 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. Customers travelling overseas can reach us at 022-61606160.