Times point Debit Card

What's in store for you

Card Benefits & Features

Know more about the card

Card Management & Controls

  • Single Interface
    A unified platform facilitating efficient management of all your HDFC Bank products and services. 
  • Spends tracking 
    A user-friendly interface allows you to track all your transactions and other banking activities with ease. 
  • Reward Points
    View and redeem points at the push of a button.
Card Management & Controls

Times/Reward Points

(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)

  • 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. 

Times/Reward Points

Fees & Charges

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

Fees & Charges

Added Delights

Maximise rewards with 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 1st January 2024, you will get complimentary lounge benefit only if you spend ₹5,000 or more in previous calendar quarter.

For more information click here.

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.

Added Delights

Insurance Cover

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.

Insurance Cover

Card Redemption & Limit 

  • 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

Card Redemption & Limit 

Card Control via MyCards

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     

Card Control via MyCards

Contactless Payment

  • 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.)  

Contactless Payment

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. Customers travelling overseas can reach us at 022-61606160.

Important Note

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 Times Points Debit Card is a digital loyalty program offering Times Points as a unique currency. It has many benefits catering to categories like online shopping, dining, and grocery partners.

Yes, the Times Points Debit Card offers complimentary lounge access at airports across India. Primary and add-on card members are eligible for unlimited airport lounge access to 1,000+ lounges in India. 

To redeem your accumulated reward points, visit the official Times Points website and follow the redemption process. 

We are currently not accepting new applications for the HDFC Times Point Debit Card. However, you can explore a range of other credit cards that may suit your needs. Click here to view our available options and find the right card for you.

Times Points is a unique loyalty program for HDFC Bank Times Points Debit Card. You can earn Times Points by using your debit card for offline/online spends. You can redeem your Times Points to avail exciting offers from timespoints.com

You do not have to call or write anywhere, you can check out all our exciting offers at www.timespoints.com/debit.

You can get in touch with us at  CS@timespointsdebit.com.

HDFC bank Times Points Debit Card users can earn points by simply using their debit card on offline (Point of Sale) or online (ecommerce) transactions. 

Set or change your password by logging into your account and clicking the settings tab. In case you have forgotten the password of your account, you can click on “Forget Password”.  You will receive an email that will allow you to reset your password. 

You can login to your account at www.timespoints.com wherein you can view your total points & burn them to avail of a wide range of offers & rewards. 

Your Times Points are valid for 12 months from the date of accrual.  

You can check out the term & conditions at  www.timespoints.com/debit  

The validity of the offers varies - check out the term & conditions for each offer on the website.

If the email ID with which you registered in your existing account matches the one that you shared with HDFC Bank at time of your application, then you will not need to register again. You can continue using the same login details. If not, then a new account will be created using the email ID shared with HDFC Bank.

You can check out your Times Points by logging into your www.timespoints.com

The annual charge for HDFC Bank Times Points Debit Card is ₹650+ tax as applicable.

  • You will earn 500 Times Points as a welcome benefit on the transaction using your debit card.

  • You will earn 2 Times Points every time you shop for  ₹150 except on Fuel, Jewellery & Business Services.

Yes, all your Times points will be carried forward to your new card. 

1. Welcome benefit: choose one from a bouquet of up to 20 offers 
2. One time offer of 500 bonus Times points. 
3. Great deals and discounts throughout the year. 
4. Redeem your Times points earned from your debit spends to avail attractive offers.

Yes, you will be notified about the expiry of your Times Points by email from Times Internet Limited (TIL). 

As an HDFC Bank Times Points Debit Card holder you will be auto-registered for the Times Points loyalty program. You will receive an auto-generated mail at your bank reg email id. This email will have a link to help you setup your account, set password etc.

Please login to www.timespoints.com using your registered email id and follow these setups: simple steps:

  • Click on the redeem tab and view the offers

  • Select an offer and click on "Redeem"

  • Enter delivery location with pin code verification 

  • Mention contact details and click on “Continue”

  • Review and confirm your order.

  • On successful redemption you will receive a confirmation on your registered email id.

In case of sufficient points, users can click the “Quick Redeem” button on Homepage in the “Redeem 
your points on exciting rewards & offers” section.

No, 2 IDs cannot be merged. Your HDFC Bank Times Points Debit Card linked account will be linked to your HDFC Bank registered email id. You can view and redeem your Times Points using this account only. 

You are eligible for a wide range of offers across multiple e-commerce categories that you can view by logging in your timespoints.com account. 

Yes, you will have to register and activate your account to view & avail the offers  

Yes. There is an Accelerated insurance cover of ₹10 lakh in case of death by Air / Road / Rail. For more information to visit www.hdfcbank.com. 

Do not worry if you are not able to avail the offers at your disposal. Any issue related to merchants or code not working or bar code not getting read, just write to CS@timespointsdebit.com. 

If there is any issue with the product purchased using Times Points, we would request you to write to CS@timespointsdebit.com.