Replacement / Reissuance charges: ₹200 + applicable taxes

*(W.e.f. 1 Dec 2016)

ATM Pin Generation: NIL

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

• 1 CashBack point on every ₹100 spent on Telecom, Utilities.

• 1 CashBack point on every ₹200 spent on Groceries & Supermarket, Restaurant & Apparels, Entertainment

• Maximum cap of ₹750 per card per month

• No cashback points for all other categories apart from the ones above.

• Customers will receive cash back points on eligible MCC (Merchant Category Code) only. Click Here to know more.

• CashBack points earned will be valid for redemption within the next 12 months after which your Cashback points will lapse.

• 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.

Dynamic Spending Limit

• Withdraw up to ₹75,000 a day at ATMs and spend up to ₹3.5 lakh at merchant establishments

• *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.

• 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/-

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 for more details.

Safety:

• Stay protected against unauthorised use with the EMV Chip Card technology in your card

• Be assured of zero liability on lost card after reporting the loss

• Get mobile alerts for every transaction

Cashback/Reward Points:

(a) CashBack point on every ₹100 spent on Telecom, Utilities. 

(b) CashBack point on every ₹200 spent on Groceries & Supermarket, Restaurant & Apparels, Entertainment 

Max CashBack/Reward Points:  ₹750 per month

The HDFC Bank Titanium Royale Debit Card is enabled for contactless payments. Secure and convenient payments at retail outlets with contactless cards payment through contactless mode is allowed for a maximum of ₹5,000 for a single transaction without entering your Debit Card PIN.  Click Here

Important Note:  

• As per RBI guidelines effective from October 1, 2020, debit cards Debit Cards are enabled only for domestic usage (PoS & ATM) and disabled for domestic (e-commerce and contactless) and international usage.    

• As per RBI guidelines RBI/2019-2020/142 DPSS.CO.PD No. 1343/02.14.003/2019-20 dated January 15, 2020, all Debit Cards issued effective October 1, 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.   

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

• 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. 

• *NRO Debit Card will continue to be enabled only for domestic usage as per regulatory mandate.

• Contactless per day limit is of transaction ₹5,000/-

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

• *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.