Visa NRO Debit Card

• Annual fees: ₹150 + taxes
• 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

• The HDFC Bank Visa NRO 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

Higher Debit Card Limits

• Daily Domestic ATM withdrawal limits: ₹1 lakh
• Daily Domestic Shopping limits: ₹2.75 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/-
• The Debit Card can be used only in India to make purchases at Merchant locations and withdraw local currency at ATMs. The NRO Debit Card can be used at the following locations:
  
  
  • HDFC Bank ATMs for all ATM transactions
  • Non HDFC Bank ATMs in India for Balance Inquiry and Cash Withdrawal only
  • Merchant locations in India for purchases /Shopping and Domestic Online transactions
• 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 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.
• Zero Liability: You will not have any liability to any fraudulent Point of Sale transactions on the Debit Card, which take place up to 30 days prior to reporting the card loss. Click here for more details.

Debit Card Offers

• Recharge and pay bills using your Debit Card through your mobile without an internet connection.
• With InstaAlerts you are sent a message on your phone every time purchase transaction is made using your card.
• SMS MRC < first 4 characters of your mobile service operator> <10 digit mobile number> to 9223366575.

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

• 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.     
• As per RBI guidelines effective from October 1, 2020, Debit Cards are enabled only for domestic usage (PoS & ATM) and disabled for domestic (e-commerce and contactless) and international usage.
• Fuel Surcharge: Effective 1st January 2018, Fuel Surcharge would not be applicable for the transactions done on HDFC Bank swipe machines on government petrol outlets (HPCL/IOCL/BPCL).
• Effective June 01, 2015, Movida service will be discontinued for HDFC Bank Debit Cards.

• *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.