The Vishesh Debit Card will be issued to Vishesh Customers only. Both Residents and NREs can apply.

Resident Indians should hold one of the following:

• Savings Account
• Current Account
• SuperSaver Account
• Loan Against Shares Account (LAS)
• Salary Account

No additional documents are required for issuing the Vishesh Debit Card to existing HDFC Bank account holders. When the card expires, a new card is automatically sent to the registered address.

Only for existing customers:

• The annual fee (plus applicable taxes) for the new Debit Card will be levied, as applicable. This is waived off for Vishesh customers.
• In case your PAN details are not updated with the bank, your request shall not be processed. If you are a non-assessee or do not have PAN, you are requested to visit the nearest branch.
• This facility is available only for Savings / Salary Account holders where the mode of operation in account is Singly / Either or Survivor.
• This facility will not be available for Minor and NRO Accounts.
• In addition to the due diligence requirements under KYC norms, the Bank is required to obtain Permanent Account Number (PAN) or alternatively declaration in Form No. 60 or 61 as specified under the Income Tax Act / Rules, for the purpose of issuing a Debit Card.
• Issuance of the new upgraded Debit Card is subject to successful processing of the request as per customer eligibility. The upgraded Debit Card will be delivered to mailing address on record within the Next 5 Working Days (for Metro Locations). To know your location specific delivery time, please click here.
• Your existing Debit Card will get deactivated within 3 working days of receipt of your new upgraded Debit Card. (In case your new Debit Card is sent to Branch, the existing Debit Card shall be de-activated after 15 days from date of dispatch of the new Debit Card)

Click Here to apply for HDFC Bank Vishesh Debit Card through NetBanking.

Higher Debit Card Limits

• Daily Domestic Shopping limits: ₹5 lakh
• Daily Domestic ATM withdrawal limits: ₹1 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/-
• 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 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.

Airport Lounge Access offer for Vishesh Customer

• This Debit Card gets you complimentary lounge access at airports across India
• Complimentary Lounge Access - 2 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.

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: hdfcbank.com/easyemi

Validity:

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

Maximise Rewards on with SmartBuy

• Earn Upto 5% CashBack on your Debit Card on transacting through PayZapp & SmartBuy :https://offers.smartbuy.hdfcbank.com/offer_details/15282

How to Redeem?

1. Through NetBanking  
Login >> Pay >> Cards >> Debit Cards >> Debit Cards Summary >> Actions >> Redeem Reward Points

Zero Cost Liability

• Zero cost liability to any fraudulent Point of Sale transactions that take place up to 30 days before reporting the card loss.

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

Vishesh 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 Credit Card PIN. However, if the amount is higher than or equal to ₹,5000, the Card holder must enter the Credit Card PIN for security reasons. You may check for the Contactless Network Symbol on your card.) 

• Get 1 Cashback point on every ₹ 100 spent on Telecom, Utilities.
• Get 1 Cashback point on every ₹ 200 spent on Groceries, Supermarket, Restaurant, Apparels & Entertainment
• Maximum cap of ₹ 750 per account per month
• No Cashback points for all other categories apart from the one above.
• Customers will receive CashBack points on eligible MCC (Merchant Category Code) only. Click Here to know more.
• In case purchase/ transaction is returned/ cancelled/ reversed, Cashback points toward posted towards transactions will be reversed.
• CashBack points need to be redeemed through NetBanking minimum 250, no maximum capping on redemption subject to availability.
• Customer can view the points in NetBanking in 2 working days from the date of transaction.
• CashBack Points are earned on eligible Merchant Category Codes (MCC).
• MCCs are categorised basis the nature of business by card Networks (Visa/ Mastercard)
• 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.

Product feature CashBack points will be valid for redemption within the next 12 months after which your CashBack points will lapse. 

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.

• 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 (from 8 am to 8 pm) Customers travelling overseas can reach us at 022-61606160.

• *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.