Business Debit Card

• Annual fees: ₹ 350+ taxes* (w.e.f. 1st Aug'24)
• 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 following is the eligibility criteria for a Business Debit Card

• Sole proprietorship Current Accounts

• HUF Current Accounts

• Partnership concerns

• Private limited companies

• Public limited companies

Already have an HDFC Bank Account: All you need to do is download the application form, print it, and fill in your details. Then drop it off at your local HDFC Bank branch. We will take care of the rest and send the card to your mailing address. Click here to download the application form. 
 

Non-HDFC Bank Account: Download the Account Opening form, print it, and enter your information. This form will include the Business Debit Card application - there's no need to fill in two forms. Take the submission to your closest HDFC Bank branch and we'll complete the process. Click here to download the New Account form

SmartBuy Biz Deals

• Savings up to 40% on Travel, Software & more 

• Special offers on flights, hotels & more. Get up 3% off* on domestic & international flights and 4% off* on hotels 

• Save Big on Office Tools and Cloud Costs 

• Seamless Business Travel and Guaranteed Benefits with HDFC Bank Cards 

• Exclusive Deals on SaaS Products on HDFC Bank Cards 

*To know more click here

Lounge access 

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

• Complimentary Lounge Access - 2 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

Maximise Rewards with SmartBuy

• Earn up to 5% CashBack on your Debit Card on transacting through PayZapp & SmartBuy. Click here to know your annual savings.

Note: Unredeemed Cashback points will expire/ lapse after 12 months of accumulation  

Zero Lost Card Liability - No liability for fraudulent Point of Sale transactions on the debit card up to 90 days before 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 mor 

• 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

• Death Cover by Air / Road / Rail - Sum Insured up to ₹10 lakh. Click here for more details 

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

• Fire & Burglary for the items purchased under Debit Card (upto 90 days) - Sum assured ₹2 lakh. Click here for more details 

• Loss of checked baggage - sum assured ₹2 lakh.  

• For any Claims under Fire & Burglary Insurance / Loss of checked baggage Insurance to be accepted & processed, the cardholder should have carried out at least 1 purchase transaction (at merchant outlet / online) using the Debit Card, within 90 days prior to the event date

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

• Business 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.)

• Get 5 CashBack point on every ₹100 spent on all tax payments and 1 CashBack point on every ₹100 spent on Telecom, Utilities, Groceries & Supermarket, Restaurant & Apparels, Entertainment. (With effect from 1st Oct'21)  

• Maximum cap of ₹750 per card per month 

• Minimum 100 CashBack points to redeem through Net Banking 

• Customers will receive CashBack points on eligible MCC (Merchant Category Code) only.  
  Click here to Know More 

• CashBack Points need to be redeemed through Net Banking in multiples of 100 

• CashBack points earned 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 

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

• 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.

• How to Redeem?  
   
  1. Through NetBanking  
  Login >> Pay >> Cards >> Debit Cards >> Debit Cards Summary >> Actions >> Redeem Reward Points

• 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.

• 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).

• *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.

• Daily Shopping limits (Domestic & International Combined): ₹ 5 Lakhs
• Daily ATM withdrawal limits (Domestic & International Combined): ₹ 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/-
• 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.
• 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.
• 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.