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HDFC Debit Card

  • Online payments are secured by ‘Verified by Visa’/ ‘MasterCard SecureCode’
  • Avail great discounts on shopping, dining, refuelling, entertainment and more
  • Cashback on shopping and life insurance cover upto Rs. 10 lakh is provided
  • SMS alerts for easy tracking of your expenses through HDFC Debit Card

Established in the year 1994, HDFC, also known as the Housing Development Finance Corporation, was the first private bank to be authorized by the RBI to commence operations. Based out of Mumbai, the bank has been steadily growing since its commencement. The bank provides a lot of products and offers and one of them is debit card. HDFC Bank debit cards are extremely useful for shopping, dining, movie ticket purchases, entertainment etc. Customers are entitled to 5 free transactions at HDFC ATMs and 3 transactions at other bank ATMs, post which, they will be charged a fee of Rs. 20 plus GST, for every ATM transaction. After your transactions, you get SMS alerts to track your expenses.

Types of HDFC Debit Cards

JetPrivilege HDFC Bank World Debit Card

Collect JPMiles and avail free flight tickets. You are also entitled to life insurance cover upto Rs. 25 lakhs. Save more when you refuel at any petrol station across India. The great thing about this HDFC debit card is that, it comes with EMV chip which provides a lot of security.

EasyShop Imperia Platinum Chip Debit Card

Save more at all fuel stations in India. You get Re.1 cash back for spending Rs.100 at retail stores or online stores. The HDFC Bank EasyShop Imperia Platinum Chip debit card allows you to withdraw Rs. 1 lakh daily and provides you with a shopping limit of Rs. 2.75 lakhs per day. It is extremely secure against all fraudulence as this HDFC debit card has advanced encryption technology on it.

EasyShop Platinum Debit Card

EasyShop Platinum debit card helps you save when you refuel at any petrol station across India. The daily ATM withdrawal limit is Rs. 1 lakh and daily shopping limit is Rs. 2.75 lakh. Avail life insurance worth upto Rs. 10 lakh and earn cashback for all your purchases.

EasyShop Titanium Royale Debit Card

This debit card entitles you to complimentary access to Clipper Lounges at airports across India along with 1% cashback while shopping at merchant outlets and onne stores. The daily withdrawal limit from HDFC Bank ATMs is Rs. 75000 and the daily shopping limit is Rs. 1.75 lakh. The Fuel Surcharge Reversal feature in this card helps you save a lot when you refuel at any petrol station across India.

EasyShop Gold Debit Card

The EasyShop Gold debit card carries safety features to protect transactions. This HDFC Bank debit card has several offers including fuel surcharge waiver and cashbacks on purchases made online and at retail stores. You are provided with free insurance cover upto Rs. 5 lakh with this HDFC debit card.

EasyShop Titanium Debit Card

The EasyShop Titanium debit card features a daily cash withdrawal limit of Rs. 50000 along with a shopping daily limit of Rs. 1.75 lakh. With enhanced security features to protect your transactions, this debit card also allows you to save money with Fuel Surcharge Reversal.

EasyShop Debit Card

Not only does this debit card provide enhanced security on all your purchases but also allows you to save on fuel surcharge at select BPCL stations.

EasyShop Business Debit Card

Get 0.5% cashback on purchases from both online stores and retail outlets. The Fire and Baggage Insurance protects your luggage from all damages. Save substantially when you are refuelling at any petrol station across India.

EasyShop Woman’s Advantage Debit Card

This HDFC debit card provides you with life insurance worth Rs. 2 lakh. Enjoy 50% discount on locker fees, applicable for the first year of the debit card usage and avail cashback on all purchases done at online stores, merchant outlets and at select BPCL fuel stations.

EasyShop NRO Debit Card

Save more on fuel recharge at select BPCL petrol pumps. The card offers enhanced security and protects your transactions in case of theft or loss of card. The daily HDFC Bank ATM withdrawal limit is Rs. 25000 and the daily shopping limit stands at Rs. 1.75 lakh.

RuPay Premium Debit Card

Not only can you pay your utility bills but also earn 5% cashback and 1% fuel surcharge waiver by using your RuPay Premium debit card. Avail life insurance worth Rs. 2 lakh with this debit card which can be used at RuPay enabled ATMs, merchant outlets and online stores.

Times Points Debit Card

Customers can now earn points for online shopping, dining, and groceries. HDFC has a unique digital loyalty program under which times points is added as a unique currency. With Times Points Debit Card, customers can avail an exclusive discount of 10% on online lifestyle, entertainment, dining, and grocery. You can also earn 2 times points for every Rs.150 spent. The card also comes with accelerated personal accident cover of up to Rs.10 lakhs, international air accident cover, fire and burglary protection of Rs.2 lakhs, and checked baggage insurance sum of Rs.2 lakhs.

HDFC Bank Rewards Debit Card

You can now earn up to 2,000 reward points every month with the HDFC Bank Rewards Debit Card. Using this card, customers can avail a discount of 20% on Apollo branded products. HDFC Bank Rewards Debit Card includes insurance cover of Rs.5 lakh and fuel surcharge reversal option.

Eligibility for Applying HDFC Debit Cards

All residents of India and NRIs can apply for HDFC Bank debit cards and enjoy privileges and offers. A person having a savings account / current account / super saver account / salary account is eligible for HDFC debit card.

Benefits of holding an HDFC Bank Debit Card

  • HDFC Bank Debit Card is one stop solution to all your cashless tranasctions.
  • The payments that you make online are protected by Verified by Visa / MasterCard SecureCode Password / OTP.
  • In certain cases, chip cards are added for enhanced security.
  • There are some great discounts which you can avail on HDFC Bank debit cards for travelling, shopping, dining, entertainment etc.
  • Not only can you enjoy a lot of offers and cashbacks using your debit card but are also entitled to an insurance cover of upto Rs. 10 lakh.
  • Keep track of all your expenditures with timely SMS alerts.

Generating an HDFC Bank ATM PIN Using OTP

Previously, when HDFC Bank customers required a new ATM PIN, the bank sent the customers physical copies of their new ATM PIN through the post. HDFC has now changed this practice, and customers who have forgotten their HDFC Bank ATM PIN can generate a new ATM PIN using HDFC’s Go Green initiative.

The following are the steps to generate a new ATM PIN using HDFC’s GO Green initiative:

  • Call the HDFC customer care from the registered mobile number and request a change of ATM PIN.
  • The bank then sends a 6-digit OTP as an SMS to the registered mobile number.
  • Visit an HDFC ATM and insert the debit card.
  • Select the ‘Language’ option, followed by ‘Create new ATM PIN using OTP’.
  • Enter the OTP sent by the bank, followed by the registered mobile number.
  • Create a new 4-digit ATM PIN

The bank levies a certain fee for changing an ATM PIN.


HDFC Bank offers the latest technology called NetSafe which protects your account while making online transactions. Using NetSafe, customers can now create a virtual card from their HDFC Bank Visa Credit or Debit Card or Mastercard Credit or Debit card numbers. This offers complete security to your online transactions. NetSafe is unique because, throughout the online payment process, your debit or credit card number is not relieved on the internet as you can use the virtual card number to draw funds or use it at any online merchant site while shopping. Customers will have to register for NetSafe only one time after which he/she can generate NetSafe Virtual Cards anywhere. Please note that each NetSafe Card can be used for a single transaction only. You can generate a NetSafe card by visiting HDFC Bank website. If you have generated a NetSafe card with a higher amount and have used it partially, any unused amount will be credited back to your credit or debit card.

Things to remember about NetSafe

  • All transactions made using NetSafe Virtual Card will appear on the bank statement like any other statement
  • Do not use HDFC credit or debit card details on any third-party merchant website
  • You can set the amount while generating a NetSafe Virtual Card
  • You can use your NetSafe Virtual Card on any merchant website that accepts Visa/Mastercard

Quick Tips for using HDFC Debit Card

  • While making an ATM transaction, make sure you enter the correct PIN and wait till the transaction is complete to prevent any fraudulent activity
  • Never disclose your PIN to anyone
  • Make sure that you sign at the backside of your debit card. This makes it easy for merchants to validate your signature while you make purchases
  • In case of theft or loss of card you must immediately inform the bank

HDFC Debit Card FAQs

  1. What is the procedure to replace a damaged HDFC bank debit card?

    Call up the HDFC phone banking department to provide them with the details of your lost card and put in a request for the issue of a new card.

  2. Can I use my HDFC debit card to make purchases online?

    You can make purchases not only at merchant locations but also online shopping portals.

  3. What should I do if my HDFC debit card is not working?

    There could be a technical issue and we advise you to call up the phone banking department and resolve the issue.

  4. What is OTP?

    OTP stand for One Time Password. This password can be used only once for a single transaction and helps prevent account misuse.

  5. Do I need a new PIN for a replaced HDFC debit card?

    No. You don’t need a new PIN for a replaced HDFC debit card. In case of theft or loss of card, a new card with the same PIN as before, is issued.

  6. Are there any charges applicable on Imperia Platinum Chip Debit Card?

    If you are shopping at a merchant location, there are no transaction charges applicable on Imperia Platinum Chip Debit Card. If any fuel surcharge is levied, it will be reversed within 75 days from the date of levy of the surcharge(up to Rs.750 per month). You can use Imperia Platinum Chip Debit Card at all HDFC ATMs free of charge. However, you will be charged a nominal amount when you use your card in other bank ATMs. Also, charges will be levied at railway stations as per industry practice.

  7. What should I do If I have a void transaction on my Imperia Platinum Chip Debit Card?

    You will have to fax us a copy of the void transaction slip. Simultaneously, you can also send an email to support@hdfcbank.com or submit the same at your nearest HDFC Bank branch.

  8. What are the offers I will get as an HDFC Times Debit Card Holder?

    As a HDFC Times Debit Card Holder, you will receive 20 welcome offers from multiple leading e-com merchants from India. Also, there will be more than 350 offers on a regular basis on any given day. The minimum discount you will get apart from the discount given by the merchant is 10%.

  9. What should I do if I face any issues while availing merchant offers?

    For any issues you face while availing merchant offers, please send an Email to CS@timespointsdebit.com.

  10. 10. Is there a validity period on the offers I see as an HDFC Times Debit Card Holder?

    Yes. The offers will be valid for minimum 3 months and maximum 12 months.

News about HDFC Debit Cards

  • Charges associated with HDFC Bank debit cards

    Debit cards offered by banks to customers are associated with several types of charges. Some of these charges include the annual maintenance fees and card reissuance charges. These charges are usually borne by the cardholder. If the debit card is stolen and has to be replaced, an additional GST component will be applicable on the replacement charge. The other charges that have a GST component are physical PIN generation and debit card annual maintenance. The charges levied by HDFC Bank on debit cards can be summarised as follows:

    • Debit card reissuance or replacement charge - Rs.200
    • Annual maintenance charge
      1. For Classic cards, Rs.150
      2. For Platinum cards - Rs.750
    • Debit card PIN regeneration fee - Rs.50

    19 July 2018

  • Cashback up to Rs.10,000 on Apple products for HDFC credit and debit card users

    For those wishing to buy Apple’s iPhone, iPad, MacBook Pro and watches, HDFC Bank is offering a cashback offer up to Rs.10,000. According to the bank, the cashback offer is up to Rs.10,000 in case of the iPhone X and details are currently listed on the iStore India website. iStore is one of the authorised Apple resellers in India and users might not find this offer listed on e-commerce stores like Flipkart, etc. The offer is valid from January 1 to March 11, 2018. It will be applicable on HDFC Bank Credit Card EMI, HDFC Bank Debit Card EMI and HDFC Bank Consumer Durable Loan transactions on purchase of iPhones, MacBook, Apple Watch and iPads. However, this is not valid on HDFC Bank Corporate Cards.As per the offer, those who buy the Apple iPhone X will get Rs.10,000 as cashback. Apple iPhone 8 and iPhone 8 Plus users will get Rs.7,000 cashback, while iPhone 7 series users will get Rs.3,000 cashback. Apple iPhone 6s and iPhone 6s Plus users will get Rs.2,000 cashback and those who purchase the iPhone 6, iPhone SE and iPhone 5s will get only Rs.1,000 cashback.

    3rd January, 2018

  • EMI facility for HDFC Bank debit card holders

    To give customers an option to make high valued transactions without any worry, HDFC Bank has rolled out an EMI option on transactions above Rs.10,000. Such transactions will fall under the category of pre-approved loans. According to Mr. Parag Rao, Country Head – Card Payment Products, Merchant Acquiring Services, and Marketing, HDFC Bank, with EasyEMI on Debit cards, customers get a pre-approved loan offer on their debit cards which they can use with just one swipe at merchant outlets. We feel it is a simple, quick and convenient option for our customers to fulfill their desires particularly during the festive season. EasyEMI offer is an example of HDFC Bank using analytics, platforms like POS machines for payments in installments and removing paper work to truly harness the power of digital banking and offer choice and convenience to millions of our customers across the length and breadth of the country. This facility will be available to 8 million HDFC Bank debit card holders across the country.

    20 September 2017

  • Largest Financial Security Breach In India

    In what is possibly the largest security breach of financial data in India, banks have asked users to change the security codes of over 3.2 million debit cards. Customers have reported unauthorized usage of accounts from locations in China. Of the 3.2 million cards 2.6 million are on the Visa and MasterCard platforms and 600,000 are on the RuPay platform. The most affected banks are SBI, ICICI, HDFC, Yes Bank and Axis Bank. The breach is suspected to have originated through a malware introduced into the Hitachi Payment Services, allowing hackers to steal account information. The Payments Council of India has ordered a forensic audit of the Indian bank servers to determine the source of the security breach. The malware infection took approximately six weeks to detect, thereby, compromising transactions during this period. A Bengaluru based security firm SISA, is conducting a forensic audit presently.

    24 October 2016

  • Amazon Announces Great Indian Sale 2016

    Amazon, the ecommerce giant has announced its Great Indian Sale 2016 from October 8 onwards. It comes with a lot of exciting offers even for mobile users, as shopping via Amazon app has its own perks in the form of discounts and reward points. The app is available for download on both Google Play and Apple Store. For all payments above Rs. 6000 using an HDFC card, Amazon gift card and ICICI cards, the e-tailer offers a free gift card worth Rs. 600 during the first two days of the mega sale. An additional cashback of 5 percent is also available for all HDFC debit card customers.

    6 October 2016

  • LeEco’s EPIC 919 SuperFan Online Festival on Flipkart, LeMall.com

    LeEco, the global internet and technology conglomerate has commenced its EPIC 919 SuperFans Festivals in India. People all over India can buy LeEco Superphones or SuperTVs, at this festival, which is one of the biggest global online shopping extravaganzas.

    HDFC Credit and Debit cardholders can avail 10% Cashback on purchase of LeEco Superphones at the festival. Buyers using HDFC Credit Cards to buy LeEco Superphones can also convert their outstanding balance into EMIs for no extra cost for six months. Flipkart users are eligible for shopping benefits such as discounts and cashbacks, if they make the online purchases using their credit or debit cards, at the EPIC 919 SuperFan Online Festival.

    22 September 2016

  • HDFC Bank’s surprise move – Cut in its ATM network

    HDFC Bank, country’s second biggest private bank, has rationalized the number of ATMs by 276 in the previous quarter (July to September) from the total number 11,686. The bank attributes this to shift in client behavior and their shift to digital banking (internet and mobile banking). Cost of running an ATM is not trivial including manning the kiosk. This is not to say that it is not averse to adding ATMs in required locations as they still continue to do so. ATMs in certain regions are being removed due to other parameters based on transaction frequency, feedbacks from relevant branches among others. With more and more folks happily using their credit and debit cards from the comfort of their homes and offices, it has effectively brought down the number of banking via ATMs. The use of digital payment apps such as Chillar, Paytm, PayZapp etc. have also contributed to this trend.

    27 October 2015

GST of 18% is applicable on all banking products and services from July 1, 2017 onwards.

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Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

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