HDFC Bank Debit Card – Types, Features, Benefits, How to Apply, Fees & Charges

HDFC Bank Debit Cards add convenience to your day-to-day life by removing the hassle of carrying physical money. The best thing, however, is that apart from the regular benefits of a HDFC bank debit card, you can avail benefits quite similar to that of its credit cards, such as welcome benefits, airport lounge access, cashback, reward points, EMI facility, and much more. Find below the latest HDFC debit cards to meet your various requirements, allowing you to choose the one that suits you best. 

Top HDFC Bank Debit Cards

*GST shall be additionally applicable on the above-mentioned fees and charges.

Note: All the above-mentioned HDFC Bank’s debit cards details are updated as of January 2026.

Suggested Read: Compare & Apply for the Best HDFC Credit Cards Online

HDFC Bank Debit Card: Eligibility Criteria

The eligibility criteria to avail a debit card from HDFC Bank are as follows:

• Both, Residents and NREs can apply
• You must hold either a Savings account, Current account, SuperSaver account, Salary account, or Loan against Shares (LAS) account with HDFC Bank.

Note: The above-mentioned eligibility criteria are indicative. The type of HDFC debit card issued against your bank account depends on various parameters such as minimum account balance, and account type or based upon your bank’s relationship.

Features and Benefits of HDFC Bank Debit Cards

The features and benefits of HDFC Bank debit cards vary from one card variant to another. However, some general features of HDFC cards are listed below:

• Access to ATMs & POS Machines: Provides access to cash withdrawals from ATMs and POS payments for in-store purchases and online transactions
• Used for Online Shopping and Payments: Safe and secure mode for online transactions and helps in easy bill payments through its banking platform
• Contactless Payment: Cardholders can use its ‘Tap & Pay’ feature that helps in quick payments at NFC-enabled and POS machines
• Globally Accepted: Most of the HDFC debit cards are internationally accepted at ATMs, online stores and POS machines
• Zero Liability: If your card is lost or stolen, its card protection helps you protect from unauthorized transactions once you report the issue to the bank
• EMI Conversion: HDFC debit card also offers flexible EMI options with eligible debit cards. You can also avail HDFC Debit Card EMI for purchasing consumer durables, or for making high value purchases.

Bank offers low-interest EMI and no-cost EMIs across top shopping portals. Read more about HDFC EMI on Debit Card- Check Eligibility, Features & Charges

Benefits of HDFC Bank Debit Cards

Note: You have the option to upgrade your debit card to a new one that matches your lifestyle and spending habits.

How to Apply for HDFC Bank Debit Card?

To apply for an HDFC Bank Debit card, you need to hold a savings or current account with the bank.

Generally, the bank provides a debit card when you open a savings account, you do not have to apply for a debit card separately. However, in case you haven’t received your debit card when you opened your bank account or you wish to upgrade your card, you can apply for HDFC bank debit card online and offline.

Steps to Apply for HDFC Bank Debit Card Online

You can apply for HDFC Debit Card online by following these five simple steps:

Step 1: Visit the official website of the bank and click on the ‘Debit Cards’ section under personal/retail banking.

Step 2: Choose a debit card you want to apply for and click on ‘Sign Up/ Apply Now’.

Step 3: You will be asked to fill out an application form by entering required details, such as mobile number, PAN, date of birth and more.

Step 4: Submit the form and upload the required documents.

Step 5: After submitting all the details and documents, you need to wait for 2-3 days for the verification. You will receive your debit card after a successful verification, and, along with the card, you will also receive your debit card PIN. You will be required to enter this PIN every time you make a transaction.

Know How to Apply Offline

To apply for HDFC Debit Card offline, you need to visit the nearest branch of the bank and fill out the application form. However, ensure that you submit relevant documents along with the application form.

On submission, the bank will examine the application and approve your request. You shall receive your debit card within 2-3 working days after the approval of your application.

Fees & Charges

Some of the common HDFC Bank debit card fees and charges are mentioned in the table below:

Note: Fees & Charges are updated as of January 2026.

Click here to check other associated fees and charges.

HDFC Bank Debit Card: ATM Withdrawal Limits & Charges

When it comes to cash withdrawals using debit cards, banks usually set certain limits with respect to the number of withdrawals from the same bank ATMs and from other bank ATMs.

• With HDFC Bank Debit Cards, you are entitled to 5 free cash withdrawals from HDFC ATMs and 3 free cash withdrawals from other bank ATMs
• Withdrawals made after crossing the above limitations will be chargeable. The charges and limitations vary for different account holders

Below mentioned is the tabular representation of details regarding the ATM withdrawal limits and charges incurred by the HDFC bank on your ATM transactions:

How to Activate HDFC Bank Debit Card?

You are required to activate your HDFC Debit Card, if you are a new or an existing customer. If you are an existing customer, you might want to activate/modify the card settings for offline, online, contactless or international transactions.

On the other hand, if you are a new customer, you will be required to generate your debit card PIN to start using your card. PIN generation will also be required if you want to reset or if you have forgotten your HDFC Debit Card PIN.

HDFC Debit Card Activation for Online, Contactless & International Transactions | HDFC Debit Card PIN Generation

There are three ways to do it- HDFC Bank ATM, Netbanking or Phone Banking.

• Via HDFC Mobile Banking App: To activate your debit card you can login to your mobile app, in the menu section look for debit card tab – Select the new card then ‘Instant PIN Generation’, enter the new PIN to further authenticate with the received OTP to activate your debit card
• Via HDFC Bank ATM: You can activate your debit card offline by using the ATM PIN you have received along with your welcome kit. You need to visit the nearest ATM and enter the ATM PIN. After entering the PIN, you will be asked to change your PIN, enter the new PIN to activate your debit card

• Via NetBanking / Instant PIN setup: To activate your debit card through net banking, you can log in to the net banking portal and activate your debit card by generating the ATM PIN

• Via Phone Banking: You might receive a phone banking PIN along with your debit card welcome kit. Using that PIN, you can activate your debit card through phone banking. All you need to do is call on the HDFC Debit Card customer care number 1800-1600 / 1800-2600 and use the PIN or security questions to verify yourself. After the verification, you can follow the instructions given by IVR to activate your HDFC Bank Debit Card.

How does HDFC Bank Debit Card Works?

HDFC debit card is connected to your salary account, savings account or current account with HDFC Bank. Whenever you make a purchase, the money will be deducted from your linked account. You can use debit cards for online as well as offline purchases.

Using HDFC Bank Debit Card Offline

When you make a transaction by swiping your HDFC debit card at a card machine, you will be asked to enter your debit card PIN. All you need to do is enter the unique PIN to complete the transaction, and after a successful transaction, you will receive a notification from the bank.

Using HDFC Bank Debit Card Online

When you use your HDFC debit card online, you will be asked to enter the 16-digit debit card number, expiry date and three-digit CVV to complete the transaction. After entering all the details, an OTP will be sent to your registered mobile number, you have to enter the OTP at the merchant’s site to complete the transaction.

Also, just like an offline transaction, you will receive a confirmation message from the bank regarding the transaction.

FAQs

Q. Which debit card is best for me to choose from HDFC bank?

HDFC Bank offers a wide range of debit cards with varying benefits across multiple categories. The best credit card amongst these, however, will be based on your subjective choice and spending patterns. To choose the right card amongst different types of debit cards offered by HDFC bank, you must first analyze your needs and requirements.

For instance, if you are looking for a  credit card with a high daily shopping limit, you can consider getting HDFC Bank Millennia Debit Card, or HDFC Times Point Debit Card.

Similarly, if you largely spend on selected brands like Smart Bazaar, BPCL Pumps, Snapdeal, Apollo Pharmacy etc, you can consider getting HDFC Rewards Debit Card. You can also request for an invite-only access to HDFC Infiniti Debit Card, if you are looking for a debit card with low forex markup fee.

Q. Does HDFC bank provides a free debit card?

HDFC Debit Cards comes with varied fees and charges, thus the annual or renewal fee varies from one card to another. Therefore, not all HDFC Debit Cards are offered free. However, the bank provides free debit cards in some cases, such as to High-Net-Worth Individuals (HNWIs) of the bank who are enrolled in Classic, Preferred & Imperia banking  programmes. Additionally, salaried customers are also offered free debit cards, as per the bank’s discretion.

Q. How can I generate my HDFC bank debit card PIN?

If you have forgotten your debit card PIN, you can generate the debit card PIN for your HDFC debit-cum-ATM card by logging in to your NetBanking account. After logging in, select the option ‘Debit Card’ followed by ‘PIN Generation’.

You can also visit the bank and fill out the application form or use Phone Banking with the TIN number to re-generate the PIN.

If you want to set the PIN for your new Debit Card you can use Mobile Banking or Net Banking. Look for the option ‘Cards’ and choose ‘Instant PIN Generation’. For these methods, you require OTP authentication with your registered mobile number. You can also set a new PIN at HDFC Bank ATMs.

Q. Are there any charges for HDFC bank debit card PIN generation?

No, there are no charges if you set your PIN through ‘Instant PIN Generation’ via net banking. However, the bank charges a nominal fee of Rs. 50 for regenerating your PIN through ‘PIN Regeneration’ under net banking.

Q. How to check HDFC bank debit card EMI?

You can check if your HDFC debit card is eligible for EMI, with your registered mobile number. For this send text ‘DCEMI’ to 7065970659 via WhatsApp or SMS ‘MYHDFC’ to 5676712. You can also use the EVA chatbot by typing ‘DCEMI’ or giving a missed call to 9643-222222 to check your HDFC Bank Debit Card EMI eligibility.

Q. How can I redeem cashback points through my HDFC bank debit card?

You can redeem your cashback points online through the net banking portal. You need to log in to your account and click on the ‘Cashback Enquiry and Redemption’ option available under the Debit Card section. After this, select the account number to redeem your cashback points.

Q. How should I know that my HDFC bank debit card is eligible for EMI payments?

The eligibility for a debit card is decided by the bank and their parameters for eligibility are not published. So, if you are making an online purchase, then you can check on the merchant’s website whether it offers the HDFC Debit Card EMI option or not.

Apart from this, you can also raise a request to the bank to check, if your debit card is eligible for EMI payments.

Q. How can I block my HDFC bank debit card?

You can block/deactivate your HDFC Bank Debit Card through Net Banking, Phone Banking, or by visiting your nearest HDFC Bank’s branch.

To block your debit card via Net Banking, log in with your User ID and password; go to the Debit cards tab and select the option ‘Debit Card Hotlisting’.

To block via Phone Banking you need to first validate your Telephone Identification Number (TIN)- provided by the bank for accessing the Phone Banking services.

In addition to that, you can also visit the nearest HDFC Bank branch and submit a form to block or cancel your debit card.

Q. How to replace my HDFC bank debit card?

You can replace your HDFC Debit Card in case of wear and tear or any other damage to your debit card. To get your card replaced you can log in to your Net Banking account, or Mobile Banking app.

Apart from the online methods, you can also contact the bank’s debit card customer care at 1800-1600 / 1800-2600 or visit the nearest HDFC bank branch.

Q. I do not have an account with HDFC Bank. Can I apply for an HDFC Debit Card?

To apply for any of the HDFC Bank debit cards, you must have a savings account/ current account/ supersaver account/ Loan Against Shares account (LAS)/ salary account or an individual account holder with HDFC Bank.

Q. Can I earn cashback or rewards through HDFC debit card?

Yes, you can earn cashback as well as reward points via HDFC Debit Card. However, it depends on the benefits offered by the debit card. Some of the it are designed for reward points, such as HDFC Platinum and Rewards Debit Cards.

However, there are other cards that offer cashback on your purchases, including Millennia Debit Card and MoneyBack Debit Card. You can choose a debit card based on your requirements.