Updated on 8th Jan ’25
Fees and Charges for Debit Card
Annual / Renewal Fee /
Debit Card Variant Add-on Card Annual fee (joint accountholders only) Replacement Charges
Platinum Debit Card** Rs. 850 + applicable taxes#
Times Points Debit Card** Rs. 650 + applicable taxes
Millennia Debit Card** Rs. 500 + applicable taxes
Rewards Debit Card** Rs. 500 + applicable taxes
Business Debit Card** Rs. 350 + applicable taxes#
GIGA Business Debit Card** Rs. 250 + applicable taxes
Woman’s Advantage Debit Card** Rs. 200 + applicable taxes
RuPay Platinum Debit Card** Rs. 200 + applicable taxes
Money Back Debit Card** Rs. 300 + applicable taxes#
Replacement/Reissuance Charges for
Debit Cards - Rs. 200 + applicable taxes
RuPay NRO Debit Card** Rs. 200 + applicable taxes
ATM Card Free
Phased Out Variants
Gold Debit Card** Rs. 750 + applicable taxes.
Titanium Royale Debit Card** Rs. 400 + applicable taxes.
Titanium Debit Card** Rs. 250 + applicable taxes.
Pro-Gold Debit Card** Rs. 250 + applicable taxes.
EasyShop Debit Card** Rs. 150 + applicable taxes.
NRO Debit Card** Rs. 150 + applicable taxes.
# Revised Fee w.e.f. 1st Aug’24
**For HNW Customers (Classic, Preferred & Imperia), the Debit Card will be free, as long as the customer is part of the
respective program. For Corporate Salary customers, the charges will be as per corporate eligibility, as long as the customer is
part of the respective corporate.
Other Charges
Description
There are no charges for using the Debit Card at domestic merchant
locations and websites.
However, at select merchants like IRCTC / railway stations, transaction
charges / surcharges as per industry practices will be applicable, by the
merchant.
The following are the transaction charges applicable when you use the Debit
Charges on usage at domestic merchant outlets / websites Card at:
Railway Stations: Flat charge of Rs. 30 per ticket + 1.8% of the transaction
amount.
IRCTC: Transaction charge of 1.8% of the transaction amount
Fuel Surcharge would not be applicable for the transactions done on HDFC
Bank swipe machines at government petrol outlets (HPCL/ IOCL/ BPCL).
Instant Pin Generation (Set up your own PIN using NetBanking and
MobileBanking) Free
ATM PIN generation Free
1
Decline charges for insufficient balances Transactions declined at other bank ATMs anywhere in the world or at a
(For non-HDFC Bank Domestic / International ATMs as well as at merchant outlet / website outside India due to insufficient funds will be
International merchant outlets / online stores) charged at Rs. 25 + applicable taxes per transaction
3.5%# + applicable taxes on foreign currency transaction carried out on Debit
Cards.
The exchange rate used will be the VISA/MasterCard wholesale exchange
Cross-currency mark-up charges on foreign currency transactions
rate prevailing at the time of transaction/merchant settlement.
# Preferential cross currency mark-up of 0.99% applicable only on Infiniti
Debit Card
With effect from February 2025, a Markup fee of 1%+taxes will be levied on all
transactions carried out in Indian Currency at an international location or at
Dynamic Currency Conversion (DCC) Markup Fee merchants which are located in India but registered overseas through Debit
Card.
ATM TRANSACTION CHARGES
Charges at Domestic ATMs
Charges beyond prescribed limit of
Account Type HDFC Bank ATMs Other Bank ATMs
free transactions
At Metro ATMs: 3 Free Cash Withdrawal - Rs 21/- plus applicable
Transactions taxes
Savings & Salary Account Free Transactions - 5
At Non-Metro ATMs: - 5 Free Non-Financial Transaction - Rs 8.50/- plus
Transactions applicable taxes
At Metro ATMs - 3 Free
Current Account (Flexi, Plus, Max, Apex, Transactions Cash Withdrawal & Non-Financial
Ultima, Merchant Advantage Plus & Unlimited Transaction - Rs 21/- plus applicable
Supreme Current Account) At Non-Metro ATMs - 5 Free taxes
Transactions
Current Account (Regular, Premium,
Trade, Agri, Current Account for Cash Withdrawal & Non-Financial
Professionals, Ezee, Current Account for Charged from 1st transaction
Unlimited Transaction - Rs 21/- plus applicable
Hospitals /Nursing Homes/ Pathology labs, onwards
taxes
Merchant Advantage & TASC)
Note:
With effect from 1st January 2022, ATM transaction charge rate beyond free limit of Rs. 20 + taxes would be revised to Rs. 21 +
taxes, wherever applicable.
For transactions at HDFC Bank ATMs, only Cash withdrawal transactions will be considered for charging. Non-Financial
Transactions (Balance Enquiry, Mini Statement & PIN Change) will be free.
For transactions at Non HDFC Bank ATMs, transactions considered for charging will include both Financial (Cash Withdrawal)
and Non-Financial Transactions (Balance Enquiry, Mini Statement & PIN Change).
Transactions conducted at ATMs in Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad will be considered as
Metro ATMs.
Please refer relevant product section on website for detailed information.
You will be allowed to withdraw a maximum of Rs. 10,000 per transaction from another bank’s ATM.
Charges at International ATMs
Type of ATM Charges
Rs. 25 + applicable taxes per Balance Enquiry & Rs. 125 + applicable taxes per Cash Withdrawal + 3.5% #
Cross Currency Mark up for non-managed segment.
ATM Charges - Usage outside India
Rs. 15 + applicable taxes per Balance Enquiry & Rs. 110 + applicable taxes per Cash Withdrawal + 3.5% #
Cross Currency Mark up for managed segment.
# Preferential cross currency mark-up of 0.99% applicable only on Infiniti Debit Card
2
3
