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Comprehensive Guide to HDFC Bank Debit Card Fees and Charges

When using an HDFC Bank debit card, it's essential to understand the various fees and charges associated with different transactions and services. Whether you're using your card domestically or internationally, knowing these charges can help you manage your finances better. This guide provides a detailed overview of the fees and charges for various HDFC Bank debit cards, including annual fees, ATM transaction charges, and additional costs for services like card replacement and international usage.

Debit Card Fees and Charges

Annual and Renewal Fees

HDFC Bank offers various debit card options, each with its own set of fees:

• 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
• Woman’s Advantage Debit Card: Rs. 200 + applicable taxes
• Rupay Premium Debit Card: Rs. 200 + applicable taxes
• Money Back Debit Card: Rs. 300 + applicable taxes
• Rupay NRO Debit Card: Rs. 200 + applicable taxes

Note: For High Net Worth (HNW) customers, including Classic, Preferred, and Imperia program members, these debit cards are free as long as the customer remains in the respective program. Charges for Corporate Salary customers depend on their corporate eligibility.

Replacement Charges

If you need to replace or reissue your debit card, the following charges apply:

• Replacement/Reissuance: Rs. 200 + applicable taxes

Charges for Phased-Out Debit Card Variants

Certain older debit card variants still have applicable charges:

• 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

Important: These fees are subject to revision, with new rates effective from 1st August 2024.

Other Important Charges

Domestic Merchant Outlets and Websites

HDFC Bank does not charge for transactions made at domestic merchant locations and websites using the debit card. However, certain merchants, like IRCTC or railway stations, may apply transaction charges as per industry standards.

• 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

ATM Transaction Charges

HDFC Bank categorizes ATM charges based on the account type and location:

Domestic ATMs:

Savings & Salary Accounts:

• 5 free transactions at HDFC Bank ATMs
• 3 free transactions at other bank ATMs in Metro cities
• Charges beyond the limit: Rs. 21 + applicable taxes for cash withdrawals, Rs. 8.50 + applicable taxes for non-financial transactions

Current Accounts:

• Unlimited free transactions at HDFC Bank ATMs
• Charges for other bank ATMs: Rs. 21 + applicable taxes for both cash withdrawals and non-financial transactions

International ATMs:

• Balance Enquiry: Rs. 25 + applicable taxes (unmanaged segment), Rs. 15 + applicable taxes (managed segment)
• Cash Withdrawal: Rs. 125 + applicable taxes (unmanaged segment), Rs. 110 + applicable taxes (managed segment)
• Cross-Currency Mark-up: 3.5% + applicable taxes on foreign currency transactions (0.99% for Infiniti Debit Card holders)

Note: The cross-currency mark-up is a fee charged for transactions conducted in foreign currencies, with the exchange rate based on the VISA/MasterCard wholesale rate at the time of the transaction.

Decline Charges for Insufficient Balances

For transactions declined due to insufficient funds at non-HDFC Bank ATMs or international merchant outlets, a charge of Rs. 25 + applicable taxes per transaction will be levied.

Conclusion

Understanding the fees and charges associated with your HDFC Bank debit card helps you make informed decisions and avoid unexpected costs. Be sure to review these details regularly, especially if you're using your debit card for international transactions or specific services like card replacement.