7 Best HDFC Bank Debit Card in 2023

HDFC Bank Debit Card

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HDFC Bank is one of the largest private sector banks in India. It offers a range of financial products and services, including debit cards. HDFC Bank debit cards are linked to customers’ savings or current accounts and can be used for various transactions such as cash withdrawals, online purchases, and payments at merchant outlets.

Types of Debit Cards

Sr NoName
1. Millennia Debit Card
2. MoneyBack Debit Card
3. Infiniti Debit Card
4. EasyShop Imperia Platinum Chip Debit Card
5. Vishesh Debit Card
6. Times Points Debit Card
7. RuPay Premium Debit Card

Also Read: Role of Women in the Workplace in 2023

1. Millennia Debit Card

Features

  • Receive up to $4800 in CashBack each year.
  • 5% CashBack points when using PayZapp and SmartBuy to make purchases
  • 2.5% CashBack on all online purchases
  • 1% CashBack on all in-person purchases and wallet reloads
  • 4 Free domestic airport lounge access each year
  • Up to 10 lakhs in accidental insurance coverage

Eligibility Criteria

  • NREs and residents can both apply.
  • Indians who live there should possess one of the following:
  • Savings Account
  • Current Account
  • SuperSaver Account
  • Loan Against Shares Account (LAS)
  • Salary Account
  • Individual Account Holders (Savings Account, Corporate Salary Accounts & Senior Citizens)

Fees & Charges

  • Annual fee per Card Rs500 + applicable taxes
  • Debit Card Replacement/Reissuance Fees: Rs200 plus applicable taxes
  • Request to retrieve a charge slip: 100
  • Please take note that using the debit card to make purchases at merchant establishments and at HDFC Bank ATMs is free of charge. However, transaction fees in accordance with industry standards will be applied at petrol stations and railway stations.

How to Apply or Documentation Process

Have you opened an HDFC Bank account yet?
Simply download, print, and complete the application form with your information. then deliver it to the HDFC Bank branch closest to you. The remainder will be handled by us, and the card will be delivered to your postal address.

2. MoneyBack Debit Card

Features

  • 1% cash back is given for every Rs. 100 spent on fuel, clothing, insurance, groceries, and education; the maximum cashback per card each month is Rs. 250.
  • The first transaction within 60 days after card issuance for a value more than or equal to 500 will receive a welcome benefit in the form of a welcome voucher with a minimum transaction value of Rs. 500.​​​​​​​​​​​​​​

Eligibility Criteria

  • Indians living in the state who have one of these accounts:
  • NREs and residents can both apply.
  • Indians who live there should possess one of the following:
  • Payroll Account
  • Financial Account
  • Account Current

Fees and Charges

  • 200 in annual fees plus taxes
  • Replacement / Reissuance fees: 200 plus any applicable taxes *Effective as of December 1, 2016​​​​​​​

3. Infiniti Debit Card

Features

  • 10 lakhs enhanced POS/e-commerce purchase limit
  • 2 lakhs in additional daily ATM withdrawals
  • 0.99% preferred cross-currency markup
  • 16 free passes to domestic lounges, four per quarter
  • 8 free rounds of golf, 2 per quarter for customers that are active
  • 3 crore of total insurance coverage for air accidents and 10 lakhs of liability-free protection from internet fraud
  • Taj Vouchers worth Rs. 7500 each quarter for purchases totaling at least Rs. 3 lakhs (only good for the first year). Offer may be redeemed against both lodgings and eating within 90 days of the end of each quarter.

Eligibility Criteria

This invitation card is only for the bank’s Infiniti customers. Based on the client profile, the bank will upgrade the account, and those who qualify will receive an invitation.

Fees & Charges

Each Card has an annual charge of Rs. 2500 plus any relevant taxes.

4. EasyShop Imperia Platinum Chip Debit Card

Features

Your Imperia Platinum Chip from HDFC Bank EasyShop(Your card contains a tiny microchip in this location. Transactions made with your chip debit card are safer because it is encrypted.

Eligibility Criteria

  • Same as Millennia Debit Card

Fees & Charges

Below are the interest rates and fees for the HDFC Bank EasyShop Imperia Platinum Chip Debit Card.

EasyShop Imperia Platinum Chip Debit Cards have an annual cost of Rs. 750* (excluding taxes).
As long as you participate in the HDFC Bank Imperia Premium Banking Programme, the aforementioned costs are waived. Click here to view additional fees and charges.

5. Vishesh Debit Card

Features

  • Limits on domestic purchases each day: Rs. 5 lac
  • Limits for domestic ATM withdrawals per day: Rs. 1 lac
  • With the new cash withdrawal option, you can withdraw cash from any merchant location with your HDFC Bank debit card up to a daily limit of Rs. 2,000 and a monthly limit of Rs. 10,000. To adjust the limit* on your debit card to your needs, log in to NetBanking. Please take note that the limitations can be raised just as far as your debit card’s permissible limits allow.

Eligibility Criteria

  • Same as EasyShop Imperia Platinum Chip Debit Card

Fees & Charges

  • Annual Fees: Pay an annual/renewal fee of ₹750 + applicable taxes

6. Times Points Debit Card

Features

  • For the first 12 months after signing up for automatic bill payments through BillPay with an HDFC Bank Debit Card, enjoy 5% CashBack.
  • Maximum CashBack of Rs. 1800 per year.
  • A special discount of up to Rs. 500* on Amazon Pay and more
  • Simple Register with NetBanking. Pay Bills & Recharge > Biller Add > On a debit card, enable autopay.

Eligibility Criteria

  • Same as EasyShop Imperia Platinum Chip Debit Card

Fees & Charges

  • Annual fees-₹ 650 + taxes
  • Replacement / Reissuance charges-₹ 200 + applicable taxes 
  • Usage charges
  • Railway Stations: ₹ 30 per ticket + 1.80% of the transaction amountIRCTC: 1.80% of the transaction amount

7. RuPay Premium Debit Card

Features

  • ATM withdrawal caps for India each day: Rs. 25,000
  • Limits on daily domestic purchases: Rs. 2.75 lacs
  • On your HDFC Bank Debit Cards, you can now withdraw cash from any merchant location with a daily withdrawal restriction of a maximum of Rs. 2,000 and a monthly withdrawal limit of a maximum of Rs. 10,000.

Eligibility Criteria

  • Same as Millennia Debit Card

Fees & Charges

  • Annual fees-₹ 200 + taxes
  • Replacement / Reissuance charges-₹ 200 + applicable taxes
  • ATM Pin Generation-₹ 50 + applicable charges
  • Usage charges-30 per ticket + 1.80% of the transaction amountIRCTC: 1.80% of the transaction amount

  • Joining Benefits: First Swipe Bonus of 500 InterMiles on spending Rs. 150 from the date of issue of the card subject to payment of annual fees 
  •  Renewal Benefits: Renewal Bonus of 500 InterMiles on spending Rs. 150 from the date of renewal of the card subject to payment of annual fees 
  • Ongoing Benefits: Discount on Etihad Airways Economy class ticket bookings made through InterMiles.com*
  • 2.5 X Accelerated earnings for Etihad Flight bookings made on InterMiles.com*
  • 2X Accelerated earnings for all Flight bookings made on

Conclusion

In 2023, HDFC Bank continues to offer a range of debit cards that cater to various customer needs. While the “best” debit card ultimately depends on individual preferences and requirements, here is a list of seven HDFC Bank debit cards that stand out in terms of features, benefits, and popularity in 2023:While these are some of the best HDFC Bank debit cards in 2023, it’s important to thoroughly research each card’s terms, conditions, fees, and benefits to choose the one that aligns with your specific needs and financial goals.

Frequently Asked Questions (FAQs)

  1. Which HDFC debit card is best for 2023?

    1. Jet Privilege HDFC Bank World Debit Card.
    2. EasyShop Platinum Debit Card.
    3. HDFC Bank Rewards Debit Card.
    4. Rupay Premium Debit Card.
    5. Millenia Debit Card.
    6. EasyShop Imperia Platinum Chip Debit Card.
    7. EasyShop Business Debit Card.
    8. EasyShop Woman’s Advantage Debit Card.

  2. Which is better HDFC Platinum or HDFC Millennium debit card?

    On the Platinum debit card, which includes normal cashback and Smartbuy, we may receive up to Rs. 1750 in cashback each month. What we receive from the Millennium debit card is lower than this. However, Millennia receives greater cashback for each purchase, and that too across the board.

  3. Who will get an HDFC Platinum debit card?

    If you have a Savings, Current, SuperSaver, Loan Against Shares, or Salary Account with HDFC Bank, you are eligible to apply for this debit card, as are NREs and Indian residents.

  4. Which debit card gives 1% cashback?

    HDFC platinum and millenia give 1% cashback, SBI debit cards give 0.25%.

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