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The Woman’s Advantage Debit Card is specially curated for women and was the first woman’s debit card in the country. It is the first debit card in the country created exclusively for women, aiming to empower them to manage their money and cater to their shopping and lifestyle requirements. With an annual fee of just ₹200 plus applicable taxes, the Woman’s Advantage Debit Card offers a range of benefits.
The Woman’s Advantage Debit Card is easily accessible to both residents and NRIs holding various types of accounts. With its unique features and benefits, the Woman’s Advantage Debit Card is a valuable financial tool for women to take control of their finances and enjoy exclusive perks designed to enhance their overall financial well-being.
Features of the Woman Advantage Debit Card
Low Annual Fees
The annual fee for the Woman Advantage Debit Card is ₹200 plus applicable taxes. This fee is charged once a year for the benefits and features that come with the card. It’s important to note that taxes will be added to the annual fee amount.
Cashback Earned
The Woman Advantage Debit Card offers a cashback of 1 point for every Rs. 200 spent on categories including Telecom, Utilities, Groceries & Supermarket, Restaurant & Apparel, and Entertainment. The maximum cap for cashback is Rs. 750 per card per month.
The cashback points earned from your purchases can be redeemed through NetBanking in multiples of 100. It’s important to note that you will not earn cashback points for any other categories apart from the ones mentioned above. The cashback points earned will be valid for redemption within the next 12 months, after which they will expire. Please keep in mind that a minimum of 100 points is required for redemption.
Card Limit
Debit cards come with higher card limits which is beneficial for people who love shopping or use cards for daily essentials. The Woman’s Advantage Debit Card offers ₹25,000 on a daily domestic ATM withdrawal limit and ₹2,75,000 on daily domestic shopping. You can now withdraw cash at stores using your HDFC Bank Debit Card, with a daily limit of Rs. 2,000. The maximum cash limit per month at the point of sale (POS) is Rs. 10,000.
Discount on Locker Fees
If you have a Woman’s Advantage Debit Card, you can get a 50% discount on locker fees for the first year. This discount applies to only one locker per card and only the people who own an account in the HDFC Bank can avail of this service. To get the discount, just show your Woman’s Advantage Debit Card at the HDFC Bank branch.
Fuel Surcharge Waiver
Fuel surcharge will not be applied to transactions made using HDFC Bank swipe machines at government petrol outlets operated by Hindustan Petroleum Corporation Limited (HPCL), Indian Oil Corporation Limited (IOCL), or Bharat Petroleum Corporation Limited (BPCL).
Insurance Coverage
The Woman’s Advantage Debit Card offers an insurance cover that includes comprehensive protection for various aspects of your life. This cover includes insurance for air accidents of up to ₹10 lakhs, personal accident insurance of up to ₹2 lakhs and permanent disability cover of up to ₹2 lakhs. Additionally, it provides purchase protection and covers loss of life due to a mishap while traveling on a valid ticket.
| Insurance | Amount |
| Death Cover by Air/ Road/ Rail | ₹5 Lakh |
| International Air Coverage | ₹25 Lakh |
| Fire and Burglary Protection | ₹200,000 |
| Checked Baggage | ₹2 Lakh |
Bottom Line
The Woman’s Advantage Debit Card is a valuable financial tool designed exclusively for women, offering a range of benefits to help them manage their money and meet their shopping and lifestyle needs. With a low annual fee, this debit card provides cashback on specific categories, higher card limits for daily transactions, a discount on locker fees, fuel surcharge waivers, and comprehensive insurance coverage. It is easily accessible to both residents and NRIs holding various types of accounts. This card is a great way for women to take control of their finances and enjoy exclusive perks that enhance their overall financial well-being.
