Debit cards are a simple way to pay for things. They look similar to credit cards but work differently. When you use a debit card, the money comes directly from your bank account. It’s like using cash but safer and more convenient. You can also use debit cards to withdraw money from an ATM whenever you need cash, so you don’t have to carry money with you all the time. HDFC Bank, or the Housing Development Finance Corporation, is one of the leading financial institutions in India. It offers a wide range of banking services, such as savings and loan products for individuals and credit cards for easy payment solutions. With more than 8,500+ branches in India, HDFC Bank prioritizes that everyone gets the personalized help they need.

Top Hdfc bank Debit cards

HDFC Bank offers a range of debit cards designed for its customers’ diverse needs. These cards simplify payments, providing a direct link to the user’s bank account for hassle-free transactions. They offer various benefits, including cashback on purchases, airport lounge access, raised ATM withdrawal limits, and exclusive rewards. HDFC Bank’s debit cards are a popular choice because they prioritize security and convenience. Let’s explore the details of the top HDFC debit cards to understand what sets them apart.

List of all the Top Debit Cards from HDFC Bank

Millennia Debit Card

HDFC Milennia Debit Card

Issuance/Annual Fee – ₹500 + Taxes

The Millennia Debit Card from HDFC Bank is perfect for those who love shopping online and offline. It offers generous cashback points on purchases and, with a nominal annual fee, cardholders also enjoy airport lounge access, making travel more comfortable. It’s a great choice for those seeking rewards and conveniences in their spending. The main features of the Millennia Debit Card are as follows:

  • This card offers 5% cashback points on shopping through PayZapp and SmartBuy, 2.5% cashback points on online spending, and 1% cashback points on offline spending and wallet reloads.
  • This card offers cashback for transactions above ₹400, with a monthly cap of 400 points, redeemable in multiples of 400 via NetBanking.
  • Cardholders can enjoy complimentary domestic airport lounge access once every quarter (4 times annually) when spending ₹5,000 in the previous quarter.
  • The card includes beneficial insurance like accident death cover, international air accident cover, checked baggage insurance, fire, and burglary protection for purchases, and a zero liability policy for unauthorized transactions.

MoneyBack Debit Card

HDFC Moneyback Debit Card

Issuance/Annual Fee – ₹300 + Taxes

The HDFC MoneyBack Debit Card is designed for those who want to earn rewards on their everyday spending. With a nominal annual fee, cardholders enjoy cashback on various categories like fuel, groceries, and more, enhancing the shopping experience. The features of this card are as follows:

  • MoneyBack cardholders will earn 1% cashback on every ₹100 spent on fuel, apparel, insurance, education, and groceries, up to a maximum of ₹250 per month for each card.
  • If made within 60 days of card issuance, users will receive a welcome voucher on the first transaction of ₹500 or more in select categories like entertainment and dining.
  • This card comes with a daily ATM withdrawal limit of ₹25,000 and a shopping limit of ₹3 lakhs.
  • Cardholders will receive insurance coverage, including accident death cover up to ₹15 lakhs, fire and burglary protection of ₹2 lakhs, and checked baggage insurance of ₹ lakhs.
  • From 1 January 2018, transactions on HDFC Bank swipe machines are exempt from fuel surcharges.

Infiniti Debit Card

HDFC Infiniti Debit Card

Issuance/Annual Fee – ₹2,500 + Taxes

The Infiniti Debit Card is a premium option from HDFC that offers elevated spending limits and exclusive benefits. Users enjoy higher ATM withdrawal and shopping limits, making it a good option for those who frequently participate in high-value transactions. It’s a card that mixes luxury with convenience. The main features of the Infiniti Debit Card are as follows:

  • The Infiniti Debit Card has an ATM withdrawal limit of ₹2 lakh and a shopping limit of ₹10 lakh.
  • Cardholders can enjoy up to 5% CashBack on transactions via PayZapp & SmartBuy.
  • This card offers 16 complimentary domestic lounge accesses annually, with a limit of 4 per quarter.
  • This card includes 8 free golf sessions annually, up to 2 each quarter for active accounts.
  • On spending ₹3 lakhs or more in a quarter to receive Taj vouchers worth ₹7500, valid for the first year.
  • Infiniti Debit Card has a foreign currency markup of 0.99%.
  • This card also provides a comprehensive package of ₹3 crore for air accidental insurance and zero liability coverage up to ₹10 lakhs for online frauds.

Imperia Platinum Debit Card

HDFC Imperia Platinum Debit Card

Issuance/Annual Fee – ₹850 + Taxes (from 1st August 2024)

The HDFC Bank Imperia Platinum Debit Card provides both security and convenience to its users. It allows for generous withdrawal and shopping limits. The card includes benefits such as airport lounge access and comprehensive insurance coverage, making it a great choice for people who value security and perks in their financial transactions. The features of the Imperia Platinum Debit Card are as follows:

  • The HDFC Bank Imperia Platinum Debit Card has an embedded microchip for enhanced security. This chip encrypts data, making transactions more secure.
  • The Imperia Platinum Debit Card offers a daily limit of ₹1 lakh on ATM withdrawals and ₹5 lakhs for daily shopping.
  • This card offers two complimentary domestic airport lounge access every quarter on spending ₹5,000 in the previous quarter.
  • This card includes insurance of death cover by air/ road/ rail, international air coverage, loss of checked baggage, and fire & burglary items.
  • Cardholders get 1 cashback point for every ₹100 spent on utilities and 1 point for every ₹200 spent on groceries, apparel, supermarket, and entertainment.

Preferred Platinum Debit Card

HDFC Preferred Platinum Debit Card

Issuance/Annual Fee – ₹850 + Taxes (From 1st August 2024)

The Preferred Platinum Debit Card is great for people who want convenience in their daily transactions. It offers higher spending limits and improves shopping and travel experiences. Users earn points on everyday purchases and get extra benefits such as airport lounge access and comprehensive insurance protection.

  • The Vishesh Debit Card offers a daily spending limit of ₹1 lakh for ATM withdrawals and ₹5 lakhs for shopping.
  • With the Vishesh Debit Card, cardholders earn cashback points. They earn 1 point for every ₹100 spent on telecom and utilities and 1 point for every ₹200 spent on groceries, restaurants, apparel, and entertainment, capped at ₹750 per month.
  • Fuel surcharge reversal on transactions at HDFC Bank swipes machines since 1st January 2018.
  • From 1st January 2024, Preferred cardholders will get two complimentary domestic airport lounge access quarterly upon spending ₹5,000 or more in the previous quarter.
  • Insurance coverage is also included in this card.
Categories Insured
Death Cover by Air/ Road/ Rail ₹12,00,000
International Air Coverage ₹3 Crore
Fire & Burglary ₹2,00,000
Loss of Checked Baggage ₹2,00,000

HDFC Bank Times Point Debit Card

HDFC Bank Times Point Debit Card

Issuance/Annual Fee – ₹650 + Taxes

The HDFC Bank Times Point Debit Card offers benefits created for those who enjoy shopping and entertainment. Cardholders can earn rewards on their everyday purchases with exclusive deals, making shopping more enjoyable and convenient. The features of the above card are as follows:

  • The HDFC Bank Times Points Debit Card is part of a loyalty program. It offers Times Points, which can be used across various categories, such as online shopping, dining, and groceries.
  • Users will get 500 Times Points as a welcome benefit on the first shopping transaction with the card.
  • Cardholders will earn 2 Times Points for every ₹150 spent, except for fuel, jewelry, and business services. There is no maximum cap on the points that can be redeemed.
  • This card offers additional offers, such as up to 5% cashback when transacting through PayZapp & SmartBuy, along with insurance coverage, including personal and air accident covers.
  • Complimentary domestic airport lounge access is also offered to users once every quarter.

RuPay Premium Debit Card

HDFC Rupay Premium Debit Card

Issuance/Annual Fee – ₹200 + Taxes

The RuPay Premium Debit Card is primarily designed for those who prefer domestic over international transactions. This debit card gives you extra benefits for shopping, dining, and travel. It’s made for people who want more from their banking experience. The features offered by the RuPay Premium Debit Card are as follows:

  • The RuPay Premium Debit Card offers a daily ATM withdrawal limit of ₹25,000 and a shopping limit of ₹2.75 lakhs.
  • Cash withdrawals at merchant establishments are capped at ₹2,000 per day, with a monthly limit of ₹10,000.
  • The RuPay Premium Debit Card offers its users exclusive discounts on Amazon Pay, Swiggy, IGP, etc.
  • Complimentary insurance coverage of up to ₹2 lakhs from NPCI for all kinds of personal accidents, accidental death, and permanent total disability.
  • This card offers 2 international airport lounge visits and one domestic airport/ railway lounge access annually.
  • Concierge services are available 24×7, offering assistance with gifts, restaurants, travel, investments, etc. The service can be availed by calling the toll-free number 1800-26-78729.
  • This card offers a no-cost EMI option for purchases above ₹5,000 across various categories and brands.

Woman’s Advantage Debit Card

HDFC Woman’s Advantage Debit Card

Issuance/Annual Fee – ₹200 + Taxes

The Woman’s Advantage Debit Card is created to empower women with financial freedom. It is designed with exclusive benefits and offers convenience for everyday transactions. Managing your finances smartly and efficiently is easy with this card. The main features of this card are given below.

  • Cardholders will earn 1 CashBack point for every ₹200 spent on telecom, utilities, groceries, supermarket, restaurant, apparel, and entertainment, capped at ₹750 monthly.
  • This card offers insurance coverage for fire and burglary and purchases protection up to ₹2,00,000 each, along with ₹2 lakhs checked baggage insurance for international trips and zero liability on fraudulent transactions reported within 90 days.
  • The daily limit for ATM withdrawal is ₹25,000, and the shopping limit is ₹2.75 lakhs.

Bottom Line

Debit cards are a safe and convenient way to handle your everyday transactions directly from your bank account without needing to carry cash. HDFC Bank’s debit cards, with their diverse benefits like cashback, lounge access, and high security, meet the different needs of individuals. Whether you’re shopping online, traveling, or just managing your daily expenses, HDFC’s debit card range makes sure that you get more out of your spending while keeping your transactions secure. They are a great choice for anyone who wants convenient spending along with extra benefits and protection.

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