Claim exciting rewards and cashback with best HDFC Bank Debit Cards
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Indialends, 26 Mar 2026

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HDFC Bank Debit Cards

What is LAMF Finance Charges (Interest Rates) Late Payment Fees Cash Advance Fees

People are nowadays more comfortable with plastic money than real cash. The hassles for taking cash, standing in ATM queues, payment lines, risk of theft all are gone with the advent of HDFC debit cards. It makes customer enjoys the cashless facility be it shopping or making payment of utility bills. Read here in detail about the benefits of applying for HDFC Bank debit cards.

Here are the features of HDFC Bank Debit Cards

  • There are a plethora of privileges associated with HDFC Bank Debit cards that allows you to enjoy every payment facility with nominal charges and interest payment. 
  • Pin-based protection and secured online payments at all stores as they are Verified by Visa / MasterCard Secure Code Password or One Time Password (OTP).
  • Makes you avail of varied discounts and cashback on fuel, shopping, traveling, dining, entertainment, and many other lifestyle categories. 
  • Get free insurance cover up to Rs 10 Lakh.
  • A debit card allows you to swipe cards at the POS terminal of leading outlets.
  • You are allowed to set your daily shopping limits and international limits by requesting customer care or using a net banking facility.
  • You receive SMS Alerts to help you track your expenses

Popular HDFC Bank Debit Cards


Name of Debit CardsReward pointsOther facilitiesInsuranceInterest rate
Jet Privilege HDFC Bank Signature Debit CardYou can accumulate JP Miles which can be used to redeem free flights
-

You are entitled to a free Personal Accidental Death Insurance Cover of up to Rs. 25 lacs

You are ensured card security in case your debit card gets lost.


Rs. 500 + applicable taxes. Free in the first year for HNW customers (Classic, Preferred, and Imperia) & select corporates
Times Points Debit CardA discount of 10% at least and more on online lifestyle, entertainment, dining, and grocery

Welcome benefits -500 Times Points Debit Card on your very first shopping with Times Points Debit Card.

2 Times Points on every Rs. 150 spend whenever you shop at POS and online merchant


You have entitled to a Free Accidental Death Insurance Cover of up to Rs. 10 lakhs.
Rs 650+applicable taxes
EasyShop Platinum Debit Card1% Cashback (of up to Rs. 750 / month) on shopping at select merchant categories
ATM withdrawal limits of 1 lakh and Shopping limits of 5 lakhs
You are entitled to a Free Accidental Death Insurance Cover of up to Rs. 10 lakhs
Rs 750+ applicable taxes
HDFC Bank Rewards Debit CardWith HDFC Bank's Rewards Debit Card earn up to 2000 rewards points every month on your spending.
Earn up to 2000 rewards points every month on your spending.
You are entitled to a Personal Accidental Death Insurance Cover of Rs. 5 Lakhs
Rs 500+ taxes
EasyShop Women Advantage Debit Card0.5% Cashback on shopping at select merchant categories*
-You are entitled to Free Insurance cover of Rs. 5 lakhs
Rs 200+ taxes
EasyShop Preferred Platinum Debit Card1% Cashback (up to Rs. 750 / month) on shopping at select merchant categories
ATM withdrawal limits of 1 lakh and Shopping limits of 5 Lacs
You are entitled to a Free Personal Accidental Death cover of up to Rs. 12 lakhs
Rs 750+ taxes
RuPay Premium Debit Card5% Cashback on Utility Bills paid using Debit Card
RuPay Premium Debit Card can be used at ATMs and shopping outlets Internationally as well as in India
You are entitled to free Personal Accidental Death cover of up to Rs. 12 lakhs
Rs 200+ taxes
EasyShop Classic Platinum Debit Card1% Cashback (up to Rs. 750 / month) on shopping at select merchant categories
ATM withdrawal limits of 1 lakh and Shopping limits of 5 Lacs
You are entitled to Personal Accidental Death / Permanent Disability Insurance up to Rs.2 Lakhs
Rs 750+ taxes

How to apply for HDFC Debit Cards?

Offline Mode

You can visit the nearest branch of HDFC Bank and meet the representative. All the further procedures of applying for a debit card will be guided to you by the concerned representative.

 Online Mode 

All you need to do is follow these steps to apply- 

  • Visit the HDFC Official Website. 
  • On the home page, you will find the Pay option, under which you will see a drop-down of various card options.
  • Select debit cards. Here, you will find various HDFC debit cards, pick the one that suits your needs. Click on the Signup, where you will get 2 options, like- 'Existing customer' or 'I'm a new customer. Select the right option and proceed further. 
  • After completion of the process, you will get the debit card and the checkbook within 48 hours at your doorstep. 

The documents required to apply for HDFC Bank Debit Cards

You need to provide your address details, PAN card, scanned copy of your identity, and address proof.


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FAQ’s

Loan against mutual funds (LAMF) allows you to borrow cash against your mutual fund investments as collateral. You can use Volt Money to lien mark your mutual funds digitally to avail an instant limit without losing the ownership of your mutual funds and all the associated benefits with it. Funds will be made available in the form of an overdraft facility.

The annual fee for the Axis Privilege Card is typically Rs. 1,500 plus taxes. This fee can be waived if the cardholder achieves an annual spending milestone, though the exact spending amount for the waiver can vary by card variant. For example, a common waiver condition is spending above Rs. 2.5 lakh in an anniversary year.

Luxe Vouchers are digital gift cards that can be redeemed across popular luxury and lifestyle brands such as Myntra, Flipkart, Pantaloons, and more. Once you qualify for the offer, the voucher code will be sent directly to your registered email ID or mobile number. In most cases, vouchers are delivered within 5–7 working days after successful validation of your transaction or application.

Yes, you can apply even with a low CIBIL score, but your chances of approval may be limited. Most banks and lenders prefer a CIBIL score of 750 or above for quick approval and better interest rates. If your score is lower, some lenders may still consider your application based on other factors such as your income, employment stability, or existing relationship with the bank. However, you may be offered a lower loan amount or higher interest rate. Improving your credit score before applying can increase your chances of getting approved on favorable terms.

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