HDFC Bank Rewards Debit Card - Features & Benefits
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Indialends, 26 Mar 2026

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HDFC Bank Rewards Debit Card

If you want to feel like being rewarded every day, go for an HDFC Bank Rewards debit card. The reward program of this debit card allows you to earn up to 2000 Reward Points each month. The card has fuel surcharge reversal so that you save when you spend on fuel for your vehicle. An additional bonus is the personal accidental death insurance cover worth Rs. 5 Lakhs that cardholders are entitled to get.

Features of HDFC Bank Rewards Debit Card

 Welcome vouchers

On joining the membership of HDFC rewards debit card, one is getting the welcome voucher from eBay. in and merchant discounts from Apollo Pharmacy.

Makes you earn reward point on everyday spends

The reward program of the Reward debit card of HDFC bank makes you earn huge reward points when you are swiping the card at big brands like BPCL, Big Bazaar, Snapdeal, Payzapp, IRCTC, Apollo Pharmacy, etc.

Insurance cover

The HDFC rewards debit card also offering road, rail, or air accident cover worth Rs 5 Lakh. For claiming the same, it is a must that the card is swiped once every 30 days.

Air accident coverage

The card offers Rs 25 Lakh as air accident coverage if the tickets were booked using the card.

Zero Liability cover:

The zero liability coverage is provided to the cardholder against any fraudulent transactions up to Rs 1 Lakh that take place at a point of sale. You can only claim as long as the loss or theft of card information is provided to the officials within 30 days of card loss.

The eligibility criteria to apply for HDFC Bank Rewards Debit Card

Individual Account holders (Savings Account/Corporate Salary Accounts & Senior Citizens) are eligible to apply. Existing eligible customers can also upgrade their accounts to apply for this card.

If you are new to HDFC bank, you are required to open an account with the bank. For this, you need to download the account opening form from the bank’s website. After that, fill in the form to apply for an EasyShop platinum debit card.

Once you have completed the form with the required information, submit it to any of the nearest HDFC branches of the bank. Once processing is complete, your debit card will be sent to your mailing address.

Fee and charges

Annual FeeRs 500+ applicable taxes
Add-on-cardRs 500+ applicable taxes
POS/E-com TransactionsNIL
Decline charges on insufficient balancesRs 25+ applicable taxes
Foreign Currency mark-up3.5% + applicable taxes
Duplicate PinNIL
Make-up charges for each POS transaction or railway bookingsTransaction charge of 1.8% of the transaction amount

In case you are an existing account holder in HDFC bank, here are the steps to follow:

  • 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.

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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