HDFC ATM Withdrawal Limit – Daily Limit, Charges & Transaction Rules

Key Insights
 

1. The HDFC ATM Withdrawal is available for domestic and international use with a top Debit Card.
    
2. You can check the HDFC ATM withdrawal limit through Net Banking and customer services.
    
3. You can increase or decrease the HDFC ATM Withdrawal Limit.

HDFC Bank offers different types of Debit cards that help you manage your money, and you can withdraw cash as needed.

The ATM withdrawal limit is the maximum amount of cash you can withdraw in a single day, but the HDFC ATM withdrawal limit shows a daily limit on how much amount you can withdraw.

In this blog, you can learn about the ATM withdrawal limit for different types of HDFC Bank cards and how to check your HDFC card withdrawal limit.

What is HDFC Bank's ATM Withdrawal Limit?

HDFC Bank provides ATM facilities to customers, but there are limits on cash withdrawals at its ATMs. This helps you to save unnecessary penalties.

Let's understand the HDFC Bank ATM withdrawal limit with an example.

My friend Dev uses the HDFC Platinum Debit Card regularly because it offers 5% discount on Swiggy up to 150 cashback points per month, Airport Lounge Access, and Insurance Benefits.

The HDFC Platinum Debit Card has an ATM withdrawal limit that Dev should know about, because it helps him to avoid unnecessary fees.

Here is the ATM withdrawal limit for the HDFC Platinum Debit Card:
 

Generally, Dev uses a contactless, hassle-free payment method. Still, sometimes he needs cash, so he uses his HDFC Platinum Debit Card for cash withdrawals, according to the card's withdrawal limit.

Bonus Tip: Do you know? You can compare your HDFC Debit Card with other HDFC Debit Cards. 

HDFC Bank ATM Withdrawal Limit by Card Type

HDFC offers various Debit cards to our customers, which allow you to withdraw cash, but every Debit Card has their own ATM withdrawal Limit.

Here is the HDFC Debit Card ATM withdrawal Limit:
 

These are the top HDFC Debit Cards, which has an ATM withdrawal limit that helps you avoid unnecessary charges.

How to Check HDFC Bank ATM Withdrawal Limit?

There are several ways which help you check your HDFC Debit card and allow you to decide whether to increase or decrease your debit card limit.

Here are the ways to check the HDFC Bank ATM Withdrawal Limit:

1. Via HDFC Bank Internet Banking dashboard

Follow these steps to check your HDFC ATM withdrawal limit through Net banking.
 

• Log in to HDFC Bank Netbanking
   
• Go to the Debit Card section under Cards
   
• Under Request, select Set Card usage or limits
   
• Select the Debit card
   
• Choose Daily Domestic usage or limits, or Daily International usage or limits.
   
• Select ATM Usage, POS Usage, Contactless Usage, or Online Usage as needed
   
• Select the 'On' option.
   
• Set your preferred transaction limits and click Continue.
   
• Review all entered details.
   
• Authenticate and confirm your changes to complete the process.

You can follow these steps to check your HDFC ATM withdrawal limits.

2. Via HDFC Customer Services

If you want to check your HDFC Bank ATM withdrawal limit, you can call the customer care number 1800 2600 / 1800 1600 or for the customers travelling abroad, +9122 61606160

You can visit an HDFC Bank branch to check your Debit Card withdrawal limit using your Debit card details.

These are the steps to check your HDFC ATM withdrawal details.

Bonus Tip: Did you know? You can earn ₹6,000 in cashback each year with the Giga Business Debit card.

How to Increase Your HDFC Bank ATM Withdrawal Limit?

There are several methods you can use to increase or decrease your HDFC Debit Card Limit.

Here are the methods to raise your HDFC ATM withdrawal limit.

1. Net Banking or Mobile App

• Open HDFC NetBanking or MyCards, then sign in with your mobile number and the OTP you receive.
   
• Choose your debit card, then select the card control option.
   
• Set your preferred ATM withdrawal limits for use in India or abroad.
   
• Tap Update Limit, then confirm your changes with the OTP sent to your mobile number.
   

That’s all it takes. With just a few taps, you’ve set up your cash access the way you want. 

2. Visit the HDFC Branch

• You can visit the HDFC Bank Branch.
   
• Request to the personal banker who needs to increase your withdrawal limit.
   
• Then HDFC Bank provides you with a form to fill out and submit along with the necessary documents.
   
• Now wait for the approval of the increased withdrawal limit.

Your request is now in progress. Soon, you’ll have the higher limit you need for your larger financial plans. 

3. Customer Care 

You can contact your bank’s customer care helpline at 18001600 or 18002600, or speak with your personal relationship manager to learn the required protocol.

These are the steps you can follow to increase your debit card limit.

HDFC Bank ATM Transaction Charges & Limits

You can withdraw cash with a Debit card, but if you exceed the limit, you will have to pay some charges.

• Make sure to plan your cash withdrawals. You get five free transactions each month at non-metro ATMs. After that, each cash withdrawal costs ₹23 plus taxes. For non-financial transactions, such as checking your balance, you will be charged ₹8.50 plus taxes once you use up your free limit.

These are the charges if you exceed the HDFC ATM withdrawal limit.

Conclusion

The HDFC Bank ATM withdrawal limit can be increased or decreased through net banking or App. You can visit the branch and contact the HDFC customer care.

You can check your HDFC Debit Card withdrawal limit through HDFC net banking, customer services and visiting a branch.

FAQs

How many free ATM transactions do I get from HDFC per month?

HDFC Bank offers three free transactions at other banks' ATMs and five at HDFC Bank ATMs.

I have a salary account with HDFC. Is my ATM withdrawal limit higher?

Yes, salary account holders enjoy a higher ATM withdrawal limit at HDFC Bank.

What is the HDFC ATM withdrawal limit for international use?

The international ATM withdrawal limit is a sub-limit of your daily limit. For example, if your card has a daily limit of ₹1,00,000, the bank may set an international withdrawal sub-limit of ₹50,000.

My card is declined at the ATM even though I have money. Why?

You have reached your daily transaction and spending limits. Your card is also currently blocked for international and online transactions.
 

Apply for Loans Fast and Hassle-Free

Apply Now

About the Author

LoansJagat Team

‘Simplify Finance for Everyone.’ This is the common goal of our team, as we try to explain any topic with relatable examples. From personal to business finance, managing EMIs to becoming debt-free, we do extensive research on each and every parameter, so you don’t have to. Scroll up and have a look at what 15+ years of experience in the BFSI sector looks like.