HDFC EasyShop Debit Card: Benefits, Charges, Features & Eligibility

Key takeaways: 

• The HDFC regular Debit Card is a regular debit card in which a contactless chip is enabled. It is designed for daily banking needs. 

• The annual fees of HDFC regular debit cards is ₹150 + taxes. Both residents and NREs can apply for the platinum debit card. 

• The card is furnished with card security so that in case the card gets stolen, you will be protected.

Bonus tip: 

Do you know? The usage charges of  HDFC regular Debit Card for railway stations is  ₹30 per ticket plus 1.8% of the transaction amount. For IRTC, 1.8% of the transaction amount is the usage charge.

HDFC Bank offers a regular debit card called HDFC Regular Debit Card to the customers that is linked to their savings account. This card allows you to spend money from your bank account and also provides you various offers and rewards on your transactions. 

A normal debit card is like a simple wallet that you use to spend money. Whereas, HDFC regular debit card is a wallet which has perks attached to it. The bank gives your benefits and rewards on all your transactions. 

For example, I used the HDFC regular debit card to buy clothes online worth ₹1200 as my daily online spending limit is ₹2,75,000. 

What is the HDFC Regular Debit Card

HDFC Regular Debit Card allows you to spend money directly from your bank account and also provides you various offers and rewards on your transactions. You can easily apply for this platinum debit card of HDFC, if you are an Indian resident or NRE. 

It is important to note that the new issuance of Regular Debit Cards has been stopped. The charges in future will be applicable as per your eligibility and new debit card variant.

HDFC Regular Debit Card charges 

Refer the below table to know the HDFC regular debit card charges: 

These charges are applicable on the usage of HDFC Regular Debit Card.

For example, I wanted to reissue my HDFC Debit Card for which the bank charged ₹200+ applicable taxes as a reissuance fee of the card. 

HDFC Regular Debit Card Daily Withdrawal Limits 

HDFC bank provides a daily domestic shopping limit of ₹2,75,000 and daily domestic ATM withdrawal limit of ₹25,000. The HDFC Regular debit cards facilitate fast and secured contactless payments at retail outlets. 

If you are a HDFC Regular debit card holder, you can get global support with VISA and MasterCard services anywhere in the world.

For example, I used my HDFC regular debit card to buy some electronic devices of ₹2,00,000. I was easily able to pay the amount as my card limit for daily domestic shopping is ₹2,75,000.  

HDFC Business Debit Card Daily Withdrawal Limits

HDFC bank provides a daily domestic shopping limit on business debit cards of ₹5,00,000 and daily domestic ATM withdrawal limit of ₹1,00,000. Cash withdrawal facility is also available across merchant establishments of which the maximum limit per day is ₹2000 and ₹10,000 per month. 

Benefits of using the HDFC Regular Debit Card

Below table shows some of the benefits of using the HDFC regular debit card: 

You will get mobile phone alerts with every transaction on your card. By using the HDFC regular debit card, you can avail above benefits. 

Conclusion: 

Overall, HDFC Regular Debit Card is like any regular debit card. There are rewards and benefits when you do any transaction. By giving the annual fees of ₹150 + applicable taxes, you can avail the access to banking benefits, transaction benefits like high limits of daily ATM withdrawals. For those who use debit cards regularly for grocery shopping or phone utilities, this HDFC regular debit card is very useful. Both the Indian residents and NRE are eligible to get access to this debit card. In short, if you are looking for a debit card which is useful for your daily needs but provides you benefits and rewards, HDFC regular debit card is the best to use. 

FAQs: 

Is the HDFC regular debit card free?

No, the HDFC regular debit card is not free. The joining fee is ₹150 + applicable taxes. 

Can I downgrade my HDFC platinum debit card to a regular debit card? 

Yes, HDFC bank allows switching an existing debit card to another variant subject to bank policies and eligibility.

What are the benefits of using HDFC regular debit cards? 

There are rewards and benefits when you do any transaction. By giving the annual fees of ₹150 + applicable taxes, you can avail the access to banking benefits, transaction benefits like high limits of daily ATM withdrawals.

Which debit card is best for airport lounge access? 

You can use HDFC Easyshop Platinum debit card to access the airport lounge. HDFC’s EasyShop Platinum Debit Card offers 2 complimentary domestic airport lounge visits per calendar quarter

Will I get 5% cashback on enabling autopay for credit card bill with HDFC bill pay using Easyshop platinum debit card? 

Yes,  you will get 5% cashback on enabling autopay for credit card bill with HDFC bill pay using Easyshop platinum debit card