⁣MyCard HDFC

MyCard HDFC is a progressive web application that provides all-around access to HDFC's most in-demand banking services, including HDFC Bank Credit Card, HDFC Bank Debit Card & Debit Card EMIs, Consumer Durable Loans, and FASTag Account.

It is important to consider numerous HDFC debit card types and their benefits, including options like the HDFC EasyShop Platinum, MoneyBack Debit Card, etc., which are highly versatile across various platforms, offering added features like fuel surcharge waivers, cashback on select categories, airport lounge access, and accidental insurance coverage.

In addition to the features, however, it's important to understand the HDFC debit card charges, including issuance fees, annual maintenance costs, ATM withdrawal charges, card replacement fees, etc., when choosing the best card suited to your usage.

Read on to learn more about it, so you can make an informed decision based on your needs.

Table of Contents:

• ⇾ Top 4 HDFC Debit Cards and Charges
• ⇾ Benefits of Different Types of HDFC Debit Cards
• ⇾ HDFC EasyShop Platinum Debit Card
• ⇾ HDFC EasyShop Imperia Debit Card
• ⇾ HDFC EasyShop Woman’s Advantage Debit Card
• ⇾ HDFC MoneyBack Debit Card
• ⇾ HDFC Millennia Debit Card
• ⇾ Best Debit Card of HDFC Bank
• ⇾ How to Set Up and Use HDFC Mobile Banking App
• ⇾ Steps to Get Started:
• ⇾ EMI Eligible HDFC Debit Card for Online Shopping
• ⇾ HDFC Debit Card EMI Eligibility:
• ⇾ Steps to Check EMI Eligibility for HDFC Debit Card
• ⇾ HDFC Debit Card EMI for Online Shopping:
• ⇾ Safety while Using Virtual Cards
• ⇾ Frequently Asked Questions

Top 4 HDFC Debit Cards and Charges

Although HDFC offers a lot of debit cards with the best features, here are some of the popular HDFC Bank debit cards, along with their annual fees and cash withdrawal limits:

Note: Charges may vary by relationship, type of card, or other financial factors and are subject to GST. Always check updated rates on the official platform for accurate data.

Benefits of Different Types of HDFC Debit Cards

Understanding HDFC debit card types and benefits helps users choose between cards based on the best rewards for them, such as cashback rewards, fuel surcharge waivers, or airport lounge access.

Here is a comprehensive list of the most popular cards:

1. HDFC EasyShop Platinum Debit Card

It is a versatile debit card, designed for everyday use with high withdrawal limits, and provides basic lounge access.

2. HDFC EasyShop Imperia Debit Card

This is an exclusive high-limit card for Imperia Banking customers, offering premium benefits and priority access.

3. HDFC EasyShop Woman’s Advantage Debit Card

This debit card is tailored for women and provides shopping benefits, fuel waivers, and cashback on bill payments.

4. HDFC MoneyBack Debit Card

This is a reward-focused card that is ideal for customers who frequently spend online or offline and want cashback benefits.

5. HDFC Millennia Debit Card

The Millenia Debit Card is built for the digital-first generation. This card offers high cashback on leading apps and strong daily limits.

Best Debit Card of HDFC Bank

Choosing the best HDFC debit card depends on how you spend and what features you value most. With multiple options under the My Card HDFC program, users are often confused about which HDFC debit card is best for shopping, travel, or getting premium perks.

It all depends on the person and their lifestyle. The description below might help you in deciding:

• For frequent online shoppers

The HDFC Millennia Debit Card offers up to 5% cashback on major platforms like Amazon, Flipkart, and Swiggy.

• For travel and lounge access

The HDFC Platinum Debit Card provides complimentary domestic airport lounge access and high withdrawal limits.

• For salaried account holders

The HDFC MoneyBack Debit Card includes cashback on everyday spends and supports EMI on purchases.

• For premium banking customers

The HDFC Imperia or Regalia Debit Card (issued selectively) includes higher spend limits, no annual fees, and concierge-like privileges.

How to Set Up and Use HDFC Mobile Banking App

The HDFC Mobile Banking App gives you full control over your debit card settings and day-to-day banking. Whether you want to activate your card, set usage limits, or manage international transactions, the app simplifies it all in a few steps.

With this app, you can:

• Activate or block your HDFC debit card
• Set daily transaction or withdrawal limits
• Enable or disable international usage
• Access HDFC debit card PIN generation and reset features
• View transactions and manage linked savings accounts

Steps to Get Started:

• Download the official HDFC Bank Mobile Banking App from the Google Play Store or the Apple App Store.
• You will be asked to enter your mobile number to check if the account exists.
• Register using your customer ID, account details, and OTP sent to your registered mobile number.
• Set your MPIN to log in securely to your mobile banking dashboard.
• Once logged in, go to Cards > Debit Card > Manage Card to access all card controls.
• For HDFC debit card PIN generation, select “Set/Reset PIN” and authenticate using OTP or your NetBanking credentials.

Using mobile banking improves convenience and also helps you monitor transactions and secure your card settings anytime, anywhere.

EMI Eligible HDFC Debit Card for Online Shopping

HDFC Bank offers EasyEMI on select debit cards, allowing customers to convert purchases into EMIs without documentation. This facility is especially useful for large online purchases and is available at select merchants like Flipkart and Amazon.

HDFC Debit Card EMI Eligibility:

• You must have a maintained savings account balance and a steady transaction history with HDFC Bank.
• Your age should be 21 years or older.
• Your card must be enabled for EasyEMI, based on internal eligibility set by the bank.
• Only certain debit card variants qualify, including cards like MoneyBack, Platinum, and Millennia.

Steps to Check EMI Eligibility for HDFC Debit Card

Follow these simple steps using the HDFC Mobile Banking App:

Step 1: Open the HDFC Mobile Banking App and log in using your customer ID and MPIN.

Step 2: Go to the Cards section.

Step 3: Navigate to Debit Card and look under the Offers or EasyEMI section to check your eligibility status.

HDFC Debit Card EMI for Online Shopping:

The EMI option is available on supported e-commerce websites like Amazon and Flipkart. Select EasyEMI during checkout with your eligible debit card.

Here is a list of eligible and ineligible cards to avoid confusion:

Safety while Using Virtual Cards

When it comes to HDFC debit card safety, the bank provides several tools to help users secure their transactions, especially while shopping online. One of the most effective options is using a virtual debit card from HDFC, which masks your physical card details during payments.

Here are key safety features and practices:

• Instantly block or unblock your card using the HDFC Mobile Banking App
• Set daily spending limits to reduce misuse risk
• Disable international or online transactions when not in use
• Use virtual cards safely for online purchases—these generate temporary card details for one-time use
• Always enable transaction alerts via SMS and email
• Never share your PIN, OTP, or card number with anyone, even if the request appears official

Using a virtual debit card in HDFC not only adds a layer of security but also helps limit exposure during high-risk or one-time transactions.