How to apply for an HDFC debit card?
Being a popular bank among the leading private-sector banks in India, HDFC provides a wide range of banking facilities such as saving accounts, current accounts, fixed deposits, recurring deposits, credit and debit cards, different types of loans, etc. This article will attempt to provide you with a thorough idea of different types of HDFC debit card options and the process to get one. First let’s see what a debit cards is.
Debit card
In simple language, a debit card is like a plastic money card that’s connected to your bank account. It typically has your name, a card number usually 16 digits, an expiration date, and a three-digit security code on the back. It might also have the logo of the issuing bank or payment network like Visa or MasterCard. This information is used to make purchases and transactions.
You can use a debit card to make purchases or withdraw money form the ATM. When you buy things from a store, you will be asked to swipe your debit card and the money is deducted directly from your account. It’s a convenient way to pay without carrying cash around. Instead of using cash, you can give the cashier your debit card or enter its information on the website.
To withdraw money using a debit card, visit a nearby ATM and insert your card into the card slot. Enter you ATM pin and select the option, ‘balance withdrawal’. Then, enter the amount and choose whether your account is saving or current. And, you can collect the cash from the ATM.
Application for an HDFC debit card
- Assuming that you already have an HDFC account, you can visit an HDFC Bank branch or apply online through their official website.
- HDFC Bank offers various types of debit cards with different features and benefits. You can choose the one depending on your needs and convenience.
- Fill out the debit card application form. You may be able to do this online through your HDFC Bank account or by visiting a branch. The form will ask for personal and account-related information.
- You have to provide certain documents for identity and address verification. Commonly accepted documents include Aadhaar card, PAN card, passport, utility bills, etc.
- You will also need to submit a passport-sized photograph and your signature for the debit card.
- Once you’ve filled out the application form and provided the necessary documents, submit the application either online or at the branch.
- The bank will review your application and the documents you submit. Only then, your application will be approved.
- After your application is approved, your debit card will be sent to the address you provided.
To visit the bank, you need to know the HDFC bank timings so that you don’t waste your time by visiting at the wrong hour. Following is the general working hours of HDFC Bank.
Hdfc Bank timings
Generally, Hdfc bank opens at 9:30 am and closes at 3 pm on weekdays that is from Monday to Saturday. On the second and fourth Saturdays, the bank will be closed and the first, third and fifth Saturdays are open during normal working hours. Sundays and other bank holidays are closed. Hdfc lunch hour is from 1 pm to 2 pm. However, this timing may vary from one branch to another depending on its region.
Different types of HDFC debit cards
Visa Debit Card:
Visa debit card is one of the most popular HDFC debit cards. It offers a comprehensive range of features, providing users with convenient and secure transactions. This card is accepted worldwide and it enables seamless payments at millions of merchant outlets and cash withdrawals from ATMs globally. Equipped with chip technology, they prioritise security, and contactless payment options expedite transactions. Online shopping and bill payments are effortless. Some cards come with rewarding loyalty programs, allowing users to earn points for benefits. Insurance coverage, personalised designs, and the possibility of converting large purchases into EMIs further enhance the utility of these cards.
MasterCard Debit Card:
HDFC’s MasterCard debit cards offer global acceptance, security features, rewards, insurance, EMI options, and even lounge access for premium tiers.
Maestro Debit Card:
Primarily for basic banking services in India, like ATM cash withdrawals, balance inquiries, and domestic purchases.
RuPay Debit Card:
Tailored for India, RuPay debit cards offer local transactions, ATM access, online shopping, and are cost-effective for a wider population.
Contactless Debit Card:
Known as “tap-and-go,” this card offers swift, secure payments with a simple tap, widely accepted at various places, including retail stores and public transport.
Times Points Debit Card:
In partnership with Times Points loyalty program, HDFC offers this card that lets you earn and redeem TimesPoints for discounts on various Times Group brands and partner outlets. Alongside these benefits, it functions as a regular debit card for banking needs, with exclusive offers from TimesPoints partners.
HDFC Bank Rewards Debit Card:
This card focuses on earning and using reward points. You can accumulate points on transactions, including shopping and bill payments, and redeem them for gifts, discounts, flights, hotels, and more. Special transactions might earn extra points, and the card offers exclusive merchant deals.
RuPay Premium Debit Card:
These cards enhance RuPay features. They come with premium services like dining and shopping discounts, airport lounge access, concierge services, insurance coverage, higher transaction limits, and unique card designs. Ideal for a refined lifestyle and frequent travellers.
What happens when your Hdfc debit card is lost?
- If you happen to lose your HDFC debit card, the first thing you need to do it block the card. Contact HDFC Bank’s customer service or their 24×7 helpline to report the loss and request them to block your debit card. This will prevent unauthorised transactions on your account.
- Check your account statement for any unauthorised transactions. If you find any, inform the bank about them while reporting the loss.
- If you suspect anything or if the card was stolen, you can file a police report. This can be useful in case of any fraudulent transactions.
- Request the bank to issue a new debit card.
- If you had set up any automatic payments or bill payments linked to your old card, update those with the new card details to avoid disruptions.
- If your debit card was linked to any online shopping accounts, subscription services, or mobile wallets, update the card information in those accounts too.
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