Hdfc Bank Easyshop Gold Debit Card - Benefits, Charges and Eligibility
Hdfc Bank Easyshop Gold Debit Card Overview
With HDFC Bank EasyShop Gold Debit Card, you can access privileges that match your lifestyle.
Hdfc Bank Easyshop Gold Debit Card Features
- Daily Domestic ATM withdrawal limits: Rs. 50,000
- Daily Domestic Shopping limits: Rs. 2.75 lakhs
- Get up to 1% Cashback (upto Rs. 750 / month) on shopping at select merchant categories
- Free Insurance cover of Rs. 5 lakhs
- Card security in case your Debit Card gets misplaced or stolen
Hdfc Bank Easyshop Gold Debit Card Eligibility
Both Residents and NREs can apply. Resident Indians should hold any one account with HDFC Bank among Savings Account, Current Account, SuperSaver Account, Loan against Shares Account (LAS), Salary Account. Existing eligible customers can also upgrade the accounts to apply for this card.Hdfc Bank Easyshop Gold Debit Card Fees & Charges
- Annual Fee: Rs. 750 + applicable taxes
- Add-on Card Annual Fee: Rs. 750 + applicable taxes
- PoS/Ecom Transactions: Nil
- Decline charges for insufficient balances: Rs. 25 + applicable taxes
- Cross-currency mark-up charges on foreign currency transactions: 3.5% + applicable taxes
- Duplicate PIN: Rs 50 plus GST
- Mark Up Charges for each POSP transaction at Railway Bookings: Transaction charge of 1.8% of the transaction amount
Hdfc Bank Easyshop Gold Debit Card Benefits
- Get 1 CashBack point on every Rs. 100 spent on PayZapp, SmartBuy, Telecom, Utilities
- 1 CashBack point on every Rs. 200 spent on Groceries & Supermarket, Restaurant & Apparels and Entertainment
- Maximum cap of Rs. 750 per card per month
- Personal Accident Death Cover by Air / Road/Rail - Base Sum assured Rs. 5 Lakh
- Now get additional International Air Coverage of flat Rs.25 lakh on purchase of air ticket using your Debit Card
- Fire and Burglary for the items purchased under Debit Card (up to 90 days) - Sum assured Rs. 2,00,000
- Loss of checked baggage - Sum assured Rs. 2,00,000
- You can recharge and pay bills using your Debit Card through your mobile without an internet connection
- Zero Liability: You will not have any liability to any fraudulent Point of Sale transactions on the debit card, which take place upto 90 days prior to reporting the card loss
- Fuel Surcharge would not be applicable for the transactions done on HDFC Bank swipe machines at government petrol outlets (HPCL/ IOCL/ BPCL)
- Chip+PIN card activated for International & Domestic Usage
- Online Shopping : Pay Bills or Shop online using your HDFC Bank Debit Card by Verified by Visa/ MasterCard SecureCode service
What is EMV-Chip Based Debit Card?
EMV stands for Europay MasterCard and Visa, who developed this technology. EMV-chip based debit cards are the debit cards which have embedded microprocessor chip that stores and protects cardholders' information/ data. It uses enhanced security features to protect the important date of the card holders and discourages card's unauthorized usage.
EMV-chip based debit card generates fresh user data every time the user transacts. Therefore, it is impossible for hackers/ fraudsters to steal the information or copy the original data from any card. Further, EMV technology uses your debit card as well as PIN to complete any transaction.
The Reserve Bank of India (RBI) has asked all banks in the country to replace magnetic-strip debit/ credit cards with EMV-chip based cards by 31 December 2018 as magnetic cards are quite vulnerable to skimming. Banks have already replaced the existing magnetic strip debit/ credit cards with latest EMV chip cards. Banks will provide it free of cost.