HDFC International debit cards provide a seamless way to make payments and withdraw cash while travelling or shopping online with international merchants. These cards combine convenience, security, and rewards, making them an ideal choice for global transactions. Whether you’re booking flights, shopping overseas, or withdrawing cash abroad, HDFC International Debit Cards offer a reliable solution with competitive features.
This blog explores all about HDFC International debit cards, their features, benefits, charges, and activation process of these debit cards, helping you choose the right card for your needs.
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Why Choose HDFC International Debit Cards?
HDFC International Debit Cards are designed to simplify global transactions with enhanced security and flexibility. From contactless payments to lounge access, these cards cater to diverse needs, whether you’re a frequent traveller or an online shopper.
- Global Acceptance: Use your card at millions of merchants and ATMs worldwide.
- High Transaction Limits: Enjoy daily limits of up to INR 5 lakhs for shopping.
- Enhanced Security: Features like encrypted technology and on/off toggles protect against fraud.
- Rewards and Cashback: Earn rewards on categories like travel, dining, and online purchases.
- Contactless Payments: Make quick and secure transactions with tap-and-pay functionality.
List of HDFC International Debit Cards
HDFC Bank offers a variety of international debit cards with features designed to cater to diverse customer needs. These cards offer features like cashback rewards, lounge access, and enhanced security.
Users should choose a card based on their specific needs, such as spending patterns or travel frequency. Here’s the list of HDFC international debit cards-
Card Name | Eligibility | Key Features |
---|---|---|
GIGA Business Debit Card | GIGA Savings Account holders, freelancers, and small business owners | Global acceptance, 1% foreign currency markup fee, 4 complimentary lounge visits annually |
Millennia Debit Card | Regular savings account holders | 5% cashback on online spends via PayZapp/SmartBuy, 4 lounge visits annually |
Titanium Royale Debit Card | Titanium Royale or upgraded savings account | Cashback up to INR 750/month, high ATM and shopping limits |
EasyShop Titanium Debit Card | EasyShop Titanium account holders | Reward points, up to INR 3.5 lakhs shopping limit |
HDFC GIGA Business Debit Card
The HDFC GIGA Business Debit Card is perfect for freelancers, gig workers, and small business owners. It offers robust features for managing international expenses with ease.
- Global Reach: Accepted at millions of merchants and ATMs worldwide.
- Low Markup Fee: Only 1% + taxes on foreign currency transactions.
- Cashback Benefits: Earn points on education, SaaS, restaurants, and air travel.
- Lounge Access: 4 complimentary visits annually (1 per quarter, subject to INR 5,000 spend).
Charges:
- Annual Fee: INR 250 + taxes
- Replacement Fee: INR 200 + taxes
- Foreign Currency Markup Fee: 1% + taxes
HDFC Millennia Debit Card
The HDFC Millennia Debit Card is designed for tech-savvy users who frequently shop online or travel. It combines cashback rewards with lounge access for a premium experience.
- Cashback Offers:
- 5% on online spends via PayZapp/SmartBuy.
- 2.5% on other online purchases.
- 1% on offline spends and wallet reloads.
- Lounge Access: 4 complimentary domestic lounge visits annually (1 per quarter).
- Daily Limits: INR 1 lakh for ATM withdrawals, INR 5 lakhs for shopping.
Charges:
- Annual Fee: INR 500 + taxes
- Replacement Fee: INR 200 + taxes
- Foreign Currency Markup Fee: 3.5% + taxes
HDFC Titanium Royale Debit Card
The HDFC Titanium Royale Debit Card offers premium benefits for those with a Titanium Royale or upgraded savings account. It’s ideal for users seeking rewards and higher limits.
- Cashback Rewards: INR 1 cashback (up to INR 750/month) per INR 100 spent on telecom, utilities, groceries, restaurants, apparel, and entertainment.
- High Limits: Generous ATM and shopping limits based on account type.
- Global Usage: Enabled for international transactions after activation.
Charges:
- Annual Fee: INR 750 + taxes
- Replacement Fee: INR 200 + taxes
- Foreign Currency Markup Fee: 3.5% + taxes
HDFC EasyShop Titanium Debit Card
The HDFC EasyShop Titanium Debit Card is a versatile option for users with an EasyShop Titanium account. It offers rewards and reasonable transaction limits for global use.
- Rewards Program: Earn cashback and reward points on various spending categories.
- Daily Limits: Up to INR 50,000 for ATM withdrawals, INR 3.5 lakhs for shopping.
- Global Acceptance: Usable internationally after enabling the feature.
Charges:
- Annual Fee: INR 500 + taxes
- Replacement Fee: INR 200 + taxes
- Foreign Currency Markup Fee: 3.5% + taxes
HDFC Debit Card with Lounge Access
HDFC Bank offers a range of international debit cards designed to elevate your travel experience, one of the standout features being complimentary airport lounge access. This benefit is available exclusively at departure terminals across select domestic and international airports.
Access to airport lounges through HDFC International Debit Cards is typically based on your eligible spending. Before travelling, cardholders can verify their lounge access eligibility to ensure a seamless experience. Here are the details of HDFC Bank debit cards offering airport lounge access-
HDFC Debit Cards | Details |
GIGA Business Debit Card | 4 Complimentary Lounge Access Annually, based on spends of INR 5000 (1 per Calendar Quarter) |
Millenia Debit Card | 4 complimentary lounge accesses annually (once per calendar quarter) at domestic airports across India |
Infiniti Debit Card | 16 complimentary visits annually, limited to 4 per quarter. |
Imperia Platinum Debit Card | 2 complimentary lounge access per Calendar Quarter |
Preferred Platinum Debit Card | 2 complimentary lounge access per Calendar Quarter |
Classic Platinum Debit Card | 2 complimentary lounge access per Calendar Quarter |
Platinum Debit card | 2 complimentary lounge access per Calendar Quarter |
Vishesh Debit Card | 2 complimentary lounge access per Calendar Quarter |
Times Points | 1 complimentary lounge access per Calendar Quarter |
Business Debit Card | 2 complimentary lounge access per Calendar Quarter |
Rupay Platinum Debit Card | – 1 lounge per quarter per card on the empanelled domestic airport/ railway lounges – 2 lounges per annum on the empanelled international airport lounges |
Rupay NRO Debit Card | – 1 lounge per quarter per card on the empanelled domestic airport/ railway lounges |
Also Read: Check this blog to learn how to check HDFC Forex Card balance for simplified international travel and financial transactions.
HDFC International Debit Card Charges
For foreign usage, HDFC International debit card charges include annual fees, foreign transaction fees, currency conversion fees, and others. These charges vary based on the type of card and services used during international transactions. Here’s an overview of the key charges-
Cross-Currency Mark-up Fees
- A 3.5% fee is charged on foreign currency transactions (plus taxes).
- If you have an Infiniti Debit Card, this fee is reduced to 0.99%.
ATM Withdrawal Fees
- Non-Managed Segment: INR 125 + taxes per withdrawal, INR 25 + taxes for balance enquiry.
- Managed Segment: INR 110 + taxes per withdrawal, INR 15 + taxes for balance enquiry.
Decline Charges
If a transaction is declined due to insufficient funds, a fee of INR 25 + taxes is charged per failed attempt.
Currency Conversion Fees
A currency conversion fee is charged when transactions are made in a currency other than your card’s default currency.
Dynamic Currency Conversion (DCC) Fees
Starting February 2025, a 1% fee + taxes will apply if foreign transactions are settled in INR through the DCC option.
Also Read: Interested in studying abroad but a bit worried about the finances? Escalate your career to the next level with HDFC Bank personal loans for education.
How to Enable HDFC International Debit Card Transactions?
To enable international transactions on your HDFC debit card, you can follow a simple process. It can be done via Net Banking, Mobile Banking, visiting the nearest bank branch, or calling customer care.
The process will allow you to make purchases and withdraw cash while travelling abroad or shopping online from international merchants. This feature is especially beneficial for frequent travellers or those who shop with overseas retailers.
Net Banking
- Log in to your HDFC Net Banking account.
- Navigate to the ‘Cards’ tab and select ‘Debit Cards’.
- Under the ‘Request’ section, click on ‘Set Card Controls/Usage’.
- Choose the debit card you want to activate and click ‘Customise’.
- Locate the ‘International Usage Limits’ option and toggle the switch to ‘ON’ to enable the feature.
- Enter your card details and click ‘Confirm’.
- Optionally, you can adjust your international transaction limit by selecting ‘Modify International Limit’.
Mobile Banking
- Open the HDFC mobile banking app and log in with your credentials.
- Tap on the ‘Menu’ icon in the top-right corner.
- Select the ‘Pay’ option from the menu.
- Go to ‘Cards’ and select ‘Debit Cards’.
- Choose the specific debit card you wish to enable for international transactions.
- Click ‘Show More’, then navigate to the ‘Limits’ section and select ‘Customise’.
- Under the ‘International’ section, toggle the switch to ‘ON’ to activate the feature.
- Verify your debit card by entering the required details.
Customer Care
Customers can call HDFC Bank’s customer care at 1800 1600 or 1800 2600 for assistance.
Branch Visit
Alternatively, customers can visit their nearest HDFC Bank branch to activate international usage.
FAQs
Yes, HDFC debit cards can be used internationally, allowing customers to make purchases and withdraw cash from ATMs abroad. However, international transactions must be enabled.
The best HDFC international debit cards include:
– HDFC GIGA Business Debit Card
– HDFC Millennia Debit Card
– HDFC Titanium Royale Debit Card
– HDFC EasyShop Titanium Debit Card
HDFC International debit cards are globally accepted by millions of merchants and ATMs. They come with higher daily transaction limits (up to INR 5 lakhs for shopping). Users can earn cashback rewards on various spending categories. They also have enhanced security with encrypted technology.
HDFC international debit cards offer seamless foreign transactions for personal and business needs. They provide access to international ATMs and merchant outlets and are designed with robust security features to protect against fraud.
Charges typically include:
– Foreign Currency Markup Fee: 3.5% (1% for GIGA Business Debit Card).
– ATM Withdrawal Fees: Varies based on the managed or non-managed segment (around INR 110 to INR 125 per withdrawal).
– Currency Conversion Fees: These may apply when transactions are made in a different currency.
Several HDFC debit cards offer lounge access. One of the best is the HDFC Infiniti Debit Card, which offers 16 complimentary visits annually. Alternatively, HDFC GIGA Business Debit Card and HDFC Millennia Debit Card offer 4 complimentary lounge accesses annually.
The daily limit for HDFC international debit cards can vary, but generally includes:
– Up to INR 1 lakh for ATM withdrawals.
– Up to INR 5 lakhs for retail/online shopping.
To activate an HDFC International Debit Card, ensure it’s linked to a savings account and enable international usage via Net Banking or Mobile Banking.
To enable international transactions on HDFC debit cards, use Net Banking or Mobile Banking to toggle the ‘International Usage’ option to ON.
To learn more about education loans, the best bank accounts for students, forex, banking experience for global students, or international money transfers, reach out to our experts at 1800572126 to help ease your experience with studying abroad.
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