HDFC International debit cards offer seamless foreign transactions that cater to both personal and business needs. Individuals can make international purchases from international merchants and withdraw cash at competitive rates. However, they incur fees for foreign transactions.
To use HDFC debit cards internationally, customers must enable international transactions. This can be done through various methods, including Net Banking and Mobile Banking. Let’s explore the different types of HDFC international debit cards, features, benefits, charges, how to enable international transactions and more details.
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HDFC International Debit Cards
HDFC Bank offers a range of international debit cards. You can make quick and hassle-free payments when shopping abroad. These cards also allow you to earn rewards and withdraw cash from ATMs internationally. HDFC international debit cards come with robust security features such as:
- Card accessibility at millions of merchant outlets and ATMs worldwide.
- Higher daily transaction limits of up to INR 5 lakhs for shopping.
- Ability to turn the card on/off for international transactions.
- Encrypted technology to protect against fraud.
- Supporting contactless payments for faster and more convenient transactions.
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-
HDFC GIGA Business Debit Card
Eligibility
- Designed for freelancers, gig workers, and small business owners.
- Requires a GIGA Savings Account with HDFC Bank.
Features
- Global Acceptance: This can be used by millions of merchants and ATMs worldwide.
- Enhanced Security: Includes encrypted card technology and the ability to enable/disable international transactions via NetBanking or Mobile Banking.
- High Transaction Limits: Suitable for larger business expenses.
- Rewards & Cashback: Earn cashback points on specific categories like education, SaaS, restaurants, and air travel.
- Contactless Payments: Convenient for quick transactions.
HDFC GIGA International Debit Card Charges
- Annual Fee: INR 250 + applicable taxes.
- Replacement Fee: INR 200 + applicable taxes.
- Foreign Currency Markup Fee: 1% + applicable taxes.
HDFC Millennia Debit Card
Eligibility
Available to customers with a regular savings account at HDFC Bank.
Features
- International Usage: Supports transactions abroad after activation via NetBanking or Mobile Banking.
- Cashback Offers:
– 5% cashback on online shopping (via PayZapp & SmartBuy).
– 2.5% cash back on all other online spends.
– 1% cash back on offline spends and wallet reloads. - Lounge Access: Four complimentary domestic lounge visits annually (subject to spending criteria).
- Daily Limits: INR 1 lakh for ATM withdrawals and INR 5 lakhs for shopping.
HDFC Millenia International Debit Card Charges
- Annual Fee: INR 500 + applicable taxes.
- Replacement Fee: INR 200 + applicable taxes.
- Foreign Currency Markup Fee: 3.5% + applicable taxes.
HDFC Titanium Royale
Eligibility
Available to customers with a Titanium Royale account or upgraded savings account.
Features
- International Transactions: Enabled for global usage at ATMs and PoS terminals after activation via NetBanking or Mobile Banking.
- Cashback Rewards:
– INR 1 cashback (up to INR 750/month) on every INR 100 spent on telecom, utilities, groceries, restaurants, apparel, and entertainment. - Daily Limits: Higher limits for ATM withdrawals and shopping (specific limits depend on account type).
HDFC Titanium Royale Debit Card Charges
- Annual Fee: INR 750 + applicable taxes.
- Replacement Fee: INR 200 + applicable taxes.
- Foreign Currency Markup Fee: Typically 3.5% + applicable taxes.
HDFC EasyShop Titanium Debit Card
Eligibility
Open to customers with an EasyShop Titanium account or upgraded savings account.
Features
- Global Acceptance: This can be used internationally after enabling the feature through NetBanking or Mobile Banking.
- Rewards Program: Cashback and reward points on various categories of spending.
- Daily Limits: Up to INR 50,000 for ATM withdrawals and INR 3.5 lakhs for retail/online shopping.
HDFC EasyShop Titanium Debit Card
- Annual Fee: INR 500 + applicable taxes.
- Replacement Fee: INR 200 + applicable taxes.
- Foreign Currency Markup Fee: Standard charges apply (usually 3.5% + applicable taxes).
HDFC Debit Card with Lounge Access
HDFC Bank offers several debit cards that provide airport lounge access, enhancing the travel experience for cardholders. Lounge access is available only at departure terminals.
Users can check their eligibility for lounge access based on their spending before travel. 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 lounges access 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 are also 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 enable international transactions on HDFC debit cards, use Net Banking or Mobile Banking to toggle the ‘International Usage’ option to ON.
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 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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