ATM Charges and Transaction Charges - HDFC Bank

​Debit cards are your best friends in this cashless world. Free yourself from carrying thick wads of cash wherever you go. You can simply withdraw cash from your account as and when you require it with HDFC Bank debit cards. HDFC Bank has an array of debit cards that can be taken according to your daily withdrawal needs. Let us study the HDFC ATM and transaction charges in detail.

Withdrawal at HDFC Bank ATM

  • 5 free transactions per month are allowed.
  • For any financial transaction beyond the transaction limit, Rs. 20 + GST is charged, and for any non-financial transaction, it is Rs. 8.5 + GST.

Withdrawal at Other ATMs

  • 3 free transactions per month in metro cities
  • 5 free transactions per month in non-metro cities.
  • For any financial transaction beyond the transaction limit, Rs. 20 + GST is charged, and for any non-financial transaction, it is Rs. 8.5 + GST.

International Cash Withdrawal Fees

Rs.125 + applicable tax is charged for international cash withdrawal.

International Balance Enquiry fees

Rs. 25 + applicable tax is charged for International Balance Enquiry.

Transaction Decline Charges

A charge of  ?25 + applicable taxes must be borne by the customer if there is a transaction decline due to insufficient balance.

Surcharge on HDFC Debit Cards

  • There are no surcharges for using the HDFC Debit Card at any domestic merchant locations and websites.
  • A surcharge of Rs. 30 per ticket + 1.8% of the transaction amount is charged on Railway Tickets purchased with HDFC Bank Debit Card.
  • Fuel surcharges are not applicable for the transactions done on HDFC.
  • Bank swipe machines at any government petrol outlets (HPCL/ IOCL/ BPCL).
Note:  Financial transactions are the ones that include cash withdrawal  
and non-financial transactions include activities such as balance inquiry, PIN change, and mini statement.

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