Starting April 1, UPI cash withdrawals at HDFC Bank ATMs will be treated the same as cash withdrawals at regular ATMs. After exceeding the free limit, a fee of Rs 23 plus applicable taxes will be charged per transaction.
Free ATM Transaction Limits for HDFC Bank Savings and Salary Accounts
Currently, HDFC Bank offers the following free monthly ATM transaction limits for savings and salary account holders:
Customers can make 5 free transactions at HDFC Bank ATMs. Other bank ATMs (metro cities) offer three free transactions, while other bank ATMs (non-metro cities) offer five free transactions. When these limits are exceeded, appropriate charges are imposed. HDFC Bank also levies specific charges for using ATMs abroad:
For the unmanaged section, there is a charge of Rs. 25 + applicable taxes for each balance inquiry and Rs 125 + applicable taxes for cash withdrawal, plus a cross-currency markup of 3.5%.
For the managed segment, Rs. 110 + applicable taxes on cash withdrawal + 3.5%# cross-currency profit margin and Rs. 15 + applicable taxes on each balance inquiry.
# Only the Infiniti Debit Card is subject to the 0.99% cross-currency spread.
Which HDFC Bank ATM card has unlimited withdrawal limit?
The following accounts have an unlimited limit of free transactions at HDFC Bank ATMs: Current Account: Biz Lite+, Biz Pro+, Biz Ultra+, Biz Elite+, Flexi, Plus, Activ, Ascent, Max Advantage, Max, Professional, Ecomm, Apex, Ultima, Flexi, Merchant Advantage Plus Current Account, Merchant Advantage Current Account and Supreme Current Account, Startup Current Account (formerly known as Smartup Alpha Current Account), SmartupMax, Smartup Growth and Current Account Giga.
What are HDFC Bank charges for ATMs of other banks?
At metro ATMs, account holders can avail 3 free transactions and at non-metro ATMs, 5 free transactions are available.
Beyond this limit, cash withdrawal and non-financial transactions: Rs 23/plus applicable taxes from May 1, 2025.
HDFC Bank charges for use on domestic websites or merchant establishments
Below are HDFC Bank’s charges for use at point-of-sale or domestic merchant websites, according to the HDFC Bank website.
- There are no charges for using the debit card at national websites and merchant establishments.
- However, at select merchants like IRCTC, railway stations, the merchant will apply transaction charges and surcharges as per industry practices.
- The following are the transaction charges applicable when you use an HDFC Bank Debit Card on: Fixed charge of Rs. 30 per ticket + 1.8% of the transaction amount at train stations.
- IRCTC: Transaction charge of 1.8% fuel surcharge on transaction amount would be waived for transactions made at HDFC Bank bank card machines at government petrol stations (HPCL/ IOCL/ BPCL).
