From April 1 onwards, UPI cash withdrawals at HDFC Bank ATMs will be treated the same as regular ATM cash withdrawals. After exceeding the free limit, a fee of Rs 23 + applicable taxes per transaction will be charged.
Free ATM transaction limits for HDFC Bank savings, salary accounts
HDFC Bank currently offers the following monthly free 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, relevant charges are imposed.HDFC Bank also applies specific charges for ATM usage abroad:
For the non-managed section, there is a charge of Rs. 25 + applicable taxes every balance enquiry and Rs 125 + applicable taxes per cash withdrawal, plus a 3.5%# cross-currency markup.
For the managed segment, Rs. 110 + applicable taxes per cash withdrawal + 3.5%# cross-currency markup, and Rs. 15 + applicable taxes each balance inquiry.
# Only the Infiniti Debit Card is subject to the 0.99% preferential cross-currency markup.
Which HDFC Bank ATM card has an unlimited withdrawal limit?
Below accounts have an unlimited free transaction limit 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 & Supreme Current Account, Startup Current Account (earlier known as Smartup Alpha Current Account), SmartupMax, Smartup Growth and Giga Current Account.
What are the HDFC Bank charges for other bank ATMs?
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 transaction – Rs 23/- plus applicable taxes from May 1, 2025.
HDFC Bank charges on usage at domestic merchant outlets or websites
Below are the HDFC Bank charges on usage at domestic merchant outlets or websites, as per the HDFC Bank website
- There are no charges for using the debit card at domestic merchant locations and websites.
- However, at select merchants like IRCTC, railway stations, transaction charges, surcharges as per industry practices will be applicable by the merchant.
- The following are the transaction charges applicable when you use an HDFC Bank debit card at: Flat charge of Rs. 30 per ticket + 1.8% of the transaction amount at railway stations.
- IRCTC: Transaction charge of 1.8% of the transaction amount fuel surcharge would not be applicable for the transactions done on HDFC Bank swipe machines at government petrol outlets (HPCL/ IOCL/ BPCL).
