HDFC EasyShop Womans Advantage Debit Card as the name depicts is exclusively for women customers. You will get some cool benefits for a very low annual fee.
|Eligibility||Account holders in HDFC bank, exclusively for women|
|Reward type||CashBack Points|
Card features summary
- Earn CashBack points on spends on this card
- Extensive insurance cover
- 50% discount on locker fee for first year
- Fuel surcharge waiver
- Zero liability on fraudulent point of sale transactions
Issuance and annual fee *
|Issuance fee||Rs. 200|
|Annual fee||Rs. 200 from 2nd year onwards|
|Re- issuance fee||Rs. 200|
*exclusive of taxes
Withdrawal limit & transaction limit
Daily Domestic ATM withdrawal limits: Rs. 25,000
Daily Domestic Shopping limits: Rs. 1.75 lacs
There is also a cool feature called Dynamic limit for HDFC EasyShop Womans Advantage Debit Card.
Dynamic Limit enables you to use your Debit Card over and above your Daily Shopping Limit on select merchant categories. The categories on which dynamic limit is applicable are Airlines, Education, Electronics, Medical, Travel, Tax Payments and Insurance.
We know that default card limit is 1.75 lacs per day. Let us say you want to pay 2 lacs on hospital transaction. You can login and change the limits for featured category which is medical and pay the whole 2 lacs.
No joining benefits on HDFC EasyShop Womans Advantage Debit Card.
Reward points (RP)
- 1 CashBack point on every Rs. 200 spent on PayZapp, SmartBuy, Telecom, Utilities, Groceries & Supermarket, Restaurant & Apparels, Entertainment
Note: Maximum CashBack points earning is capped to 750 per month and subject to appropriate merchant category code.
Reward points redemption
Go to below given section in Net Banking to redeem CashBack points.
Cards> Debit Cards > Enquire> CashBack Enquiry and Redemption> Account Number> Continue> Input the CashBack amount.
Airport lounge access (India)
There is no airport lounge access offer on HDFC EasyShop Womans Advantage Debit Card.
1) Personal Accidental Death cover for accident by Air/ Road/ Rail – Sum insured of Rs. 5 Lacs
2) You also get additional International Air Coverage of flat Rs. 25 Lacs on purchase of air ticket using your Debit Card. (For International Air Tickets booked using HDFC EasyShop Womans Advantage Debit Card)
3) Fire & Burglary Protection of Rs. 2,00,000
- You are insured for the items purchased using Debit Card (up to 3 months)
4) Checked Baggage Insurance Sum of Rs. 2 lakh
Note: All HDFC EasyShop Womans Advantage Debit Card holders are required to use their Debit Card at retail OR online stores at least once every 30 days to keep the free Personal Death Insurance cover active.
|Instant Pin Generation using NetBanking and MobileBanking||Free|
|ATM PIN generation||Rs. 50 + applicable taxes|
|Decline charges for insufficient balances (At non HDFC outlets)||Rs. 25 + applicable taxes per transaction|
|Cross-currency mark-up charges on foreign currency transactions||3.5% + applicable taxes|
ATM charge structure
|Account Type||Savings & Salary Account|
|No of Free Transactions per month at HDFC Bank ATMs||Free Transactions – 5|
|No of Free Transactions per month at other Bank ATMs||At Metro ATMs : 3 Free Transactions
At Non Metro ATMs: 5 Free Transactions
|Charges beyond prescribed limit of free transactions||Cash Withdrawal – Rs 20/- plus applicable taxes
Non-Financial Transaction – Rs 8.50/- plus applicable taxes
You will not have any liability to any fraudulent Point of Sale transactions on the debit card, which take place up to 90 days prior to reporting the card loss. Maximum limit set to Rs. 5 lakh for HDFC EasyShop Womans Advantage Debit Card.
Fuel surcharge waiver
Fuel Surcharge would not be applicable for the transactions done on HDFC Bank swipe machines.
Conclusion on HDFC EasyShop Womans Advantage Debit Card
Go for it factors
- Very low annual fee
- Effective insurance cover
- Earn in cash back for spends on the card
- No fuel surcharge when swiped at HDFC machines
- Higher card swipe limit along with dynamic card limit feature for specific categories
- This card is enabled with chip + Pin feature to provide more security for card transactions
No airport lounge access and offers related to movie bookings.