‘Hidden’ ATM Debit Card charges: SBI vs HDFC vs ICICI vs PNB vs Axis Bank

debit card

Are you aware of the hidden you pay for every transaction you make with your ATM Debit card? For example, every time you use an SBI Debit card on other banks’ terminals, you end up paying 2.5% or Rs 10 (Whichever is higher). Similarly, if you use an HDFC debit card at railway stations, you end up paying Rs 30 per ticket extra + 1.8% of the transaction amount. These charges are all available on the websites of the banks but users are not always aware of them. 



Here are all the charges SBI, HDFC, Axis Bank, ICICI Bank and PNB take from you for using their debit card. If you use another card, check the charges you pay on the website of the bank:

State Bank of India:

Sl.No
Particulars Charges Rs
1 Debit Card Issuance Charges Normal (Classic/Global) Nil
Gold Debit Card 100/- (including service tax)
Platinum Debit Card 306/- (including service tax)
2 Debit Card Annual Maintenance Charges (Recovered at the beginning of the second year onwards) Classic Debit Card 100/- plus service tax
Silver/Global /Yuva /Gold Debit Card 150/- plus service tax
Platinum Debit Card 200/- plus service tax
Pride/Premium Business Debit Card 300/- plus service tax
3 Debit Card Replacement Charges Rs.204/- (including service tax)
4 Duplicate PIN/ Regeneration of PIN Rs.51/- (including service tax)
5 Domestic Transaction Charges Transactions at State Bank Group ATMs Free
Other Bank ATMs – Up to 5 Transactions during a calendar month (for savings bank account only) Free
Other Bank ATMs – Beyond 5 transactions(in Savings account) AND other than savings account:
Ø Financial Transaction: 17/- (including service tax)
Ø Non-Financial Transaction 6/- (including service tax)
Point of Sale (PoS)/ eCommerce Transactions
No extra charges (surcharge) applicable currently for making payments through State Bank Debit Card except the use at fuel stations in India the following charges are applicable:
Particulars Rate
For transactions using State Bank Debit Cards on SBI’s PoS terminals 0.75% of transaction value for transactions up to Rs. 2,000/- or Rs. 10/- (whichever is higher)
1% of transaction value for transactions above Rs. 2,000/-
For transactions using State Bank Debit Cards on other Banks’ PoS terminals 2.5% of transaction value or Rs. 10/- (whichever is higher)
6 International Transaction Charges Balance enquiry 17/- (including service tax)
ATM Cash withdrawal transactions 169/- (including service tax)
Point of Sale(PoS)/ eCommerce transactions Nil
7 ATM/Point of Sale (PoS) Transaction Decline Due to Insufficient Balance 17/- (including service tax)

*Service Tax is applicable @ 12.36%



Other Card-related charges:

Sl.No Particulars Charges Rs.
1 eZ-Pay card:
Issuance fee 102/- (including service tax)
Reloading charges 10/- plus service tax
Replacement of card/PIN 102/- (including service tax)
Refund of unspent amount at SBI Branches 102/- (including service tax)
2 Gift Card:
Issuance fee 102/- (including service tax)
Replacement Card 102/- (including service tax)
3 Vishwa Yatra Foreign Travel Card
Issuance fee 112/- (including service tax)
Add on Card(Max 2) 112/- (including service tax)
Reloading charges 56/- (including service tax)

HDFC Debit card charges:

ATM / DEBIT CARD RELATED CHARGES
ATM card No Charge
ATM card – Replacement charges Replacement of a lost card – Rs 200 (plus taxes)
ATM card – Transaction charge – non HDFC Bank domestic ATMs No Charge (effective 1st Dec 2014)
Debit Card – Annual Fee – Regular Rs 150 per year (plus taxes) (w.e.f. 25th Dec’14)
Debit Card – Renewal Fee – Regular Rs 150 per year (plus taxes) (w.e.f. 25th Dec’14)
Debit Card – Annual Fee – Platinum Rs 750 per year (plus taxes) (w.e.f. 1st June’15)
Debit Card – Renewal Fee – Platinum Rs 750 per year (plus taxes) (w.e.f. 1st June’15)
Debit Card – Replacement charges Replacement/Reissuance Charges for Debit Cards – Rs. 200 plus applicable taxes
Add-on debit card – Regular
  • One add-on card – No Charge for the first year
  • Rs 150 per year (plus taxes) (w.e.f. 25th Dec’14)
Debit Card – Transaction charge – HDFC Bank ATMs No Charge
Debit Card – Transaction charge – non HDFC Bank domestic ATMs First 5 Transactions Free across all Cities
Transactions over and above free limit will be charged as under:

  • Cash withdrawal – Rs. 20 plus applicable taxes (W.e.f 1st Nov’17)
  • Non-Financial Transaction – Rs. 8.5 plus applicable taxes (W.e.f 1st Nov’17)
Debit Card – Transaction charge – non HDFC Bank international ATMs
  • Rs 25 per balance enquiry
  • Rs 125 per cash withdrawal (plus taxes)

The Bank will charge cross-currency mark-up of 3.5% on foreign currency transactions carried out on Debit Cards. The exchange rate used will be the VISA/Master Card wholesale exchange rate prevailing at the time of transaction

Decline charge for insufficient balance Transactions declined at other bank ATMs anywhere in the world or at a merchant outlet outside India due to insufficient funds will be charged at Rs 25 per transaction (plus taxes)
PIN regeneration charge Rs 50 (plus taxes)
Number of Cash transactions 
(Cumulative of Deposit and Withdrawal)
4 free cash transactions per month
5th transaction onwards – Rs.150/- per transaction plus applicable taxes (W.e.f 1st Nov’17) would be levied
Value of Cash transactions
(Cumulative of Deposit and Withdrawal)
Any HDFC Branch

  • 2 lakh – Free per month per account.
  • Above 2 lakh – Rs.5/- per thousand or part thereof, subject to a minimum of Rs.150/- plus applicable taxes (W.e.f 1st Nov’17)
Third party Cash transaction
(Cumulative of Deposit and Withdrawal)
Upto a limit of Rs.25,000/- per day – Rs.150/- plus applicable taxes (W.e.f 1st Nov’17)
Above Rs.25,000/- not allowed
Any deliverable returned by courier due to negative reasons (no such consignee/consignee shifted and no such address) Rs 50/- per instance plus applicable taxes (W.e.f 1st Nov’17)

Charges on usage at domestic merchant outlets/websites

– 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 the Debit Card at:

Railway Stations: Flat charge of Rs. 30 per ticket + 1.8% of the transaction amount.

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).

Instant Pin Generation(Set up your own PIN using NetBanking and MobileBanking) – Free

ATM PIN generation – Rs 50 + applicable taxes

Decline charges for insufficient balances (For non-HDFC Bank Domestic/International ATMs as well as at International merchant outlets/online stores) –  Rs. 25 + applicable taxes per transaction.

Cross-currency mark-up charges on foreign currency transactions – 3.5% + applicable taxes on foreign currency transaction carried out on Debit Cards. The exchange rate used will be the VISA/MasterCard wholesale exchange rate prevailing at the time of transaction/merchant settlement.



Axis Bank Debit Card Charges:

Card Platform Visa Classic/Platinum
Issuance Fees Rs. 200 + taxes
Annual Fees Rs. 150
Replacement Fee Rs. 200
ATM Withdrawal Limit (Per Day) Rs. 40,000
Purchases Limit per day Rs. 1,00,000
Lost Card Liability Rs. 50,000
Personal Accident Insurance Cover Rs. 2 lakh
Airport Lounge Access No
MyDesign Rs. 150  extra

Punjab National Bank Debit Card Charges:

Sr.No. Particulars of Charges Charges
1 Classic Card Issuance Charge Nil
2 Platinum Card Issuance Charge Rs. 300
3 International Card Issuance Charge Rs.200
4 Business Card Issuance Charge Rs. 200
5 Prepaid Card Issuance ChargeHowever, in case the earlier PIN has not been used due to error in Printing, issue of Duplicate PIN shall be free) Rs. 20
6 Issuance Charge on other Card types Nil
7 Cost of International Debit Card ( Chip Based Debit Card) Rs. 200
8 Debit Card Annual Fee (from the second year onwards) Rs.100/- + GST
9 Business Debit Card Annual Fees (from second year) Rs.200 + GST
10 Charges for issuance of Add on Card Rs. 100
11 Charges for issuance of Duplicate Pin. However, in case the earlier PIN has not been used due to error in Printing, issue of Duplicate PIN shall be free) Rs. 50
12 Charges for Issuance of Duplicate ATM/Debit Card/Replacement of ATM/Debit Card Rs. 200
13 Mark Up Charges for each POSP transaction at Petrol Pumps, Restaurants and for Railway Bookings, etc. @2.5% + GST subject to minimum of Rs. 10/-
(i)Mark up charges for each POSP/Ecommerce transaction done by Rupay debit card holders at Petrol Pumps and for Railway bookings etc @2.5%+ GST subject to minimum of Rs. 10/- (w.e.f. 15.03.2014)
ii) Mark up charges for each POSP/Ecommerce transaction done by debit card holders at Restaurant – actual claimed by the acquirer Bank through RGCS. (w.e.f. 15.03.2014)
14 ATM Access fee / charge for making international acquirer transactions at our ATMS(w.e.f. 14.07.2013) Rs. 150/- per transaction

Also Read: What is Mutual Fund? The basics you should know!

ICICI Bank Debit card charges:

Debit Card PIN re-generation Charges – Rs. 25. (Not applicable if you make a request through Instapin at Branch/Customer Care)

– Fee for replacement debit – Rs. 200.00 plus 18% GST.

– ICICI Bank Expressions Debit Card charges: Joining fee Rs. 499/- (Plus GST) only. Annual charges of Rs.499/-(Plus Goods and Service Tax ) from second year onwards is . 

– Rs.499 coral debit card: Annual fee is debited upfront every year after the 1st year. 

– Sapphiro Debit Card charges: Joining fee: Rs.1999 + Goods and Service Tax; 
Annual fee:Rs.1499 + Goods and Service Tax. Annual fee is charged from the 2nd year onwards. Joining fee charged only for the 1st year. Re-issuance charge is 200 + GST. 

– 18% GST is applicable on the charges w.e.f. July 1, 2017. 



– POSDEC CHRGS levied in the statement: If a transaction is declined at any Non-ICICI Bank ATM or Point of Sale (POS) due to insufficient balance in the account, charges of RS 25 plus 18% GST is levied. The charges reflect in the account statement with narration as ‘POSDEC CHRGS’.

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