11 January, 2024
HDFC Bank’s PayZapp digital payment application gives you the flexibility to enable and customise your Credit and/or Debit Card transaction limits. Whether you are a frequent traveller, budget-conscious spender or you simply want to secure your cards, PayZapp provides greater control over your finances and spendings. Read on to learn how to set Debit or Credit Card transaction limit on PayZapp.
Reasons to Enable/Modify Transaction Limits?
Setting transactions limits on your bank cards, helps ensure that you stick to a specific spending budget and do not exceed it. It prevents you from spending your money impulsively or excessively. By allocating a daily limit, you can be in better control of your finances. With PayZapp, you can flexibly manage and adjust your transaction limits as per your preferences.
How To Set Up and Enable Debit/Credit Card Limit On PayZapp?
To enable this feature on PayZapp, follow these simple steps:
Launch the PayZapp application on your mobile.
Head to ‘Accounts & Cards’ section on the app’s home screen.
Tap on ‘Card’ to get the list of your linked cards and choose the HDFC Bank Debit/Credit Card for which you want to set transaction limit. You may also add your Prepaid Cards and set limits on them.
Tap on the ‘Payment limit’ option and enable the transaction limit for the specific type of transaction by tapping on the toggle switch.
Set your preferred limits for both domestic and international transactions.
Besides setting up Debit/Credit/Prepaid Card limit on PayZapp, you can also modify the transaction limits per your changing requirements. Whether you wish to increase your daily spending limit for a specific purchase or reduce the Tap & Pay limit for added security, you simply need to enter your desired limit, and confirm the changes.
Benefits Of Customising Transaction Limits
Now that you know how to set Credit/Debit/Prepaid Card limit on PayZapp, let’s explore the benefits of using this feature:
When you lower your transaction limits for domestic and international transactions, it can significantly enhance security and help reduce damages in case you lose your Debit/Credit Card.
Greater financial control
Enabling transaction limits gives your greater control over your expenses and helps you examine your spending behaviour. You can easily set limits that align with your budget to ensure that you do not spend money impulsively.
This feature can also help you with effective budget management. By setting up daily or monthly spending limits, you can stick to your budgetary goals and cut down on reckless spending.
Reducing the limit for online transactions can prevent you from making significant unauthorised purchases in case your card details are compromised. You can always increase the limit temporarily when you need to make big-ticket purchases, but it is wise to always set a lower transaction limit.
Control your children’s spending
If you have provided Debit/Credit/Prepaid Cards to your children who are teenagers or college students, enabling Card limit on PayZapp can help you control their spending and prevent them from excessive spending. You can set limits that match their financial needs and requirements.
Major Security Considerations While Setting Card Limits
Although you can flexibly adjust cards limits whenever you want, it is important to keep these factors in mind while setting Debit/Credit and Prepaid Card Limits. The key considerations include:
Only modify your card limits when it is necessary and avoid setting excessively high limits that could pose a risk if your phone or cards gets stolen or lost.
Never share your PayZapp credentials since unwanted access to your account could result in unauthorised transactions or your cards may be used to make payments for illegal transactions.
Regularly track your transaction history to identify any unusual or unauthorised activity on your PayZapp account. If you find anything unusual you must promptly reach out to our customer care helpline.
Download PayZapp to Gain Control of Your Finances
If you have not already downloaded the PayZapp application, you should consider doing it right away! PayZapp is a convenient, seamless, all-in-one online payment application for all your financial needs. It is designed to enhance your digital payment experience effortlessly and securely. With payzapp Online Payments App, you can easily enable and modify your HDFC Credit Debit and Prepaid Card limits.
Click here to make upi payment through PayZapp on your IOS phone.
Click here for online payment through PayZapp on your Android phone.
Download PayZapp now
*Terms and conditions apply. The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circ*mstances.
FAQs
The PayZapp transactions limits are ₹10,000 per month for non-KYC Accounts and ₹200,00 per month for KYC-compliant customers. Is PayZapp safe to use?
What is the limit of PayZapp debit card? ›
The PayZapp transactions limits are ₹10,000 per month for non-KYC Accounts and ₹200,00 per month for KYC-compliant customers. Is PayZapp safe to use?
How can I set my debit card limit? ›
To adjust your debit card's daily spending limit, you will need to contact your bank. Most banks provide multiple channels for communication, including customer service helplines, online banking platforms, or in-person visits to a branch.
How to set limit in HDFC debit card? ›
Visit Debit Card section under Cards. Under Request go to Set Card usage/limits. Select the Debit card. Go to Daily Domestic usage/limits OR Daily International usage /limits.
How to set credit card limit in HDFC? ›
Using NetBanking
- Login to NetBanking using your Customer ID.
- Go to Cards Tab>>Request>> Set Card Usage/Limits.
- Your existing Daily Domestic Usage/Limit and Daily International Usage/Limit for all types of. ...
- Switch on International Usage and click on Continue.
- In the review page, click “Confirm”
Launch the PayZapp application on your mobile. Head to 'Accounts & Cards' section on the app's home screen. Tap on 'Card' to get the list of your linked cards and choose the HDFC Bank Debit/Credit Card for which you want to set transaction limit. You may also add your Prepaid Cards and set limits on them.
Is there a limit on debit cards? ›
Typical debit card ATM withdrawal limits range from $300 to $1,500 per day, while debit card spending limits usually range from $2,000 to $7,000. Purchase or spending limits may include ATM withdrawals. Your daily limit can vary based on who you bank with and what type of account you have.
How do I change my debit card limit? ›
How to increase your debit-card limit
- Find out the limit that the bank sets. Unlike credit cards, whose limits can be easily found on bank statements, online or on a mobile app, finding the limit on a debit card takes a bit more leg work. ...
- Ask your bank for a daily limit change. ...
- Consider how long you want this change for.
Setting your own credit card limit is a do-it-yourself task. Forget about what your issuer will allow you to spend on your cards. Instead, decide on the maximum amount you're willing to spend and hold yourself to it.
Can I pay $10,000 with my debit card? ›
Yes, banks have debit card limits for how much you can spend or how much money you can withdraw at an ATM. Daily purchase limits can range from $300 to $10,000. Daily withdrawal limits for debit cards can vary from $200 to $5,000.
How to get started?
- 1 Download PayZapp now! Available on.
- 2 Register. Register with your mobile number, registered with HDFC Bank and enter your details. ...
- 3 Complete your KYC. Update your KYC to get your cashback credits on the payment you make.
- 4 Link any bank's Debit or Credit Card. ...
- 5 Register for UPI.
The procedure is simple:
- Once you get your welcome kit from the bank, along with the Debit Card, there is an ATM pin given in a sealed envelope.
- When you go to the ATM, enter your Debit Card and enter the ATM pin provided in the welcome kit. ...
- Change your ATM PIN and use the card henceforth for regular transactions.
The bank fixes the limit, depending on their perception of your ability to pay. Some of the factors they take into account are your income – higher your income, higher your Credit Card limit is going to be. Another thing they look at is your Credit Score, which depends on your record of repayments of debt.
How can I add limit in HDFC? ›
To increase your Third Party Transfer Limit, just login to NetBanking and follow these simple steps: Click on the Funds Transfer tab, select "Modify TPT Limit" from the Request section, click on "INCREASE", and chose your desired TPT limit from the drop down menu.
How to enable disabled HDFC credit card? ›
You can also send a Whatsapp message and enable your credit card for online, contactless and international transactions. Send a message 'Manage My Credit Card' to 7070022222 to enable your credit card. After this, you are required to follow the steps as per your requirements to activate your card.
What is the maximum amount I can pay with debit card? ›
Dynamic Limits on Debit Cards
| Debit Card Variant | Current Default Debit Card Shopping Limit |
|---|
| Titanium Debit Card Titanium Royale Debit Card | 1.75 (Rs Lakhs) |
| Easyshop Regular Debit Card & Women's Advantage Debit Card | 1.25 (Rs Lakhs) |
| Rupay Premium Debit Card | 1.25 (Rs Lakhs) |
| Platinum Debit Card & Business Debit Card | 5.00 (Rs Lakhs) |
2 more rowsThe balance can be zero to a few millions or even more. The balance is in the account, and not directly in the debit card. When we use the debit card for a withdrawal from ATM, there are limits about how much money can be withdrawn at a time, how much in a day etc.
What is the limit of lazy pay card? ›
What is LazyPay? LazyPay is India's fastest way to get credit online. Just enter your mobile number and discover your unique credit limit. LazyPay credit limit can be increased upto Rs 1,00,000 through an easy digital process.
What is the limit of easy pay debit card? ›
50,000. The ATM withdrawal limit per day is Rs. 25,000. You can transfer money to your Easy Pay account via net banking, RTGS, NEFT, cheques, and Cash Management Services (CMS).
