The customers are charged for transactions at ATMs over and above mandated numbers of free transactions.Major banks in country offer a fixed number of ATM-cum-debit card transactions free of cost ever month and charge customers for transactions at ATMs over and above these permitted numbers.
The ATM card charges apply depending on type - whether it belongs to same bank where customer's account is located or some other bank - and nature of ATM - whether ATM is located in a metropolitan or any other city in country.
Banks, from state-run State Bank of India (SBI) to private sector peers like HDFC Bank, ICICI Bank and Yes Bank - also charge customers for issuance and annual maintenance of an ATM-cum-debit card.State Bank of India (SBI)Here are various charges of SBI's ATM cards as stated on bank's website - sbi.co.in:HDFC BankHere are various charges of HDFC Bank's ATM cards as stated on bank's website - hdfcbank.com:ATM / DEBIT CARD RELATED CHARGESATM cardNo ChargeATM card - Replacement chargesReplacement of a lost card - Rs.
200 (plus taxes)ATM card - Transaction charge - non HDFC Bank domestic ATMsNo Charge (effective 1st Dec 2014)Debit Card - Annual Fee - RegularRs.
150 per year (plus taxes) (w.e.f.
25th Dec'14)Debit Card - Renewal Fee - RegularRs.
150 per year (plus taxes) (w.e.f.
25th Dec'14)Debit Card - Annual Fee - PlatinumRs.
750 per year (plus taxes) (w.e.f.
1st June'15)Debit Card - Renewal Fee - PlatinumRs.
750 per year (plus taxes) (w.e.f.
1st June'15)Debit Card - Replacement chargesReplacement/Reissuance Charges for Debit Cards - Rs.200 plus applicable taxesAdd-on debit card - RegularOne add-on card - No Charge for first yearRs.
150 per year (plus taxes) (w.e.f.
25th Dec'14)Debit Card - Transaction charge - HDFC Bank ATMsNo ChargeDebit Card - Transaction charge - non HDFC Bank domestic ATMsFirst 5 Transactions Free across all CitiesTransactions 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)PIN regeneration chargeRs.
50 (plus taxes)Number of Cash transactions4 free cash transactions per month(Cumulative of Deposit and Withdrawal)5th transaction onwards - Rs.150/- per transaction plus applicable taxes (W.e.f 1st Nov'17) would be leviedValue of Cash transactionsAny HDFC Branch(Cumulative of Deposit and Withdrawal)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 transactionUpto a limit of Rs.25,000/- per day - Rs.150/- plus applicable taxes (W.e.f 1st Nov'17)(Cumulative of Deposit and Withdrawal)Above Rs.25,000/- not allowedICICI BankHere are various charges of ICICI Bank's ATM cards as stated on bank's website - icicibank.com:Transaction typeTransaction chargesJoining FeeRs.
250 + GST as applicableAnnual FeeRs.
250 + GST as applicableLost card replacementRs.
199 + GST as applicableCash withdrawal from ICICI Bank ATM'sFreeCash withdrawal from Non ICICI Bank ATM'sRs.
20 per withdrawal + GST as applicableBalance Inquiry from ICICI Bank ATM'sFreeBalance Inquiry from Non ICICI Bank ATM'sRs.
8 per inquiry + GST as applicableYes BankHere are various charges of Yes Bank's ATM cards as stated on bank's website - yesbank.in:Standard Debit Card VariantsIssuance/Annual Debit Card FeeYES FIRST World/ YES FIRST Business World Debit CardRs 2,499Yes PREMIA World Debit CardRs 1,249Yes Prosperity Platinum CHIP + NFC Debit CardRs 599Yes Prosperity Platinum CHIP + NFC Debit Card399 199Yes Prosperity Titanium Plus CHIP + NFC Debit CardRs 399Yes Prosperity Gold CHIP Debit CardRs 249Yes Prosperity Titanium CHIP + NFC Debit CardRs 149Yes Prosperity Silver CHIP Debit CardRs 149RuPay Domestic Platinum CHIP Debit CardRs 99RuPay PMJDY Debit CardNilRuPay Kisan Debit CardNilYes Prosperity Business Gold Debit CardRs 349The saving account of India Post, which has a network of more than 1.5 lakh post offices across country, also offers ATM facility.