Aabhar Card

Aabhar Card

Aabhar card is a loyalty card to be applied voluntary by HDBFS customers. It comes with plethora of benefits not only for the Primary Applicant / user but also for dependents.

The holder of this card is also eligible to avail insurance and other service benefits attached to it. The user is covered for illnesses including Covid - 19 for Platinum holders and disability / death coverage of upto Rs. 10 Lacs*.

Features & Benefits

  • Easy & Hassle Free Loans from HDBFS.
  • Customer can know their Loan eligibility and the process to avail the same just by showing this card
  • Customer is also eligible to avail insurance and other service benefits attached to this card

Type of Loan Availed

Benefit Covered Coverage Benefit Type of Loan Availed
CDL/DPL TWL Car Loan CVL Tractor Loan CE
Accidental Death Benefit

Common Sum Insured for Accidental Death Benefit, Permanent Total Disability (PTD) and Permanent Partial Disability (PPD)

Primary Applicant Only Upto INR 5,00,000
Natural Death Benefit

Sum insured to the extent of the outstanding loan balance of the customer

Primary Applicant Only Principal o/s + Interest OR Rs. 2 lac whichever is lower
In-patient Hospitalization Cover

Covered in case of accidents only

Primary Applicant Only INR 50,000
Hospital Daily Cash (Including Covid -19)

Maximum 10 days of coverage where customer can claim multiple times in the year.

1. Unmarried - Primary Applicant + 2 Parents (Father & Mother) 2. Married Primary Applicant + (Spouse + 2 Children) INR 1,000 per day
Income Protection Cover

One time fixed benefit payable on detection of Air borne diseases, *Vector borne diseases or Broken bones only

1. Unmarried - Primary Applicant + 2 Parents (Father & Mother) 2. Married Cardholder + (Spouse + 2 Children) ₹ 20,000
(On detection)
Loan Repayment to Loan Provider

Outstanding loan principal amount to be paid in case of Accidental death or Permanent Total Disability

To HDBFS Upto INR 1,00,000 for CDL/DPL/TW
Upto INR 5,00,000 for Car/CV/TRL
EMI PROTECT

Valid only in case of continuous hospitalisation

To HDBFS Upto 3 EMI of INR 20,000 for
Car/CV/TRL
Upto 3 EMI of INR
5,000 for TW
Road Side Assistance (RSA)

Battery Jump start, Towing, Lost Key Support, Fuel Delivery, Repair on site

Vehicle purchase attached to the card 5 years RSA support for Car, CV & Tractor
3 years RSA support for TW
Online/Tele Consulting

Health/ Lifestyle related consulting

Primary Applicant + 4 family members 1 Year (Unlimited)
Tele Consultation Doctor Services

(General Practioner)

Family of 4 1 Year (Unlimited)
Home Protect Benefit* Home Appliances Protect Cover 1 Year INR 50,000 for CD/DPL
3 Years INR 50,000 for TW
3 Years INR 1,00,000 for Car/CV/TRL

*Vector Borne Diseases (VBD) - Dengue, Malaria, Chikungunya, kala-azar, Filariasis, Japanese encephalitis

Insurance & other service benefits attached to TW/Car/CV/Tractor Loans will be applicable for 3 years

Insurance & other service benefits attached to CD/DP Loans will be applicable for 1 year

*Home Protect Benefit & Home Assure benefit will be applicable from 6th May, 2024

Benefit Covered Coverage Benefit Type of Loan Availed
CDL DPL TWL Car Loan CVL Tractor Loan CE RELPL
Accidental Death Benefit
Common Sum Insured for Accidental Death Benefit, Permanent Total Disability (PTD) and Permanent Partial Disability (PPD)
Primary Applicant Only Upto INR 5,00,000 for CDL/DPL/RELPL
Upto INR 10,00,000 for TWL/Car/CVL/TRL
Natural Death Benefit
Sum insured to the extent of the outstanding loan balance of the customer
Primary Applicant Only Principal o/s + Interest OR
Rs. 2 lacs whichever is lower
In-patient Hospitalization Cover
Covered in case of accidents only
Primary Applicant Only Upto INR 50,000 for CDL/DPL/RELPL
Upto INR 1,00,000 for TWL/Car/CVL/TRL
Hospital Daily Cash (Including Covid -19)
Maximum 10 days of coverage where customer can claim multiple times in the year.
1. Unmarried - Primary Applicant + 2 Parents (Father & Mother)
2. Married Primary Applicant + (Spouse + 2 Children)
INR 1,000 per day for 10 days for CDL/ DPL/RELPL
INR 2,000 per day for 10 days for TWL/Car/CVL/TRL
Income Protection Cover
One time fixed benefit payable on detection of Air borne diseases, *Vector borne diseases or Broken bones only
1. Unmarried - Primary Applicant + 2 Parents (Father & Mother)
2. Married Primary Applicant + (Spouse + 2 Children)
INR 20,000 (On detection) for CDL/DPL/RELPL
INR 40,000 (On detection) for TWL/Car/CVL/TRL
Loan Repayment to Loan Provider
Outstanding loan principal amount to be paid in case of Accidental death or Permanent Total Disability
To HDBFS Upto INR 1,00,000 for CDL/DPL/RELPL
Upto INR 2,00,000 for TWL
Upto INR 5,00,000 for Car/CVL/TRL
EMI PROTECT
Valid only in case of continuous hospitalisation
Primary Applicant Only 1 Year Upto 3 EMI INR 5,000 for CD/DPL/RELPL & 3 Years Upto 3 EMI INR 5000 for TWL 3 Years Upto 3 EMI INR 20,000 for Car and Upto 3 EMI INR 80,000 for CVL/TRL
Extended Warranty
1 year extended warranty on Consumer Durables & Laptop, applicable once the manufacturer warranty is over (Repair benefits maximum upto the invoice value of the product)
Appliances attached to the card/ Primary Applicant only 1 Year Warranty only on Laptop(DPL)
Screen Protection
Customers Purchasing Mobile/Smart Phones will get Screen protection plan for 1 year from the date of purchase (One time repair service during the contract period)
(One time repair service during the contract period)
Appliances attached to the card/ Primary Applicant only 1 Year Screen Protection only on Mobile/Smart Phones
Road Side Assistance (RSA)
Battery Jump start, Towin, Lost Key Support, Fuel Delivery, Repair on site
Vehicle purchase attached to the card 3 Years RSA support for TW
5 Years RSA support for Car/CVL/TRL
Online/Tele Consulting
Health/Lifestyle related consulting
Primary Applicant + 4 family members Unlimited (3 Years for TW 5 Years for Car/CV/TRL)
Tele Consultation Doctor Services
(General Practioner)
Family of 4 1 Year (Unlimited)
Home Protect Benefit* Home Appliances protect cover 1 Year INR 1,00,000 for CD/DPL/RELPL
3 Years INR 1,00,000 for TW
3 Years INR 2,00,000 for Car/CV/TRL
Home Assure* Maintenance of Appliances Upto 4 Home Appliances (1Year)

*Vector Borne Diseases (VBD) - Dengue, Malaria, Chikungunya, kala-azar, Filariasis, Japanese encephalitis

Insurance & other service benefits attached to TW/Car/CV/Tractor Loans will be applicable for 3 years

Insurance & other service benefits attached to CD/DP Loans will be applicable for 1 year

*Home Protect Benefit & Home Assure benefit will be applicable from 6th May, 2024

Benefit Covered Coverage Benefit RELPL
Accidental Death Benefit
Common Sum Insured for Accidental Death Benefit, Permanent Total Disability (PTD) and Permanent Partial Disability (PPD)
Primary Applicant Only INR 10,00,000
Natural Death Benefit
Sum insured to the extent of the outstanding loan balance of the customer
Primary Applicant Only Upto INR 2,00,000
In-Patient Hospitalization Cover
Covered in case of accidents only
Primary Applicant Only INR 1,00,000
Hospital Daily Cash (Including Covid -19)
Maximum 10 days of coverage where customer can claim multiple times in the year.
1. Unmarried - Primary Applicant + 2 Parents (Father & Mother)
2. Married Primary Applicant + (Spouse + 2 Children)
INR 2,000 per day
Income Protection Cover
One time fixed benefit payable on detection of Air borne diseases, *Vector borne diseases or Broken bones only
1. Unmarried - Primary Applicant + 2 Parents (Father & Mother)
2. Married Primary Applicant + (Spouse + 2 Children)
INR 40,000
(on Detection)
Loan Repayment to Loan Provider
Outstanding loan principal amount to be paid in case of Accidental death or Permanent Total Disability
To HDBFS Upto INR 2,00,000
EMI PROTECT
Valid only in case of continuous hospitalisation
To HDBFS Upto 3 EMI 2 years
(Max upto INR 11,000)
Tele Consultation Doctor Services
(General Practioner)
Family of 4 Unlimited for 1 year
Home Protect Benefit* Home Appliances Protect Cover 2 Years INR 1,00,000

*Vector Borne Diseases (VBD) - Dengue, Malaria, Chikungunya, kala-azar, Filariasis, Japanese encephalitis

Insurance & other service benefits attached to TW/Car/CV/Tractor Loans will be applicable for 3 years

Insurance & other service benefits attached to CD/DP Loans will be applicable for 1 year

*Home Protect Benefit & Home Assure benefit will be applicable from 6th May, 2024

Product Offer (Three Year Validity) Coverage Benefit Type of Loan Availed
Unsecured Loan - Personal Loan
Income Protection Cover
One time fixed benefit payable on detection of Air borne diseases, *Vector borne diseases or Broken bones only
1. Unmarried - Primary Applicant + 2 Parents (Father & Mother)
2. Married Primary Applicant + (Spouse + 2 Children)
₹ 40,000 (On detection)
In-Patient Hospitalization Cover
Covered in case of accidents only
Primary Applicant ₹ 1,00,000
EMI PROTECT
Valid only in case of continuous hospitalisation
To HDBFS Upto ₹20,000 each
Hospital Daily Cash (Including Covid -19)
Maximum 10 days of coverage where customer can claim multiple times in the year
1. Unmarried - Primary Applicant + 2 Parents (Father & Mother)
2. Married Primary Applicant + (Spouse + 2 Children)
₹ 4,000 per day
OPD Benefits
Tele Consultation Doctor Services
(General Practioner)
Family of 4 Age(Child 1day to 25yrs; Adult 18yrs to 85yrs)
1. Unmarried - Primary Applicant + 2 Parents (Father & Mother)
2. Married Primary Applicant + (Spouse + 2 Children)
Unlimited for 3 years
Tele Doctor Specialist Consultations
Ayurveda, Homeopathy, MBBS / BHMS doctors
Unlimited for 3 years
Comprehensive Health Check-up
Covering 78 parameters
4 times in 3 years
Fitness Pass
(Daily Live classes by Fitness experts on HA Platform- Yoga, Zumba, Functional fitness etc.)
Unlimited for 3 years
Exclusive Discounted Platform Benefits:
Discount on Routine Lab Tests
Up to 50% Discount In-network centers
Family of 4 Age(Child 1day to 25yrs; Adult 18yrs to 85yrs)
1. Unmarried - Primary Applicant + 2 Parents (Father & Mother)
2. Married Primary Applicant + (Spouse + 2 Children)
Unlimited for 3 years
Discount on OPD Visits
Up to 50% Discount at In-network Centers
Discount on Home Delivery of Prescription Medicines
Up to 15% Discount on Order via HealthAssure Platform

*Vector Borne Diseases (VBD) - Dengue, Malaria, Chikungunya, kala-azar, Filariasis, Japanese encephalitis

Insurance & other service benefits attached to TW/Car/CV/Tractor Loans will be applicable for 3 years

Insurance & other service benefits attached to CD/DP Loans will be applicable for 1 year

*Home Protect Benefit & Home Assure benefit will be applicable from 6th May, 2024

AabharGold Coverage Benefit Gold Loan
Accidental Death Benefit
Common Sum Insured for Accidental Death Benefit, Permanent Total Disability (PTD) and Permanent Partial Disability (PPD)
Primary Applicant Only INR 5,00,000
In-Patient Hospitalization Cover
Covered in case of accidents only
Primary Applicant Only INR 1,00,000
Hospital Daily Cash (Including Covid -19)
Maximum 10 days of coverage where customer can claim multiple times in the year.
1. Unmarried - Primary Applicant Only + 2 Parents (Father & Mother)
2. Married Primary Applicant Only + (Spouse + 2 Children)
INR 2,000 per day
Income Protection Cover
One time fixed benefit payable on detection of Air borne diseases, *Vector borne diseases or Broken bones only
1. Unmarried - Primary Applicant Only + 2 Parents (Father & Mother)
Married Primary Applicant Only + (Spouse + 2 Children)
INR 40,000 (on Detection)
Loan Repayment to Loan Provider
Outstanding loan principal amount to be paid in case of Accidental death or Permanent Total Disability
To HDBFS Upto INR 2,00,000
EMI PROTECT
Valid only in case of continuous hospitalisation
To HDBFS Upto 3 EMI (Max upto INR 11,000)
Tele Consultation Doctor Services
(General Practioner)
Family of 4 Unlimited for 1 year

*Vector Borne Diseases (VBD) - Dengue, Malaria, Chikungunya, kala-azar, Filariasis, Japanese encephalitis

Insurance & other service benefits attached to TW/Car/CV/Tractor Loans will be applicable for 3 years

Insurance & other service benefits attached to CD/DP Loans will be applicable for 1 year

*Home Protect Benefit & Home Assure benefit will be applicable from 6th May, 2024

Please Click here for terms and conditions of the Aabhar Card.

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