Aabhar Card

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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 card holder/ 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
Accidental Death Benefit

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

 Card Holder only Upto INR 5,00,000
Natural Death Benefit

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

 Card Holder only Principal o/s + Interest OR Rs. 2 lacs whichever is lower
In-patient Hospitalization Cover

Covered in case of accidents only

 Card Holder 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 - Card Holder + 2 Parents (Father & Mother) 2. Married Cardholder + (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 - Card Holder + 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 Up to INR 1,00,000 for CDL/DPL/TW
Up to 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

 Car 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

 Card Holder + 5 family members 4 times a year
Tele Consultation Doctor Services

(General Practioner)

 Family of 4 1 Year (Unlimited)

*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

Benefit Covered Coverage Benefit Type of Loan Availed
CDL DPL TWL Car Loan CVL Tractor Loan RELPL
Accidental Death Benefit
Common Sum Insured for Accidental Death Benefit, Permanent Total Disability (PTD) and Permanent Partial Disability (PPD) 		Card Holder 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 		Card Holder only Principal o/s + Interest OR
Rs. 2 lacs whichever is lower
In-patient Hospitalization Cover
Covered in case of accidents only 		Card Holder 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 Card Holder + 2 Parents (Father & Mother)
2. Married Cardholder + (Spouse + 2 Children)		 INR 1,000 per day for 10 days for CDL/ DPL
INR 2,000 per day for 10 days for TWL/Car/CVL/TRL
INR 4,000 per day for 10 days for RELPL
Income Protection Cover
One time fixed benefit payable on detection of Air borne diseases, *Vector borne diseases or Broken bones only 		1. Unmarried - Card Holder + 2 Parents (Father & Mother)
2. Married Cardholder + (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
Up to INR 2,00,000 for TWL
EMI PROTECT
Valid only in case of continuous hospitalisation 		Card Holder only 3 years Upto 3 EMI INR 5,000 for CD/DPL/TWL/RELPL, 3 years Upto 3 EMI INR 20,000 for Car and 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/Card holder only 1 year Warranty only on CD & Laptop
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/Card holder 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 		Car 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 		Card Holder + 5 family members 4 times a year
Tele Consultation Doctor Services
(General Practioner) 		Family of 4 1 Year (Unlimited)

*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

Benefit Covered Coverage Benefit RELPL
Accidental Death Benefit
Common Sum Insured for Accidental Death Benefit, Permanent Total Disability (PTD) and Permanent Partial Disability (PPD) 		Card Holder Only INR 10,00,000
Natural Death Benefit
Sum insured to the extent of the outstanding loan balance of the customer 		Card Holder only Upto INR 2,00,000
In-Patient Hospitalization Cover
Covered in case of accidents only 		Card Holder 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 - Card Holder + 2 Parents (Father & Mother)
2. Married Cardholder + (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 - Card Holder + 2 Parents (Father & Mother)
2. Married Cardholder + (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

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 - Card Holder + 2 Parents (Father & Mother)
2. Married Cardholder + (Spouse + 2 Children)		 ₹ 40,000 (On detection)
In-Patient Hospitalization Cover
Covered in case of accidents only 		Card Holder only ₹ 1,00,000
EMI PROTECT
Valid only in case of continuous hospitalisation 		To HDBFS Up to ₹ 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 - Card Holder + 2 Parents (Father & Mother)
2. Married Cardholder + (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 - Card Holder + 2 Parents (Father & Mother)
2. Married Cardholder + (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 - Card Holder + 2 Parents (Father & Mother)
2. Married Cardholder + (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

AabharGold Coverage Benefit Gold Loan
Accidental Death Benefit
Common Sum Insured for Accidental Death Benefit, Permanent Total Disability (PTD) and Permanent Partial Disability (PPD) 		Card Holder Only INR 5,00,000
In-Patient Hospitalization Cover
Covered in case of accidents only 		Card Holder 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 - Card Holder + 2 Parents (Father & Mother)
2. Married Cardholder + (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 - Card Holder + 2 Parents (Father & Mother)
Married Cardholder + (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

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

Please Click here for terms and conditions of Acko General Insurance.

Please Click here for terms and conditions of HDFC Life.

Please Click here for terms and conditions of Health Assure.

Please Click here for RSA terms and conditions.

Please Click here for terms and conditions of Aabhar Personal Protect.