For an Escotel customer, whether prepaid or post paid, the debit card will come virtually free, as the Rs 150 paid towards the cost of the card will be credited back to him as talk time. This will be done by way of first free credit of Rs 100 upon registration and second free credit of Rs 50 on first usage of the debit card at merchant outlets within 31 days of card issuance.

Escotel's CEO Rajan Swaroop made the following remarks about the endeavour. "It has always been our effort to provide our customers with value that goes far beyond the normal benefits of mobile usage. That is why we have entered into this tie-up with HDFC Bank to give our customers a whole range of benefits and value-additions. We are sure the HDFC Bank Escotel Debit Card will find wide acceptance among our customers."

An official release informs that among the exclusive benefits being offered to postpaid customers is the waiver of Rs 532 activation fees along with the waiver of the national roaming rental worth Rs 1,200 for a lifetime. On the other hand, the prepaid customer gets an exclusive offer of credit of Rs 50 worth talk time on his first five recharges.

HDFC bank has also offered to waive off the one per cent processing fee on HDFC Bank personal loans and two per cent on HDFC Bank two-wheeler loans. The initiative also has a social side to it. The two companies will also be donating two rupees to People for Ethical Treatment of Animals' (PETA) compassionate citizen programme against every co-brand card issued in Kerala, states the release.