They are just trained to say " please visit your home branch "
Guys its a request, either burn your money but never ever try to deposit in this pathetic bank . they will deduct charges every month then you keep calling call center guys to know the reason but they never able to give any satisfactory answer .
not at all recommended
Last but not the least . hdfc bank cards are not at all safe, I have faced fraud transaction on my card 5 months back, withdrawal of 10000/- from agra where at that time I was in gurgaon