Top-ups or reloads can be carried out in 2 ways a) You can authorize the Bank to debit your account by giving an HDFC Bank cheque, cash or a local cheque drawn on HDFC Bank to reload the Card. b) The Card can also be reloaded by another person, authorized by you to reload your Card. The authorized person will need to visit the HDFC Bank branch with the money and will need to provide the necessary documents to the bank. On receipt of the application form and the funds, your Card will be reloaded with the desired amount.