8 Best Debit Cards in India July 2025
Below listed are some of the best debit cards in India from leading banks for you to explore and find one that suits your needs.
ATM/Debit Cards | Daily ATM Limit | Daily Shopping Limit | Best Feature |
HDFC Easyshop Platinum Debit Card | Rs. 2 Lakh | Rs. 5 Lakh | 1 cashback point on every Rs. 200 |
SBI Platinum International Debit Card | Rs. 1 Lakh | Rs. 2 Lakh | 2 reward points per Rs. 200 |
HDFC Millennia Debit Card | Rs. 50,000 | Rs. 3.5 Lakh | 2.5% cashback points on all online spends |
ICICI Coral Debit Card | Rs. 1 Lakh | Rs. 5 Lakh | 2 reward points on every Rs. 200 |
SBI IOCL Debit Cards | Up to Rs. 40,000 | Up to Rs. 2 Lakh | Up to 6 reward points for every Rs. 200 spent on IOCL outlets |
Kotak 811 debit card |
Rs. 25,000 | Up to Rs. 1 Lakh | Discount and cashback offers on popular brands |
SBI Global International Debit Card |
Up to Rs. 40,000 | Up to Rs. 75,000 | 2 SBI Rewardz Point for every Rs. 200 spent |
Axis Bank Platinum RuPay Debit Card |
Rs. 40,000 | Up to Rs. 2 Lakh | Up to 20% off at partner restaurants |
Note: The daily ATM withdrawal and shopping limit updated as of July 2025.
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How Does a Debit Card Works?
A debit or ATM card works along with your savings or current account. Thus, with every swipe or withdrawal using your debit card, the money is directly deducted from your bank account. Here is how to use a debit/ATM card.
At ATMs: Swipe/Insert your card into the ATM machine> Choose language> Type of your account- Savings/Current >Choose between ‘Cash withdrawal’, ‘Statement’ or ‘Balance Enquiry’ >Enter your 4-digit PIN > Enter the amount > Click on Proceed> Collect Cash
At POS (Point of Sale): Tap (for contactless transactions), swipe or insert your card into the card reader machine >POS operator will enter the transaction amount > Enter four-digit PIN > Click on Enter
Online: At an authentic online portal, enter your debit card number, date of expiry, name of cardholder, and CVV number> Enter the OTP received on your registered mobile number.
Features & Benefits of a Debit/ATM Card
Below listed are some of the key features and benefits of a Debit/ATM card:
- Debit/ATM card is a safe and secure option and is a good alternative for cash because it reduces the risk of fraud, theft, and misuse
- Debit/ATM cards are easy to carry, can be handled easily, and can be conveniently utilized while traveling in comparison to cheque books, or cash
- With a huge number of ATM machines available all around, ATM/Debit cards offer both the ease of instant cash and the provision of merchant transactions at Point of Sale (PoS) terminals
- Debit cards also help in keeping a track of your spending. Regular email and SMS alerts with the details of transactions made through debit card helps in maintaining a record of your expenditures
- Using debit cards ensures that you spend responsibly because the permissible limit of spending depends upon the money in your account. Recorded transactions make the task of maintaining budget and money management much easier
- Using debit cards for purchase is also a rewarding experience because of its features like cashback offers, bonus points, free insurance coverage along with a range of redeeming options for the points accumulated
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