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RuPay Platinum Debit Card

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RuPay debit cards are offered in three variants - Classic, Platinum and Select, and offer varying degrees of benefits to the cardholders. The RuPay Platinum debit card variant goes beyond the basic transaction capabilities and offers exclusive benefits in addition to the convenience of making payments across the world. Similar to credit cards, these RuPay debit cards also provide a variety of services and benefits, like complimentary airport lounge access, insurance coverage for personal accident and purchase protection, and concierge services, along with offers on various merchant categories to make everyday spends more rewarding.

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Updated: 20-05-2025 11:33:30 AM

Best RuPay Platinum Debit Cards in India

Here are some of the top RuPay Platinum debit cards offered by the leading banks in India, along with the maximum cash and transactions limits as per the card variants:

RuPay Platinum Debit Card Daily Cash Withdrawal Limit* Daily Purchase Limit*
Axis RuPay Platinum Debit Card Rs. 40,000 Rs. 2 lakh
SBI RuPay Platinum International Debit Card Rs. 1 lakh Rs. 2 lakh
BoB RuPay Platinum Debit Card Rs. 50,000 Rs. 1 lakh
PNB RuPay Platinum Solitaire Debit Card Rs. 50,000 Rs. 1.5 lakh
Canara Bank RuPay Platinum Debit Card Rs. 1 lakh Rs. 5 lakh
IDFC RuPay Platinum Debit Card Rs. 50,000 Rs. 1 lakh
HDFC RuPay Platinum Debit Card Rs. 25,000 Rs. 2.75 lakh
Bank of India RuPay Platinum Debit Card Rs. 50,000 Rs. 1 lakh

*Subject to the balance available in the account

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The detailed features, benefits and annual charges of the above-mentioned best RuPay Platinum debit cards are as follows:

1. Axis Bank RuPay Platinum Debit Card

Annual Fee: Rs. 200 + applicable taxes (waived for Axis Republic main account holders)

Key Features:

  • 15% off, up to Rs. 500, on dining through EazyDiner under Axis Bank Dining Delights program, once per month
  • 1 complimentary domestic airport lounge access per quarter, on spending a min. of Rs. 5,000 in the previous 3 months
  • Insurance cover for personal accident of up to Rs. 2 lakh
  • Air accident cover of up to Rs. 1 crore
  • Price and purchase protection covers of up to Rs. 50,000 each
  • Insurance of up to 500 USD for loss or delay of check-in baggage

Suggested Read: Best Axis Bank Credit Cards

2. SBI RuPay Platinum International Debit Card

Annual Fee: Rs. 250 + applicable taxes

Key Features & Benefits:

  • 2X reward points on spends made internationally and in the birthday month
  • 2 reward points on every Rs. 200 spent
  • Additional reward points on Loyalty program partner brands
  • Up to 300 reward points on making 3 spends within 2 months of card issuance with min. transaction of Rs. 2,000
  • 1,000 reward points on every Rs. 1 lakh spent in a year
  • Complimentary airport lounge access

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3. Bank of Baroda RuPay Platinum Debit Card

Annual Fee: Rs. 300 + applicable taxes

Key Features & Benefits:

  • 1 complimentary visit to domestic airport lounges per year
  • 1 complimentary visit to international airport lounges per year
  • Personal accident insurance of up to Rs. 2 lakh for accidental death or permanent total disability
  • RuPay network offers from partner merchants

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4. PNB RuPay Platinum Solitaire International Debit Card

Annual Fee: Rs. 650 + applicable taxes (Card only for women saving account holders with Rs. 50,000 monthly avg. balance)

Key Features & Benefits:

  • 2 complimentary domestic airport lounge access per year
  • Gaana and Hotstar/ SonyLiv/ ZEE5 annual subscriptions
  • 3 months Swiggy One membership, once a year
  • Vouchers worth Rs. 250 from Blinkit, Rs. 500 from Myntra and Rs. 500 from Nykaa, once per quarter each
  • Rs. 500 Tata CLiQ voucher, once per year
  • 20% off on medicine on Netmeds on min. order of Rs. 999, once per year
  • Rs. 250 off on booking min. 2 tickets on BookMyShow, once per quarter
  • 1 complimentary spa session at The four fountain/ Aroma Thai/ O2/ Kairali Ayurvedic spa, once per year
  • 3 months online cult.fit home workout, once per year
  • Mammogram at SRL Diagnostics, once per year
  • 24X7 concierge service with personal assistance
  • Personal accident cover of up to Rs. 2 lakh for accidental death or permanent total disability

Also Read: Best Credit Cards for Online Shopping

5. Canara Bank RuPay Platinum Debit Card

Annual Fee: Rs. 500 + applicable taxes

Key Features and Benefits:

  • 1 point on every Rs. 200 spent
  • Complimentary airport lounge access
  • Air (or other) accident cover for self and spouse
  • Insurance cover for baggage, purchase protection and against card misuse while buying air tickets
  • 24X7 concierge services for referrals and reservations

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6. IDFC FIRST RuPay Platinum Debit Card

Annual Fee: Nil

Key Features & Benefits:

  • 1 complimentary access every 6 months to partner airport lounges in India
  • 24X7 concierge service
  • Personal accident insurance cover of Rs. 2 lakh
  • Lost card liability cover of Rs. 2 lakh

Also Read: Best Travel Credit Cards in India

7. HDFC Bank RuPay Platinum Debit Card

Annual Fee: Rs. 200 + applicable taxes

Key Features & Benefits:

  • 1 complimentary domestic airport lounge access per year
  • 1 complimentary international airport lounge access per year
  • 24X7 concierge service
  • Insurance cover of up to Rs. 2 lakh from NPCI for injuries caused by personal accidents, accidental death and permanent total disability

Suggested Read: Best HDFC Bank Credit Cards

8. Bank of India RuPay Platinum Debit Card

Annual Fee: Rs. 250 + applicable taxes

Key Features & Benefits:

  • 1 complimentary access to domestic airport/railway lounge per year
  • 1 complimentary visit to international airport lounge every year
  • Accidental death and permanent total disability insurance of Rs. 2 lakh

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Frequently Asked Questions (FAQs)

Frequently Asked Questions (FAQs)

Q. What is the use of RuPay Platinum debit cards?
A. You can use your RuPay Platinum debit cards to withdraw funds from ATM and to shop or make payments online or at the POS. You can also use these RuPay debit cards to make purchases on EMI.

Q. Can I use RuPay Platinum debit cards to make international payments?
A. Yes, all RuPay Global cards can be used to make international transactions, however the cardholders may have to enable this facility by logging into their account online.

Q. What are the main benefits of a RuPay Platinum debit card?
A. RuPay Platinum debit cards offer you access to high transaction limits for shopping as well as ATM withdrawals and many lifestyle-related benefits. These benefits include complimentary airport lounge access, extensive insurance coverage, concierge services, contactless payments and other exclusive offers, discounts and rewards on various merchant categories.

Q. What are different types of Rupay cards?
A. RuPay debit or credit cards come in 3 variants, i.e. Classic, Platinum and Select. In addition to these, some RuPay debit cards are also associated with certain government schemes.

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