Key Highlights of HDFC Bank Platinum Debit Card |
|
| Annual/Renewal Fee | Rs. 850 + applicable taxes |
| Card Replacement Charges | Rs. 200 + applicable taxes |
| Daily Shopping Limit | Rs. 5 Lakh |
| Daily ATM Withdrawal Limit | Rs. 1 Lakh |
| Best Features | 5% discount on Swiggy 25% discount on BookMyShow |
| Other Benefits | Rewards on international spends Lounge access Golf rounds and lessons Complimentary concierge service |
Features & Benefits of HDFC Bank Platinum Debit Card
Designed with premium benefits for the high-end customers, HDFC Platinum Debit Card comes with the following features and benefits:
Cashback Benefits:
- 5% discount on Swiggy – capped at up to 150 cashback points per month.
- 25% discount on BookMyShow – capped at up to 250 cashback points per month.
- 5 cashback points on international spends above Rs. 200 – capped at up to 350 cashback points per month.
- Up to 5% cashback on transactions done through SmartBuy
Lounge Access: 2 complimentary airport lounge visits in a quarter (8 per year), subject to spends of Rs. 5,000 in the previous quarter.
Golf: 4 rounds per year (max 1 per month) and 12 golf lessons per year (1 per month). Plus, discounted golf services at 50% of the green fee.
Concierge: The card offers complimentary concierge services around travel and lifestyle.
Insurance Covers: The card offers some complimentary insurance covers as follows:
| Death Cover by Air / Road / Rail | Sum Insured up to Rs. 15 Lakh |
| International Air Coverage | Flat Rs. 3 Crore |
| Fire & Burglary Cover* | Sum assured of Rs. 2 Lakh |
| Loss of checked baggage | Sum assured of Rs. 2 Lakh |
*Offered on items purchased using Platinum Debit Card.
HDFC Platinum Debit Card: Fees & Charges
| Fee Type | Amount |
| Annual/Renewal fee | Rs. 850 + applicable taxes |
| Card replacement charges | Rs. 200 + applicable taxes |
| Instant PIN generation | Free |
| Foreign currency markup fee | 3.5% |
| Decline charges for insufficient balance (for non-HDFC ATMs) |
Rs. 25+ applicable taxes |
| Withdrawal charges (beyond prescribed free limits) | Rs. 23 |
Eligibility: Who can apply for HDFC Platinum Debit Card?
HDFC Platinum debit card can be availed by both NREs and Indian residents with:
- Savings Account
- Current Account
- Salary Account
HDFC Platinum debit card is usually offered on opening the Savings Max Account with HDFC Bank. Regular savings account holders can also apply for an upgrade from their existing debit cards.
HDFC Platinum Debit Card: FAQs
Q. Is airport lounge access free on HDFC Platinum debit card?
No, the lounge access benefit on HDFC Platinum debit card is not free. Complimentary domestic airport lounge access is subject to spends of minimum Rs. 5,000 in the previous quarter.
Q. What are the annual charges of HDFC Platinum debit card?
The annual/renewal fee on HDFC Platinum debit card is Rs. 850 + applicable taxes.
Q. What is the cash withdrawal limit on HDFC Platinum Debit Card?
HDFC Platinum debit card comes with a daily cash withdrawal limit of Rs. 1 Lakh, combined for both domestic and international withdrawals.
Q. Can I avail debit card EMI with HDFC Platinum Credit Card?
With your HDFC Platinum debit card you can avail no-cost EMIs on purchases above Rs. 5,000. To check your eligibility for the same, SMS “MYHDFC” to 5676712 from you registered mobile number with HDFC Bank.