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HDFC Bank Platinum debit card offers premium benefits to suit the lifestyle of high-end customers. It offers discounts on everyday brands like Swiggy and BookMyShow and offers cashback points on international spends. Additionally, cardholders can avail lounge access, insurance benefits, and higher shopping and ATM withdrawal limits. Read on to know more about the HDFC Bank Platinum Debit Card—fees & charges, eligibility, features & benefits.
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Highlights of HDFC Bank Platinum Debit Card (Dec 2025) |
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| Daily Shopping Limits | Rs. 5 Lakh (Domestic & International Combined) |
| Daily ATM Withdrawal Limit | Rs. 1 Lakh (Domestic & International Combined) |
| POS Limit per month | Rs. 10,000 |
| Best Features |
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| Additional Benefits |
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Note: All the above-mentioned HDFC Bank’s debit cards details are updated as of November 2025.
Designed with premium benefits for the high-end customers, HDFC Bank Platinum Debit Card comes with the following features and benefits:
Cashback Benefits:
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 24×7 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.
| 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% + applicable taxes |
| Decline charges for insufficient balance (for non-HDFC ATMs) |
Rs. 25+ applicable taxes |
| Withdrawal charges (beyond prescribed free limits) | Rs. 23 |
Note: Fees and Charges are updated as of November 2025.
HDFC bank Platinum debit card can be availed by both NREs and Indian residents with:
HDFC Bank 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.
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 calendar quarter.
The annual/renewal fee on HDFC Platinum debit card is Rs. 850 + applicable taxes.
HDFC Platinum debit card comes with a daily cash withdrawal limit of Rs. 1 Lakh, combined for both domestic and international withdrawals.
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.