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HDFC Bank Platinum Debit Card

Home Debit Card HDFC Debit Card HDFC Platinum Debit Card

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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Updated: 18-12-2025 05:51:15 AM

HDFC Bank Platinum Debit Card (Dec 2025)
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
  • 5 cashback point on international spends of Rs. 200
  • 2 complimentary domestic lounge access per calendar quarter
  • 25% discount on tickets booked through BookMyShow.com
  • 5% discount on Swiggy up to 150 cashback points per calendar month
Additional Benefits
  • Rewards on International spends
  • Complimentary Domestic Lounge access
  • Complimentary Golf rounds and lessons
  • 24×7 Concierge Service
  • Fuel Surcharge Reversal

Note: All the above-mentioned HDFC Bank’s debit cards details are updated as of December 2025.

Features & Benefits of HDFC Bank Platinum Debit Card
HDFC Bank Platinum Debit Card: Fees & Charges
Eligibility: Who can apply for HDFC Bank Platinum Debit Card?
HDFC Bank Platinum Debit Card: FAQs

Features & Benefits of HDFC Bank Platinum Debit Card

Designed with premium benefits for the high-end customers, HDFC Bank 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 & PayZapp

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.

HDFC Bank 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% + 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 December 2025.

Eligibility: Who can apply for HDFC Bank Platinum Debit Card?

HDFC bank Platinum debit card can be availed by both NREs and Indian residents with:

  • Savings Account
  • Current Account
  • Salary Account

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.

HDFC Bank Platinum Debit Card: FAQs

Q. Is airport lounge access free on HDFC Bank 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 calendar quarter.

Q. What are the annual charges of HDFC Bank 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 Bank 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 Bank 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.

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