Platinum Debit Card

What's in store for you

More benefits than ever before

Safety Benefits

  • Encryption technology secures the chip card against fraudulent activities.

Banking Benefits

  • Be assured of zero liability in case of card loss/ theft.

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Additional Benefits

Know more about the card

Cashback points Terms and Conditions

A premium HDFC Bank Debit Card designed for high-end customers. Enjoy seamless shopping, save more with exclusive discounts, earn higher Cashback Points, and go cashless with ease.

  • 5% discount on Swiggy up to 150 cashback points per calendar month. Click here to know the T&C.
  • 25% discount on tickets booked through BookMyShow up to 250 cashback points per calendar month. Click here to know the T&C.
  • 5 cashback points on International spends above Rs 200/- Maximum capping upto 350 cashback points per calendar month. Click here to know the T&C.

Terms & Conditions:

  • Cashback points are only available for the above specified categories
  • Above offer is valid on E com / POS / Contactless transactions only
  • Customer can view the cashback points in NetBanking within 2 working days from the date of transaction. However, in case of a technical glitch, the cashback will be credited by 30th of the subsequent month
  • In case transaction is returned / cancelled / reversed, Cashback points posted against the transaction will be reversed.
  • Redeem points easily through Net Banking or Mobile Banking.
  • Minimum redemption: 250 points. No maximum limit, based on available points.
  • Product feature Cashback points will be available for redemption for 12 months, post which the Cashback points will lapse.
  • Promotional Cashback Points, if any, will expire in 3 months.
  • Customer is not eligible for redemption of Cashback points on account closure.
  • Cashback points in the existing Debit Card variant will not be transferred if a card is upgraded to a new Debit Card variant.
  • Cashback posting will be done at account level for eg. A joint account has 2 card holders, cashback for all eligible transactions on both the cards will be capped at 750 points per month.

How to Redeem?

Through NetBanking
Login >> Pay >> Cards >> Debit Cards >> Debit Cards Summary >> Actions >> Redeem Reward Points.

CashBack Redemption Process

Card Management & Controls

Single Interface 

  • A unified platform allows you to manage multiple banking and financial products at your fingertips.  

Spends Tracking 

  • Simple interface to track your account activity in real time.  

Reward Points 

  • View and redeem points at the push of a button
CashBack Redemption Process

Eligibility & Documentation

  • Both Residents and NREs can apply for the Platinum Debit Card.

Resident Indians should hold one of the following:

  • Savings Account
  • Current Account
  • Salary Account
  • No additional documents are required for issuing the Platinum Debit Card to existing HDFC Bank account holders. When the card expires, a new card is automatically sent to the registered address.  

Upgrade your card

  • Now upgrade to HDFC Bank Platinum Debit Card in a Fast and Convenient way through NetBanking in 3 simple steps:
  • Login to NetBanking, click on "Cards Tab" and select "Debit Card Upgrade" under the Debit Card request section.
  • Select - existing Debit Card number
  • Select and confirm - existing Debit Card number
  • Issuance of the new upgraded Debit Card is subject to successful processing of the request as per customer eligibility. The upgraded Debit Card will be delivered to mailing address on record within Next 5 Working Days (for Metro Locations). To know your location specific delivery time, please click here.
  • Your existing Debit Card will get deactivated within 3 working days of receipt of your new upgraded Debit Card. (Incase your new Debit Card is sent to Branch, the existing Debit Card shall be de-activated after 15 days from date of despatch of the new Debit Card)
CashBack Redemption Process

Fees & Charges

  • Annual fees: ₹850 + taxes

  • Click here for more details

Reward Point Limit

Card Control via MyCards

  • MyCards, a mobile-based service platform for all Debit Card needs, facilitates convenient activation and management of your Platinum Debit Card on the go. It ensures a seamless experience without the need for passwords or downloads.  
  • Debit Card Registration & Activation  
  • Set up Card PIN  
  • Manage Card Controls like Online Spends, Contactless Transactions, etc.  
  • View Transactions / Download e-Statements  
  • Check Reward Points  
  • Block/ Re-Issue Card  
  • Apply for an Add-on Card, Manage, Set PIN and Card Controls for Add-on card  
  • Please login to NetBanking to change (Increase or decrease) the limit* on your Debit Card to suit your needs. Please note the limits can be increased up to the Permissible limits on your Debit Card. *For Security reasons, ATM cash withdrawal limit is capped at ₹0.5 lakh per day and ₹10 lakh per month for first 6 months from Account opening date.  
  • For accounts older than 6 months, ATM cash withdrawal limit is capped at ₹ 2 lakh per day and ₹ 10 lakh per month. This is implemented with immediate effect.  
    In case your Debit Card is enabled for ATM and POS usage but still you are facing issues while doing transactions, please click here for FAQs.
Reward Point Validity

Added Delights

International card 

 

  • Travel with confidence and ease with this globally-accepted card 

 

Safety 

  • Stay protected against unauthorised use with the EMV Chip Card technology in your card 
  • Be assured of zero liability on lost card after reporting the loss 

High spending limit 

  • Withdraw up to ₹100,000 a day at ATMs and spend up to ₹5 lakhs at merchant establishments 
  • Cash withdrawal facility can now be availed across merchant establishments with a maximum upper limit of ₹2,000/transaction on your HDFC Bank Debit Cards, maximum Cash at POS limit per month is of ₹10,000/- 

Debit Card EMI Benefit

  • Avail zero-cost EMI on top brands for electronics, furniture, apparel, smartphones, and more with the Platinum Debit Card.
  • Convert purchases above ₹5,000 into convenient EMIs.
  • SMS "MYHDFC" to 5676712 from your registered mobile number to check your pre-approved limit.
  • Visit hdfcbank.com/easyemi for detailed terms and conditions

Fuel Surcharge Reversal

Effective 1st January 2018, Fuel Surcharge would not be applicable for the transactions done on HDFC Bank swipe machines on government petrol outlets (HPCL/IOCL/BPCL).

Contactless Payment

Contactless Payment 

  • Platinum Debit Card is enabled* for Contactless Payments at retail outlets.  The HDFC Bank Debit Card is enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets. 
  • *To see if your Card is contactless, look for the contactless network symbol on your Card. You can use your Card to make quick transactions at merchant locations accepting contactless Cards. 
  • Information on Contactless Debit Card - Click Here 
  • Please note that in India, payment through contactless mode is allowed for a maximum of ₹5,000 for a single transaction where you are not asked to input your Debit Card PIN. However, if the amount is higher than or equal to ₹5,000, the Card holder has to enter the Debit Card PIN for security reasons. 
  • Kindly note, effective 1 June 2015, Movida service will be discontinued for HDFC Bank Debit Cards. 
  • Please Note - In case purchase/ transaction is returned/ cancelled/ reversed, CashBack points toward posted towards transactions will be reversed.  

Important Note: 

  • *NRO Debit Card will continue to be enabled only for domestic usage as per regulatory mandate. 
  • Contactless per day limit is of transaction ₹5,000
Zero Cost Card Liability

Most Important Terms and Conditions

  • *The Most Important Terms and Conditions for each of our banking offerings features all the specific terms and conditions that govern their use. You must go through it thoroughly to fully understand the terms and conditions applicable to any banking product you choose. 
Card Management and Control

Frequently Asked Questions

The Platinum Debit Card offers a myriad of benefits, including no fuel surcharge, no-cost EMI, CashBack points for PoS transactions, extensive insurance coverage for a worry-free travel experience, and much more. Additionally, users can enjoy a cash withdrawal facility at merchant establishments.

You can log in to NetBanking and navigate to the 'Cards' section, specifically the 'Debit Cards Summary.' From there, by selecting 'Actions,' you can redeem your RP. Additionally, an alternative method is through PhoneBanking, where users can call the designated number, providing their Customer ID and TIN or Debit Card and PIN for verification.

The Platinum Debit Card is available for both residents and Non-Resident Indians (NRIs). Resident Indians are eligible if they hold accounts such as a Savings Account, Current Account, Supersaver Account, Loan Against Shares Account (LAS), or a Salary Account with HDFC Bank. The eligibility extends to NRIs as well, making this versatile Debit Card accessible to a wider audience.

The HDFC Bank's Platinum Debit Card is a versatile and feature-rich option that caters to the diverse needs of cardholders. Besides standard debit card functions, this card provides enhanced benefits, like higher debit card daily withdrawal limits, airport lounge access, and CashBack on different spending categories. Further, it offers a no-cost EMI feature to ease payments on significant purchases.

To make the most of your Platinum Debit Card:

  • Utilise the capped withdrawal limit wisely in the initial six months.

  • Leverage the cash withdrawal facility at merchant establishments.

  • Take advantage of airport lounge access on spending ₹5,000 or above in the previous calendar quarter.

  • Adjust limits through NetBanking.

  • Use the card for purchase transactions to accumulate CashBack points and redeem them via NetBanking.

  • Stay informed about fuel surcharge reversals and other exclusive benefits to optimise usage.

  • Be mindful of the 12-month validity of these points.

Just fax us a copy of the void transaction slip. You can also send it to or submit the same at your nearest HDFC Bank branch. For PhoneBanking numbers Click Here.

Just look for the Visa logo when shopping. If you'd like to use an ATM, it should have the Visa or PLUS logo. And remember, you can use your Platinum Debit Card at all HDFC Bank ATMs just like a normal card.

Depending on the balance in your account, it is possible to withdraw up to ₹1 lakh at the ATM daily and spend ₹2.75 lakh daily. These limits have been set for your card security.

Another excellent benefit of the Platinum Debit card is that there are absolutely no transaction charges to bear when shopping at a merchant location.

You can use your card charge-free at all HDFC Bank ATMs but remember to check the associated fees when using other bank ATMs. Please also remember that charges will be levied at Railway stations. This is as per industry practice.

The annual charges for Platinum Debit Card are ₹750

Click here to read more FAQS.