Platinum Debit Card

• As per RBI guidelines RBI/2019-2020/142 DPSS.CO.PD No. 1343/02.14.003/2019-20 dated 15th January 2020, all Debit Cards issued effective 1st Oct' 2020, are or will be enabled only for Domestic usage (PoS & ATM) and disabled for Domestic (E-commerce & contactless) and International usage. This is to improve user convenience and increase the security of card transactions. 

• You can enable or modify Domestic & International transactions limits on ATM / PoS / E-commerce / Contactless please visit MyCards / PayZapp / NetBanking / Mobile Banking / WhatsApp Banking-70-700-222-22 / Ask Eva / Call Toll-free Number 1800 1600 / 1800 2600 (from 8 am to 8 pm) Customers travelling overseas can reach us at 022-61606160.

• 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 upon using your upgraded card or within 90 days whichever is earlier.

• Annual fees: ₹850 + taxes
• Click here for more details
• Terms and Conditions
• Key Fact Sheet

• 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  
• 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.

Golf Offer on HDFC Platinum Debit Card Features:

• 4 complimentary rounds of green fees per calendar year (not more than 1 round in a single calendar month) 
• 12 complimentary golf lessons per calendar year (1 lesson per calendar month)
• Discounted golf services at 50% of the green fee beyond complimentary sessions. Click here to know more

Airport Lounge Benefits

• Get 2 complimentary lounge visits per calendar quarter at select airports across India.
• Effective 10th January 2026, you will get complimentary lounge benefit only if you spend ₹ 10,000 or more in calendar quarter. For more information click here

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

• Effective 1st January 2018, Fuel Surcharge would not be applicable for the transactions done on HDFC Bank swipe machines.

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).

• 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 ₹ 5000 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 ₹ 5000, the Card holder must enter the Debit Card PIN for security reasons.

• *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. 
• Important information: Your Card Member Agreement, Most Important Terms & Conditions and Other Important documents pertaining to your Debit Card can be accessed digitally. Click here.

Features:

• 4 complimentary rounds of green fees per calendar year (not more than 1 round in a single calendar month)
• 12 complimentary golf lessons per calendar year (1 lesson per calendar month)
• Discounted golf services at 50% of the green fee beyond complimentary sessions   
• How To Register: For Visa Cardholders – To register for a golf game/ lesson card holder to login on (click here for Visa Golf Booking Journey and FAQ’s)   
• For Any Service Related Issues: For Visa Cardholders  - For any queries under this golf program, you may write to the support email customer.care@thriwe.com or call us on 1800 208 7899.

Terms & Conditions: 

• This Program offering is applicable to eligible cardholders i.e. HDFC Bank Platinum MasterCard World Debit and HDFC Bank Platinum Visa Signature Debit Cardholders who have done a spend of Rs. 10,000 and above using their Debit Card in the previous quarter.
• Spend criteria for availing complimentary Golf Benefit - The customer is entitled for Complimentary Golf Program on quarterly spends of ₹ 10,000 and above in previous calendar quarter on Platinum Debit Card. - Example: If you spend a minimum of Rs 10,000 from Jan 2025 – Mar 2025, you can enjoy complimentary Golf Game / Lesson from Apr 2025 to June 2025 and so on. - Spend based criteria is not a pre-requisite within 90 days of card issuance - Example: If the Debit card is issued in Jan’25 then the customer can avail complimentary Games and Lessons in the first quarter without meeting the spends condition for the quarter Apr’25-June’25 subject to the eligibility.
• HDFC Bank is not responsible in any way for the quality and availability of the service provided by the partner golf courses.
• HDFC Bank is not responsible for or liable for any action, claims, demands, losses, damages, cost, charges, and expenses which the client may suffer, sustain or incur including but not limited to changes or cancellations of the services provided under this program

For Visa Cardholders 

• Complimentary / Discounted Golf Program is being provided to Visa Card Holders and in no-way should be interpreted as a complimentary / discounted from the respective Golf / Service Provider  
• This facility / benefit is offered to Visa card holders through “Thriwe Consulting Pvt Ltd”  
• Complimentary / Discounted Golf is subject to availability of slots with Partner Golf Course Facilities.  
• Only the Green Fees booked in advance by the cardholder is complimentary / Discounted. The Card member needs to pay for any additional service availed during the round as charges may be. 
• Golf booking must be made 5 clear days in advance from the date of play. 
• No cancellation or re-scheduling requests will be considered within 3 clear days from the date of play.
• All bookings on Public Holidays would be charged as per the weekend rate
• Access to the partner golf course facilities is only limited to the services mentioned in the program and the card members participating in this programme or their guests may not have access to the other facilities such as restaurant, swimming pool, gymnasium etc.
• Golf Program is completely non-transferrable hence benefit will be available only to the cardholders.  
• The golf courses listed as part of this programmed are subject to change.

Cancellation Policy

• If cancellation would be done within 3 clear days from the date of play the card member would be fully charged and the amount would not be refunded. 
• Please visit  for complete details and terms and conditions