Rupay Platinum Debit Card

Both Resident and Non-Resident (External) Account Holders can apply for the RuPay Platinum Debit Card

Resident Indians who hold one of these accounts:

• Both Residents and NREs can apply.

• Resident Indians should hold one of the following:

• Salary Account

• Savings Account

• Current Account

• Do you already have a HDFC Bank Account?
  All you need to do is download the application form, print it, and fill in your details. Then drop it off at your local HDFC Bank branch. We will take care of the rest, and send the card to your mailing address. 

Click here to download the EasyShop application form​​​​​​​

• Don't have a HDFC Bank Account?
  Download the Account Opening form, print it, and enter your information. This form will include the International Debit Card application - there's no need to fill two forms. Take the submission to your closest HDFC Bank branch and we'll complete the process.

Click here to download the New Account form 

Annual fees: ₹300 + taxes

Replacement / Reissuance charges: ₹ 240 + applicable taxes *W.e.f. 1st May 2026

ATM Pin Generation: NIL

Usage charges:

• Railway Stations: ₹ 30 per ticket + 1.8% of the transaction amount

• IRCTC: 1.8% of the transaction amount

READ DETAILED FEES & CHARGES

Key Fact Sheet

Airport Lounge access

• Effective 1st April 2026, Complimentary Lounge Feature on RuPay Platinum Debit Cards will be discontinued.
• With effect from April 1, 2025, Rupay Platinum cardholders will get access to: -1 Domestic airport lounge access per calendar year per card & 1 International airport lounge access per calendar year. To view the list of eligible lounges, click RuPay Lounges
• A nominal transaction fee of ₹ 2 per access will be charged to the card.
• Customer will need to enter valid PIN to complete the transaction.
• Access at the lounge would be given upon successful authorization of the RuPay Platinum Debit Card on the electronic terminals placed at the lounges
• The program can be modified, amended, changed or revoked anytime by RuPay without prior intimation.
• The access to lounge will be available on first come first serve basis

• 2 Complimentary Domestic Lounge Access per annum (1 Lounge access every 6-months)
  
  Effective 20th April 2026, RuPay Platinum Debit Cardholders will be eligible for a complimentary access to airport lounge only if:
  1. They have spent a minimum of Rs 20,000 or more in a half yearly cycle (i.e. April - Sep | October - March)
  2. Lounge access will be voucher based instead of card dip/swipe at the airport lounge
  3. Click Here for list of empaneled lounges & detailed information on the process
  Note : Between 1st April'26 to 19th April'26 , in case customer wants to use the lounge- the access would need to be paid for by the customer.

• Concierge service will be available as a 24x7 service across India on best-effort basis.

• Services offered under the concierge service are detailed as under:

  • Gift Delivery Assistance

  • Flower Delivery Assistance

  • Restaurant Referral and Arrangement

  • Courier Service Assistance

  • Car Rental and Limousine Referral and Reservation Assistance

  • Golf Reservations

  • Movie ticket sourcing Assistance

  • Car Rental and Sight Seeing Assistance

  • IT Return Assessment and filling assistance

  • Investment Consultancy

  • Insurance Consultancy

• RuPay Platinum Debit Card Concierge service can be availed in English or Hindi by calling toll free number - 1800-26-78729. Most of the services will be on a chargeable basis as communicated by the service provider

The following are included in the insurance covers: 

• You are entitled to a Comprehensive Insurance Cover up to ₹2 lakhs from NPCI, which includes insurance against accidental injuries caused by all kind of Personal Accidents, Accidental Death and Permanent Total Disability. For updated details on the Comprehensive Insurance Cover,  click here.  

• The claim shall be payable only if the cardholder has carried at least one transaction (POS / E-com / Standing Instruction) in every 30 days using RuPay Debit Card to keep the Insurance cover active. 

• In the event the Insured Person(s) having multiple Cards issued by the Insured named in the Schedule, the Insurance Policy shall be applicable only for the Card, which has the highest Sum Insured / limit of Indemnity 

Kindly check below mentioned documents for detailed information on claims:

• Claim Process Document – Annexure [A] 

• FAQs on RuPay Insurance – Annexure [B] 

• Claim Form – Annexure [C] 

• Bank Declaration Form – Annexure [D]

• The HDFC Bank RuPay Platinum 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. For 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. 

• 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 / 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

• Fuel Surcharge: 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 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 fully to 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.
• Check here for Debit/ATM Card Terms and Conditions.