Rupay Platinum Debit Card

• 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
• For the consolidated list of fees and charges, click here.

• Daily Domestic ATM withdrawal limits: ₹ 25,000 
• Daily Domestic Shopping limits: ₹ 2.75 lacs 
• 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/-

• 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 Lakhs per day and ₹ 10 Lakhs per month for first 6 months from Account opening date. For accounts older than 6 months, ATM cash withdrawal limit is capped at ₹ 2 Lakhs per day and ₹ 10 Lakhs 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.

• 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

• 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 

How to claim Rupay Card Insurance, please click here to see all details of Rupay insurance claim.

• Claims Process for RuPay Platinum
• FAQ on Rupay Insurance 
• Application Form 
• Declaration

• 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 has to enter the Debit Card PIN for security reasons.

• 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).

• Enjoy no cost EMI on leading brands on electronics, furniture, apparels, smart phones and much more 
• Convert any purchases above Rs 5000/- into EMI 
• To check pre - approved eligible amount on your Debit Card 
• SMS "MYHDFC" to 5676712 from your Bank Registered mobile number For detailed offers & T&C's please visit: hdfc.bank.in/easyemi

• 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
• FAQs