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: ₹200 + taxes

Replacement / Reissuance charges: ₹ 200 + applicable taxes *W.e.f. 1 Dec 2016

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

Exclusive Offers on RuPay Platinum Debit Card

• Amazon Pay Offer: Get 20% instant discount (Max INR 100 per card per month) on Recharge/Bill payment on Amazon.in on a minimum order value of Rs 129 using RuPay Platinum Debit Card. The offer shall be valid only on Fridays of the calendar month. The Offer is valid from 1st April ’24 to 31st March ’25. 

• Swiggy Offer: Get 20% instant discount (Max INR 100 per card per month) on Swiggy on a minimum order value of Rs 129 using RuPay Platinum Debit Card. The offer shall be valid only on Fridays of the calendar month. The Offer is valid from 1st April ’24 to 31st July ’24.

Click here to know more about the card offers.

Higher Debit Card Limits with Card Controls

• 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/-

Dynamic Limits

• 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.

Airport Lounge access

• With effect from July 1, 2024, RuPay Platinum cardholders will get access to :   
  - 1 lounge per quarter per card on the empanelled Domestic Airport / Railway Lounges  
  - 2 lounges per annum on the empanelled international airport lounges  
  ​​​​​​​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

• The concierge service will be available 24/7 across India on a best-effort basis, offering various assistance services.

• Services include gift delivery, flower delivery, restaurant referrals, courier assistance, car rentals, golf reservations, movie ticket sourcing, IT return assistance, investment consultancy, and insurance consultancy.

• RuPay Platinum Debit Card holders can access the concierge service in English or Hindi by calling the toll-free number 1800-26-78729, with most services available on a chargeable basis as communicated by the service provider.

• You are entitled to a Comprehensive Insurance Cover up to ₹2 lakh 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?

• Claims Process for RuPay Platinum 

• FAQ on Rupay Insurance 

• Application form 

• Declaration

• 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. 

MyCards, a mobile-based service platform for all Debit Card needs, facilitates convenient activation and management of your RuPay 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 

• 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.