Vishesh Debit Card

What's in store for you

More benefits than ever before

Travel Benefits

  • Travel with ease by accessing the luxurious airport lounge across airports in India. *

  • Effective 10th January 2026, HDFC Bank Debit cardholders will be allowed a complimentary access to airport lounge only if:
    1. They have spent a minimum of Rs 10,000 in a calendar quarter.
    2. On displaying the SMS/ Email carrying the voucher code at the lounge reception.

Banking Benefits

Fuel Benefits

  • Zero Fuel Surcharge on transactions done via HDFC Bank swipe machines at government petrol outlets*

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Additional Benefits

Additional Benefits

Know more about the card

Cashback points Terms and Condition

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
  • 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.

 

pd-smart-emi

Eligibility & Documentation

  • The Preferred Platinum Chip Debit Card will be issued to Preferred Customers only.
  • Both Residents and NRIs can apply.
  • NRIs should hold a Non-Resident Ordinary (NRO) Account.  

Resident Indians should hold one of the following:

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

Fees & Charges

Fees & Renewal

Added Delights

International card 

  • Travel with confidence and ease with this globally accepted card 

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 

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 ₹25000 a day at ATMs and spend up to ₹2.75 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/- 

Maximise Rewards With SmartBuy

Debit Card EMI

  • Enjoy No cost EMI on leading brands on electronics, furniture, apparels, smart phones and much more. 
  • Convert any purchases above ₹5,000 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: hdfcbank.com/easyemi

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).

PayZapp & SmartBuy
Earn Upto 5% Cashback on your Debit Card on transacting through SmartBuy

Validity

Contactless Payment 

  • Preferred 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. 
Maximise Rewards on EasyShop Preferred Platinum Debit Card with SmartBuy

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
Fees & Renewal

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  
  • 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.
Card Management & Control

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.
  • 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.
Zero Lost Card Liability

Frequently Asked Questions

HDFC Bank's Vishesh Debit Card offers exclusive benefits such as CashBack on purchases, discounts on dining, fuel surcharge waivers, and enhanced security features. It also provides access to special offers and rewards programs, making it a preferred choice for convenient and rewarding transactions. 

The annual/renewal fee for the HDFC Bank Vishesh Debit Card is ₹750+ applicable taxes. However, this fee is waived for Vishesh-eligible customers

The daily domestic shopping limit on the HDFC Bank Vishesh Debit Card is ₹5 lakh. The daily domestic ATM withdrawal limit is ₹1 lakh.

The Vishesh Debit Card is an exclusive offering from HDFC Bank that provides enhanced security features, high transaction limits, and exciting CashBack offers.