Debit card

HDFC Bank Platinum Debit Card

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Apply for HDFC Bank Platinum Debit Card

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Card review

HDFC Bank Platinum Debit Card

3.9 7.8/10 DebitCue Score Verified Jun 20, 2026

Premium debit card with golf privileges, lounge access, and lifestyle benefits

Fee: ₹850 INR/yr (≈ $10)
Foreign fee: 3.5%
Rewards: Cash back

Rewards

1 CashBack Point per ₹200 on groceries, supermarkets, apparel, entertainment, restaurants, telecom & utilities; up to 5% cashback via PayZapp and SmartBuy; max ₹750 cashback/month

Our verdict

What stands out, and where it falls short.

What we like

1 CashBack Point per ₹200 on groceries, supermarkets, apparel,…
Airport lounge access
Travel insurance included

Worth weighing

₹850 INR/yr (≈ $10) card fee
3.5% foreign transaction fee

Who It Is For

Whether the HDFC Bank Platinum Debit Card fits how you actually spend.

Pick it if you are

Frequent travelers
People who want rewards on their spending
Travelers who value airport lounges

Skip it if you are

Light spenders who won't beat the ₹850 INR/yr (≈ $10) fee
Frequent international travelers

Rates and fees

As of June 20, 2026

All amounts shown in INR.

Card fee: ₹850 INR/yr (≈ $10)
Foreign transaction fee: 3.5%
Foreign ATM Withdrawal Fee: ₹125 + 3.5% cross-currency markup

Rewards and features

Rewards: 1 CashBack Point per ₹200 on groceries, supermarkets, apparel, entertainment, restaurants, telecom & utilities; up to 5% cashback via PayZapp and SmartBuy; max ₹750 cashback/month
Pay with: Contactless
Golf Benefits: 4 complimentary golf rounds/year (1/month) + 12 golf lessons/year
ATM Withdrawals (Free): 5 free/month at HDFC ATMs; 3 free/month at other bank ATMs

Benefits and perks

Extras that come bundled with the card.

Complimentary airport lounge access quarterly (requires ₹10,000 spend per quarter from Jan 2026)
Accidental death cover; purchase protection insurance included
24/7 lifestyle concierge service

Eligibility

What you need before you apply.

Account Requirement: Linked to HDFC Bank savings account

HDFC Bank Platinum Debit Card: your questions answered

How much does the HDFC Bank Platinum Debit Card cost?

The HDFC Bank Platinum Debit Card costs ₹850 INR/yr (≈ $10).

What rewards does the HDFC Bank Platinum Debit Card earn?

The HDFC Bank Platinum Debit Card earns 1 CashBack Point per ₹200 on groceries, supermarkets, apparel, entertainment, restaurants, telecom & utilities; up to 5% cashback via PayZapp and SmartBuy; max ₹750 cashback/month.

Does the HDFC Bank Platinum Debit Card charge foreign transaction fees?

Yes - the HDFC Bank Platinum Debit Card charges a 3.5% foreign transaction fee.

Is the HDFC Bank Platinum Debit Card a credit, debit or prepaid card?

The HDFC Bank Platinum Debit Card is a debit card issued by HDFC Bank on the Visa network.

Does the HDFC Bank Platinum Debit Card support Apple Pay and Google Pay?

The HDFC Bank Platinum Debit Card does not list Apple Pay or Google Pay support.

Where can I get the HDFC Bank Platinum Debit Card?

The HDFC Bank Platinum Debit Card is currently offered in India, Indonesia, Japan, Malaysia, Philippines, Singapore, South Korea, Taiwan and 2 more.

How does DebitCue rate the HDFC Bank Platinum Debit Card?

DebitCue rates the HDFC Bank Platinum Debit Card 3.9 out of 5 (7.8/10), scored on the same factors as every card - fees, rewards, perks and ease of use.

How do I apply for the HDFC Bank Platinum Debit Card?

Use the Apply now button to continue on HDFC Bank's secure site. Comparing and applying through DebitCue is free.