Hdfc Bank Rupay Platinum Debit Card - Benefits, Charges and Eligibility
Hdfc Bank Rupay Platinum Debit Card Overview
HDFC Bank RuPay Platinum Debit Card has everything you would expect in a Debit Card.
Hdfc Bank Rupay Platinum Debit Card Features
- Daily Domestic ATM withdrawal limits: Rs. 25,000
- Daily Domestic Shopping limits: Rs. 1.75 lakhs
- 5 % CashBack on Utility Bills paid using Debit Card
- Personal Accidental Death / Permanent Disability Insurance upto Rs. 2 lakhs
- Rupay Debit Card can be used at ATMs, merchant outlets in India and Indian websites only
Hdfc Bank Rupay Platinum Debit Card Eligibility
Both Residents and NREs can apply. Resident Indians should hold any one account with HDFC Bank among Savings Account, Current Account or Salary Account. Existing eligible customers can also upgrade the accounts to apply for this card.Hdfc Bank Rupay Platinum Debit Card Fees & Charges
- Annual Fee: Rs. 150 + applicable taxes
- Add-on Card Annual Fee: Rs. 150 + applicable taxes
- PoS/Ecom Transactions: Nil
- Replacement/Reissuance Charges for Debit Cards: Rs. 200 + applicable taxes
- Decline charges for insufficient balances: Rs. 25 + applicable taxes
- Cross-currency mark-up charges on foreign currency transactions: 3.5% + applicable taxes
- Duplicate PIN: Rs 50 plus GST
- Mark Up Charges for each POSP transaction at Railway Bookings: Transaction charge of 1.8% of the transaction amount
Hdfc Bank Rupay Platinum Debit Card Benefits
- Get Rs 5 CashBack for every Rs 100 that you spend through your Debit Card for utility bill payments
- CashBack of up to a maximum aggregate of Rs 50 per month per card can be accumulated
- Fuel Surcharge would not be applicable for the transactions done on HDFC Bank swipe machines at government petrol outlets (HPCL/ IOCL/ BPCL)
- You are entitled to a Personal Accidental Death / Permanent Disability Insurance by Air/Road/Rail - Sum assured Rs 2 lakhs
- Your Debit card is a Chip+PIN card activated for International & Domestic Usage
- Be it online shopping, payment of your utility bills or booking a movie ticket, just use the HDFC Bank RuPay Platinum Debit Card from the comfort of your home
- You will not have any liability towards any fraudulent transactions on your Debit Card that takes place 30 days prior to reporting the Card loss. This protection is only applicable for Point-Of-Sale (POS) transactions and not for ATM/Online Debit Card/NetSafe transactions, subject to a maximum liability of Rs 1 lakh per Card
- RuPay Premium Airport Lounge Access program provides access to the participating lounges two (2) times per calendar quarter per card in any of the 27 domestic airport lounges and over 540 International airport lounges
- Concierge service will be available as a 24x7 service across India on best-effort basis
What is EMV-Chip Based Debit Card?
EMV stands for Europay MasterCard and Visa, who developed this technology. EMV-chip based debit cards are the debit cards which have embedded microprocessor chip that stores and protects cardholders' information/ data. It uses enhanced security features to protect the important date of the card holders and discourages card's unauthorized usage.
EMV-chip based debit card generates fresh user data every time the user transacts. Therefore, it is impossible for hackers/ fraudsters to steal the information or copy the original data from any card. Further, EMV technology uses your debit card as well as PIN to complete any transaction.
The Reserve Bank of India (RBI) has asked all banks in the country to replace magnetic-strip debit/ credit cards with EMV-chip based cards by 31 December 2018 as magnetic cards are quite vulnerable to skimming. Banks have already replaced the existing magnetic strip debit/ credit cards with latest EMV chip cards. Banks will provide it free of cost.