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HDFC Bank Rupay Premium Debit Card

HDFC Bank Rupay Premium Debit Card Details

Last Updated 17th Jan 2022

  • HDFC Bank Rupay Premium Debit Card can be used both offline and online.
  • HDFC Bank charges a fee of ₹ 200 as card issuance fee for issuing the HDFC Bank Rupay Premium Debit Card signature card.
  • The card can be attained via net banking, written request to the bank or by contacting the bank’s customer care.
  • With HDFC Bank Rupay Premium Debit Card, you can withdraw cash without any limit.
  • In addition to that, there is no purchase limit on HDFC Bank Rupay Premium Debit Card.
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HDFC Bank Rupay Premium Debit Card Overview

HDFC Bank Rupay Premium Debit Card is a Rupay card and is amongst the various customer-oriented and beneficial debit cards offered by HDFC Bank. The card can be attained from the bank through both offline and online mediums such as net banking, written application or by contacting the bank’s customer care. It can be used to withdraw cash, for balance enquires, to deposit funds and for making online and offline payments.

Features
  • This card can be used in both India and abroad.
  • The card offers insurance for Lloss of checked baggage for a sum assured worth ₹ 2,00,000
  • This card can be used above your daily shopping limit on select merchant categories such as Airlines, Education, Electronics, Medical, and Travel amongst others.

How does HDFC Bank Rupay Premium Debit Card Works?

HDFC Bank Rupay Premium Debit Card can be used both offline and online for a different purpose. For offline payments, the card can be used through a card machine. The debit card works offline as and when the merchant inputs the transaction amount on the card machine. After this, the card user is required to enter the debit card PIN to complete the transaction. As the PIN is entered, a request is made to the bank as per which the required amount is deducted from the account linked to the debit card.

In addition to that, HDFC Bank Rupay Premium Debit Card also works online. This requires one to enter details like the 16 digit the card number, expiry date, and the three-digit CVV number-mentioned don the reverse of the card. As and when the details are entered, an OTP is sent to the registered mobile number of the debit card user. The OTP needs to be entered for completion of the transaction after which the amount is deducted from the linked current or savings account.

Features of HDFC Bank Rupay Premium Debit Card in India

HDFC Bank Rupay Premium Debit Card functions similar to all debit cards such as for cash withdrawal and online and offline purchases amongst others. However, the card features vary from each other on the basis of various parameters. HDFC Bank Rupay Premium Debit Card features are listed in the table below:

Maximum Cash withdrawal No Limit
Maximum Purchase limit No Limit
Annual maintenance charge ₹ 200
Card replacement charge ₹ 200
Issuance Charge ₹ 200

HDFC Bank Rupay Premium Debit Card Benefits

Some of the benefits offered by HDFC Bank Rupay Premium Debit Card signature card as listed as follows:

  • HDFC Bank Rupay Premium Debit Card can be obtained easily, as it involves minimum eligibility and documentation.
  • HDFC Bank Rupay Premium Debit Card signature card can be used to withdraw cash.
  • HDFC Bank Rupay Premium Debit Card offers the security of funds even when the card is stolen. This is because the card can be blocked immediately, and thus debit cards are safer for funds than physical cash.
  • Another benefit offered by HDFC Bank Rupay Premium Debit Card is that the card can be used across all points of sales whether offline or online and allows hassle-free transactions.
  • Also, debit cards are way more beneficial than a credit card in terms of debt management. While a credit card allows one to make purchases more than one’s account ability, a debit card allows purchasing as per the availability of funds.
  • Apart from the best utilization of one’s funds, HDFC Bank Rupay Premium Debit Card provides the additional benefit of rewards such as cashback offers and reward points.

HDFC Bank Rupay Premium Debit Card Eligibility

To avail a HDFC Bank Rupay Premium Debit Card, one needs to meet the below-mentioned eligibility criteria:

  • The minimum age requirement to attain HDFC Bank Rupay Premium Debit Card is 18 years.
  • Parents and guardians can attain a debit card on behalf of the minors.
  • One needs to have Government approved identity and address proofs such as Aadhar card, PAN card, passport, driving license or Voter ID card.
  • One needs to have a savings or current account with a bank to attain a debit card

FAQs

What is the limit of HDFC Bank Rupay Premium Debit Card ?

The maximum limit offered by HDFC Bank Rupay Premium Debit Card is ₹ 1 Lakh for withdrawals and is ₹ 2.75 Lakh for making purchases at Point of sales.

What are the annual maintenance charges on HDFC Bank Rupay Premium Debit Card ?

The annual maintenance charges on HDFC Bank Rupay Premium Debit Card are ₹ 200.

Which is the best debit card of HDFC Bank?

HDFC Bank offers different cards that are tailor-made to suit the needs of different debit card users. For instance, HDFC Bank EasyShop Imperia Platinum Chip Debit Card, HDFC Bank EasyShop Preferred Platinum Debit Card offers the highest withdrawal limit of ₹ 1 Lakh, while HDFC Bank EasyShop Imperia Platinum Chip Debit Card, HDFC Bank EasyShop Preferred Platinum Debit Card offers the highest purchase limit of ₹ 5 Lakh. In addition to that, HDFC Bank EasyShop Womans Advantage Debit Card, HDFC Bank Rupay Premium Debit Card is the best card at the lowest annual fee of ₹ 200. Thus, based on one’s requirement, one can choose the best card amongst a number of them offered by HDFC.

Can HDFC Bank Rupay Premium Debit Card be used internationally?

Yes, you can use HDFC Bank Rupay Premium Debit Cardinternationally for making payments or buying products.


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HDFC Debit/ ATM Card News - Jan 2022
  • 2021-12-28 : HDFC Bank to Deliver Banking Services in Semi-Urban and Rural Areas
    HDFC Bank has signed a Memorandum of Understanding to announce a tied up with India Post Payments Bank. The duo will offer banking services to unbanked and underserved segments in semi-urban and rural areas.
  • 2021-05-28 : HDFC Bank commits Rs 100 cr towards COVID relief in FY22
    HDFC Bank committed Rs 100 crore for setting up medical infrastructure for COVID-19 relief in 2021-22. The bank is planning to set up 20 oxygen plants in hospitals besides three 100-bed COVID care facilities as part of the plan.
  • 2021-05-25 : HDFC Bank deploys Mobile ATM in Bengaluru
    HDFC Bank deployed Mobile ATM in Bengaluru to assist customers during the COVID-19 related restrictions. The Mobile ATMs will eliminate the need for the public to move out of their locality to withdraw cash.
  • 2020-06-05 : HDFC Bank introduced summer treats
    HDFC Bank introduced summer treats, under this Bank will offer no-cost EMI and no down payment for large appliances, discounts and cashback on select brands. In addition to this, 50% extra reward points on online spend using credit cards. It will also have exclusive offers on the Bank lending products as well as additional rewards on online spends via Debit Card Credit Card or Payzapp.
  • 2019-09-02 : HDFC Bank launches its new millennia cards
    In a bid to engage the young customers, HDFC Bank launched its new range of millennia cards. These debits and credit cards come with variant features like 5 percent cash back on shopping, discounts and also a 1 percent waiver on the fuel charge. These cards are available in four variants Millennia Credit Card, Millennia easy EMI card, Millennia Debit card, and Millennia Prepaid card.
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