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HDFC Bank Rupay Premium Debit Card

HDFC Bank Rupay Premium Debit Card Details

Last Updated 18th Jan 2021

  • 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.
  • HDFC Bank Rupay Premium Debit Card signature card offers a cash withdrawal limit of Nil.
  • In addition to that, the card can be used for making purchases up to Nil.
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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 Nil
Maximum Purchase limit Nil
Annual maintenance charge ₹ 200
Card replacement charge ₹ 200
Issuance Charge

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 News - Jan 2021
  • 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.
  • 2019-05-20 : HDFC Bank is offering several attractive offers on debit cards
    Private sector lender, HDFC Bank is ofering attractive cashback and sicount offers to its debut card holders for makinng education fee payment, income tax payment etc. On making the paymnt of income tax though CBDT portal, debite card holders will get up to Rs. 150 flat cash back till June 30, 2019 which will be dredited in their account within 90 days of the offer end date. While on education fee payment, a minimum cash back of Rs. 500 will be offered.
  • 2019-05-17 : HDFC Bank launches smart buy initiative for its credit/debit cardholders
    Private sector lender, HDFC Bank has announced the launch of its smart buy initiative for all its credit and debit cardholders. Smart buy initiative on Flipkart will enable the customers to avail a variety of offers and discounts on various online as well as offline purchases. HDFC Bank cardholders will get an instant 10% discount on the bill above Rs. 4,999 and also a maximum discount of up to Rs. 1,500 per card. The cash back and discount may vary from one card to another.
  • 2019-03-12 : Pay your taxes using HDFC Bank Debit card and get Rs. 100 cashback
    HDFC Bank is offering a unique facility to its customers where taxpayers can pay their Income Tax online by making use of their HDFC Bank debit card and will also get a cashback of worth Rs. 100 on the successful payment of their tax online at CBDT portal. The offer is available only for a limited time period from 1st January to 31st March 2019.
*Terms and conditions apply. Credit at sole discretion of lender subject to credit appraisal, eligibility check, rates, charges and terms. Information displayed is indicative and from collected from public sources. Read More
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