Your HDFC Bank Classic Platinum Chip Debit card entitles you to:

The encryption technology of a chip card, which secures the card against fraudulent use. This card offers greater security by storing & processing information in a secure manner. This advanced technology is more effective in preventing the card from being copied to product counterfeit cards.

Higher Debit Card Limits

  • Daily Domestic Shopping limits: Rs. 5 lacs
  • Daily Domestic ATM withdrawal limits: Rs. 1 lac
  • Cash withdrawal facility can now be availed across merchant establishments with a maximum upper limit of Rs.2,000/ day on your HDFC Bank Debit Cards, maximum Cash at POS limit per month is of Rs. 10,000/-
  • 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.

  • Dynamic Limits:​​​​​​​

*For Security reasons, ATM cash withdrawal limit is capped at ₹ 0.5 Lakhs per day and ₹ 10 Lakhs per month for first 6 months from Account opening date.  For accounts older than 6 months, ATM cash withdrawal limit is capped at ₹ 2 Lakhs per day and ₹ 10 Lakhs 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

Cashback points on Platinum Debit Card

  • Get 1 Cashback point on every Rs. 100 spent on Telecom, Utilities.
  • 1 CashBack point on every Rs. 200 spent on Groceries & Supermarket, Restaurant & Apparels, Entertainment
  • Maximum cap of Rs. 750 per account per month
  • No cashback points for all other categories apart from the one above.
  • Customers will receive cash back points on eligible MCC (Merchant Category Code) only. Click Here to Know More.
  • In case purchase/ transaction is returned/ cancelled/ reversed, cashback points toward posted towards transactions will be reversed.
  • Cashback points need to be redeemed through NetBanking minimum 250, no maximum capping on redemption subject to availability.
  • Customer can view the points in Netbanking in 2 working days from the date of transaction.

Product feature CashBack points will be valid for redemption within the next 12 months after which your Cashback points will lapse. 

All promotional CashBack points earned on your Debit Card will have a validity of 3 months, post which the accumulated points will expire effective February, 2020.

Customer is not eligible for redemption of cashback points on account closure.

How to Redeem?

1. Through NetBanking

Login >> Pay >> Cards >> Debit Cards >> Debit Cards Summary >> Actions >> Redeem Reward Points

​​​​​​​Additional cashback:​​​​​​​

Debit Card - EMI

  • Enjoy No cost EMI on leading brands on electronics, furniture, apparels, smart phones and much more

  • Convert any purchases above Rs 5000/- 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 Reversal

Effective 1st January 2018, Fuel Surcharge would not be applicable for the transactions done on HDFC Bank swipe machines.

Insurance Cover: The following are included in the insurance covers

  • Death Cover by Air / Road / Rail - Sum Insured up to Rs. 12,00,000. Click here for more details.
  • Now get additional International Air Coverage of flat Rs.3 Crore on purchase of air ticket using your Debit Card. Click here to Know More.
  • Fire & Burglary for the items purchased under Debit Card (upto 6 months) - Sum assured Rs. 200,000. Click here for more details.
  • Loss of checked baggage - Sum assured Rs. 2,00,000. Click here for more details.
  • For any Claims under Fire & Burglary Insurance/ Loss of checked baggage Insurance to be accepted & processed, the cardholder should have carried out at least 1 purchase transaction using the Debit Card, within 3 months prior to the event date.
  • In the event the Insured Person(s) having multiple Cards issued by the Insured named in the Schedule, the Insurance Policy shall be applicable only for the Card, which has the highest Sum Insured / limit of Indemnity.
  • Effective 1st July 2014, all Debit Card holders are required to use their Debit Card at retail OR on-line stores at least once every 30 days to keep the free Personal Death Insurance cover on their Debit Card active
  • Zero Liability: You will not have any liability to any fraudulent Point of Sale transactions on the debit card, which take place upto 30 days prior to reporting the card loss. Click here for more details.
  • *In the event the Insured Person(s) having multiple Cards issued by the Insured named in the Schedule, the Insurance Policy shall be applicable only for the Card, which has the highest POS amount.

Airport Lounge Access offer For Classic Customer

This Debit card gets you complimentary lounge access at airports across India 

Complimentary Lounge Access - 2 per Calendar Quarter. 

Effective 1st  January 2024, you will get complimentary lounge benefit only if you spend Rs. 5000 or more in previous calendar quarter. 

For more information click here​​​​​​​

Debit Cards Offers

Click here for exciting offers available on your HDFC Bank Classic Platinum Debit Card.

Contactless Payment Technology

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 ₹5000 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 ₹5000, the Card holder has to enter the Debit Card PIN for security reasons.

Important Note:

As per RBI guidelines RBI/2019-2020/142 DPSS.CO.PD No. 1343/02.14.003/2019-20 dated 15th January 2020, all Debit Cards issued effective 1st Oct' 2020, are or will be enabled only for Domestic usage (PoS & ATM) and disabled for Domestic (E-commerce & contactless) and International usage. This is to improve user convenience and increase the security of card transactions. 


You can enable or modify Domestic & International transactions limits on ATM / PoS / E-commerce / Contactless please visit MyCards / NetBanking / Mobile Banking / WhatsApp Banking- 7070066666 / Ask Eva / Call Toll-free Number 1800 1600 / 1800 2600 (from 8 am to 8 pm) Customers travelling overseas can reach us at 022-61606160. 

*NRO Debit Card will continue to be enabled only for domestic usage as per regulatory mandate.

Contactless per day limit is of transaction Rs. 5000/-