HDFC Bank EasyShop Platinum Debit Card
The HDFC EasyShop Platinum Debit Card provides a range of benefits, including rewards and cashback, fuel surcharge reversal, insurance benefits, and lounge access.
Additionally, it offers the standard perks of a debit card, such as higher limits, the option for purchases via debit card EMI, and cash withdrawals.
Obtaining this platinum debit card from HDFC Bank is straightforward due to its relaxed eligibility requirements. Continue reading to learn more about this debit card.
Key Highlights of HDFC EasyShop Platinum Debit Card
Feature | Details |
Daily ATM Withdrawal Limit | Rs. 2 lakh |
Free ATM Transactions (HDFC Bank ATMs) |
|
Free ATM Transactions (Other Bank ATMs) |
|
ATM Charges (Beyond Free Transactions) | Rs. 21* |
Daily Shopping Limit | Rs. 5 lakh |
Additional Benefits |
|
Cashback Benefit | 1 cashback point on every Rs. 200 spent on telecom, utilities, groceries, supermarket, restaurant, apparels, entertainment |
Features & Benefits of HDFC Bank EasyShop Platinum Debit Card
The HDFC Debit card enables customers with the following benefits:
- Card Activation and Milestone Benefits: Contrary to popular belief, the HDFC EasyShop Debit Card offers welcome and milestone benefits.
- Higher Limits: The HDFC EasyShop Platinum Debit Card offers higher limits for daily shopping and ATM withdrawals, with up to Rs. 5 lakh and Rs. 2 lakh, respectively. These limits can be modified via HDFC Bank NetBanking up to the prescribed limits.
- Cash Withdrawal at POS: With the HDFC Platinum Debit Cards, you can avail of cash withdrawal facilities at merchant POS for up to Rs. 2,000 per day, capped at Rs. 10,000 per month.
- Cashback Benefits: The card provides 1 cashback point for every Rs. 200 spent on Telecom, Utilities, Grocery, Apparels, Supermarket, Entertainment, and Restaurants.
Note the following conditions:
- Maximum cashback per month is Rs. 750.
- Cashback is earned only across eligible Merchant Category Codes.
- Cashback is reversed in case of purchase/transaction cancellation, return, or reversal.
- Product feature cashback points are valid for 12 months, while promotional cashback is valid for 3 months.
- Cashback cannot be redeemed in case of account closure.
Additional Cashback Benefits:
- 5% cashback on automatic bill payments via BillPay for the first 12 months (capped at Rs. 1,800 annually).
- Exclusive voucher up to Rs. 500 on Amazon Pay.
- Up to 5% cashback on transactions through PayZapp and SmartBuy.
- EMI on Debit Card: The card allows No Cost EMI for purchases of furniture, electronics, smartphones, apparels, and more. Purchases above Rs. 500 can be converted into EMIs. Check your eligibility by sending SMS ‘MYHDFC’ to 5676712 with your registered mobile number.
- Fuel Surcharge: No surcharge for fuel transactions made via HDFC Bank swipe machines.
- Insurance Benefits: The card offers various insurance benefits including:
- Death cover for air/road/travel up to Rs. 12 lakh.
- International air coverage of Rs. 3 crore (for air tickets purchased with the card).
- Fire & Burglary cover of Rs. 2 lakh (for items purchased with the card).
- Loss of checked baggage cover of Rs. 2 lakh.
- Zero liability cover in case of card loss.
- Airport Lounge Access: The card provides 2 complimentary accesses to Clipper Lounges per quarter at airports across India. Frequent travellers can enjoy lounge access without needing a credit card. However, for extensive lounge access benefits, including more visits, international lounge access, and priority pass membership, a credit card might be preferable.
Eligibility Criteria for EasyShop Platinum Debit Card
Both NREs and Residents can apply for the EasyShop Platinum Debit Card.
Resident Indians should be an account holder of any of the following:
- Current Account
- Savings Account
- SuperSaver Account
- Salary Account
- Loan Against Shares Account (LAS)
Fees and Charges of HDFC EasyShop Platinum Debit Card
Given below are the fees and charges of HDFC EasyShop Platinum Debit Card:
Fee Type | Charges |
ATM PIN Generation | Rs. 50 |
Card Replacement Fee | Rs. 200 |
ATM Charges | Rs. 21 |
Foreign Exchange Markup Fee | 3.5% |
How to Apply for an EasyShop Platinum Debit Card?
Steps to apply for Easyshop Platinum Debit Card
Step 1: If you already have an account with HDFC Bank, you just need to download the application form from the official website
Step 2: You do not need to fill up another form for EasyShop Platinum Debit card as this form will include the application for the debit card.
Step 3: Once you have filled up the form with the required information you can submit at any of the branches of the bank.
Step 4: Once processing is complete, your debit card will be sent to your mailing address.
If you do not have an account with HDFC Bank, you need to collect the account opening form from HDFC Bank branch and fill it up along with the EasyShop International Form. Finally, submit it to the branch.
How To Upgrade HDFC EasyShop Platinum Debit Card?
If you already have a HDFC EasyShop Platinum Debit Card, you can avail its other benefits by upgrading its like high cash withdrawal or shopping limits. Follow the steps mentioned below:
Step 1: Log in to your HDFC net banking portal.
Step 2: Click on ‘Cards’.
Step 3: Choose ‘Debit Card Upgrade’ under the ‘Debit Card Request’ section.
Step 4: Select your existing debit card number that you are going to upgrade.
Step 5: Finally click on ‘Confirm’.
FAQs on EasyShop Platinum Debit Card
- What is the Foreign Exchange Mark-up fee of HDFC EasyShop Platinum Debit Card?
The Foreign Exchange Mark-up fee of HDFC EasyShop Platinum Debit Card is 3.5%.
- Is HDFC Platinum Debit Card good?
If you want a debit card with more perks overall, the HDFC EasyShop Platinum card is a fantastic choice. The card not only excels at offering standard debit card advantages, but also advantages comparable to those of a credit card.
- Who is eligible for HDFC EasyShop Platinum Debit Card?
Both residents of India and NREs are eligible to apply for this debit card. However, they need to hold SuperSaver, Current, Savings, Salary Account with HDFC Bank.
- Will I be getting cashback for all my purchases made using the debit card?
You will be getting cashback for all purchases except for jewellery, fuel and services including government payments, Business Services, insurance, mutual funds etc.
- I haven't used my debit card for a while, will I still be able to claim the loss of baggage insurance?
Whether it is Loss of checked baggage insurance or Fire & Burglary Insurance, to make a claim, you must have used the card for at least 1 purchase within three months before the loss/fire/theft.
- How do I update my HDFC Bank Platinum Debit Card using NetBanking?
It is convenient and quick to update your debit card using NetBanking. Visit the official website, login to NetBanking and find the "Cards Tab". Clicking on it will lead to "Debit Card Upgrade" which can be found under the Debit Card request section. Next you must select the existing Debit Card number and confirm it.
- Is there a withdrawal limit for this card?
Yes, Rs. 1 lakh is the ATM withdrawal limit per day and Rs. 2.75 lacs is the shopping limit on the card per day.
- What all is covered in the insurance that comes with the card?
This card provides Death Cover by road/air/rail, International Air Coverage, Fire & Burglary cover as well as cover for loss of checked baggage.
Kankana Mukherjee is an engineer and has over 4.5 of experience in content writing. Combining the expertise in financial content writing achieved in her 2 years association with BankBazaar, and a knack for clear and engaging content, Kankana simplifies complex financial concepts and offers practical insights to help readers make informed decisions and achieve financial success.
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