HDFC Bank Rupay Premium Debit Card is actually HDFC Bank easyshop platinum debit card powered by Rupay. Rupay platinum debit cards are one of the best in debit card segment which packs a lot of offers at a minimal annual fee.
|Eligibility||Account holders in HDFC bank|
|Reward type||cash back|
Card features summary
- 5% cash back on utility bill payments
- Airport lounge access
- Concierge service will be available as a 24×7 service across India on best-effort basis
- Fuel surcharge waived off
- Personal death insurance cover of 2 lacs
Issuance and annual fee *
|Annual fee||200 from 2nd year onwards|
*exclusive of taxes
Withdrawal limit & transaction limit
- Daily Domestic ATM withdrawal limits: Rs. 25,000
- Daily Domestic Shopping limits: Rs. 2.75 lacs
There is also a cool feature called Dynamic limit for HDFC Bank Rupay Premium Debit Card.
Dynamic Limit enables you to use your Debit Card over and above your Daily Shopping Limit on select merchant categories. The categories on which dynamic limit is applicable are Airlines, Education, Electronics, Medical, Travel, Tax Payments and Insurance.
We know that default card limit is 2.75 lakhs per day. Let us say you want to pay 3 lakhs on hospital transaction. You can login and change the limits for featured category which is medical in above case and pay the whole 3 lakhs.
1) Chip + PIN card activated for International & Domestic Usage
2) Concierge Facilities as given below
- Gift Delivery Assistance
- Flower Delivery Assistance
- Restaurant Referral and Arrangement
- Courier Service Assistance
- Car Rental and Limousine Referral and Reservation Assistance
- Golf Reservations
- Movie ticket sourcing Assistance
- Car Rental and Sight Seeing Assistance
- IT Return Assessment and filling assistance
- Investment Consultancy
- Insurance Consultancy
Note: HDFC Bank RuPay Premium Debit Card Concierge service can be availed in English or Hindi by calling toll free number – 1800-26-78729. Most of the services will be on a chargeable basis as communicated by the service provider.
- 5% cash back on utility bill payments
- Cash back of up to a maximum aggregate of Rs. 50 per month per card can be accumulated
- Cash back will be given within 90 days from the date of transaction
Airport lounge access
- 2 lounge access per quarter in India at a nominal rate of Rupees 2 per visit
- 2 lounge access per year at international lounges
Note: It may be noted that at international lounges, eligible Cardholder will be charged with the applicable lounge access fee at the time of entry. The lounge access fee will be reimbursed to the Global Cardholders’s account in the subsequent month.
- Personal Accidental Death/Permanent Disability cover for accident by Air/ Road/ Rail – Sum insured of Rs. 2 Lakhs
- All HDFC Bank Rupay Premium Debit Card holders are required to use their Debit Card at POS at least once every 30 days to keep the free Personal Death Insurance cover active
|Instant Pin Generation using NetBanking and MobileBanking||Free|
|ATM PIN generation||Rs. 50 + applicable taxes|
|Decline charges for insufficient balances (At non HDFC outlets)||Rs. 25 + applicable taxes per transaction|
|Cross-currency mark-up charges on foreign currency transactions||3.5% + applicable taxes|
ATM charge structure
|Account Type||Savings & Salary Account|
|No of Free Transactions per month at HDFC Bank ATMs||Free Transactions – 5|
|No of Free Transactions per month at other Bank ATMs||
|Charges beyond prescribed limit of free transactions||
You will not have any liability to any fraudulent Point of Sale transactions on the debit card, which take place up to 90 days prior to reporting the card loss. Maximum limit set to Rs. 5 lakh for HDFC Bank Rupay Premium Debit Card.
Fuel surcharge waiver
Fuel Surcharge is not applicable if swiped on HDFC Bank swipe machines.
Conclusion on HDFC Bank Rupay Premium Debit Card
Go for it factors
The annual fee of this card is just Rs. 200. It provides domestic and international lounge access along with 5% cash back on utility bills at this rate. Apart from that it also provides fuel surcharge waiver and insurance worth 2 lacs. Isn’t it a very good deal for just this much annual charge?
Left out benefits
No offers related to movie bookings.