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HDFC BankDebit card

HDFC Bank Preferred Platinum Debit Card

A premium HDFC debit card reserved for Preferred customers, with high ATM/POS limits, spend-conditioned domestic lounge access, cashback categories and programme-based fee waiver.

First-party evidencePublished researchReviewed September 9, 2026Active
Open primary bank source ↗Bank dossierCompare alternatives
Cost / chargesCurrent product page states ₹850 + taxes annual fee, waived while enrolled in HDFC Preferred Banking; a separate fee subpage still shows ₹750, so the current product/programme page should control.
Linked accountNo standalone card balance; HDFC Preferred programme eligibility and the linked Savings, Current or Salary relationship control access and fee treatment.
Transaction limitsCurrent product page lists ₹1 lakh daily ATM withdrawal and ₹5 lakh daily shopping limits, with additional security caps that can apply based on account vintage.
Core benefits2 domestic lounge visits per calendar quarter subject to the current ₹10,000 quarterly-spend condition, Swiggy/BookMyShow cashback, golf privileges and insurance under current terms.
Research processPublished by littleden.blog

Structured from first-party bank/issuer evidence. This page does not claim personal hands-on product use unless that experience is explicitly stated.

3 first-party sourcesFirst-party conflict preserved
Last checkedSeptember 9, 2026

Recorded source review date, not a claim that the product changed that day.

Maintenance stateRecheck approaching

Target recheck: November 8, 2026.

Critical decision facts

Card cost, linked account, limits and usable benefits come as one package.

The debit-card proposition depends on the account relationship and the exact ATM, POS, international or lounge conditions attached to this variant.

01 · Cost / chargesCurrent product page states ₹850 + taxes annual fee, waived while enrolled in HDFC Preferred Banking; a separate fee subpage still shows ₹750, so the current product/programme page should control.
02 · Linked accountNo standalone card balance; HDFC Preferred programme eligibility and the linked Savings, Current or Salary relationship control access and fee treatment.
03 · Transaction limitsCurrent product page lists ₹1 lakh daily ATM withdrawal and ₹5 lakh daily shopping limits, with additional security caps that can apply based on account vintage.
04 · Core benefits2 domestic lounge visits per calendar quarter subject to the current ₹10,000 quarterly-spend condition, Swiggy/BookMyShow cashback, golf privileges and insurance under current terms.
Maintained terms

Fees, balances, benefits, limits and eligibility without a single-score shortcut.

These six fields are the cross-product layer. The specialist section above controls whenever a type-specific field is more precise.

Cost / chargesCurrent product page states ₹850 + taxes annual fee, waived while enrolled in HDFC Preferred Banking; a separate fee subpage still shows ₹750, so the current product/programme page should control.
Linked accountNo standalone card balance; HDFC Preferred programme eligibility and the linked Savings, Current or Salary relationship control access and fee treatment.
Core benefits2 domestic lounge visits per calendar quarter subject to the current ₹10,000 quarterly-spend condition, Swiggy/BookMyShow cashback, golf privileges and insurance under current terms.
Transaction limitsCurrent product page lists ₹1 lakh daily ATM withdrawal and ₹5 lakh daily shopping limits, with additional security caps that can apply based on account vintage.
EligibilityAvailable to Preferred customers; resident holders of eligible Savings, Current or Salary accounts and eligible NRIs under current HDFC rules.
Account relationshipAnnual fee waiver and Preferred-card access depend on the HDFC Preferred Banking relationship.
Fit & cautions

Who this record appears designed for—and what can break the fit.

Best-fit wording summarizes the published proposition. It is not individualized financial advice or an approval prediction.

Potential fit

HDFC Preferred customers who can use the card's higher limits and lounge/cashback benefits without maintaining the programme only to avoid the card fee.

Verify before relying
  • Current HDFC pages disagree on the annual fee in some subpages; use the newest controlling programme/card material at issuance.
  • Lounge access is spend-conditioned and voucher-based from January 2026.
  • Insurance, cashback and golf benefits have separate activation/use conditions.
Verified product relationships

Links the bank explicitly documents.

This section is narrower than the same-bank map below. Every relationship shown here has its own first-party evidence; products merely sharing a bank are not treated as linked.

Fee-waived under Preferred

HDFC Bank Preferred Banking Programme

HDFC Bank explicitly ties Preferred Banking to the Preferred Platinum Debit Card and waives the card annual fee while the customer remains in the programme.

The programme controls fee treatment and card eligibility; lounge, cashback, insurance and other card benefits keep their own usage conditions.Verify relationship at bank ↗
Maintained comparisons

Compare this product only where the pair is deliberately maintained.

Both sides keep independent review dates, exact conditions and first-party evidence. No winner score is generated.

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First-party source ledger

Complete evidence set for this maintained profile.

Each source remains independent. A product page, tariff, KFS/MITC, rate schedule or programme document is not silently treated as interchangeable evidence.

01
Primary product / service sourcewww.hdfc.bank.in
Open source ↗02
Additional first-party evidencewww.hdfc.bank.in
Open source ↗03
Additional first-party evidencewww.hdfc.bank.in
Open source ↗
Current-use rule

When the bank changes a term after the recorded review, the current agreement, tariff, KFS/MITC or effective rate table controls.

Research boundary

This page organizes dated public evidence; it does not guarantee eligibility, availability, approval, service quality or future pricing.