We all appreciate a good card, and many readers at CardExpert especially value the perks that come with premium cards. One of the most sought-after benefits is airport lounge access. You might be surprised to learn that some debit cards offer lounge privileges comparable to, or even better than, those on many credit cards.
- Applying for HDFC Easyshop Platinum RuPay Debit Card
- RuPay Premium Debit Card Benefits
HDFC Bank offers two notable debit cards with lounge access. One is the HDFC JetPrivilege World Debit Card, upgraded to include unlimited domestic lounge access through the MasterCard Lounge Access program. The other is the HDFC Easyshop Platinum RuPay Debit Card — a lesser-known option that carries valuable global lounge privileges. Many account holders are either unaware of this card or find it hard to obtain.
HDFC does not promote this card aggressively; it cannot be applied for via netbanking as an upgrade. However, the card is still available if you know how to request it.
Applying for HDFC Easyshop Platinum RuPay Debit Card
The only way to obtain this RuPay Premium Debit Card is by visiting an HDFC branch in person. Branch staff may initially suggest other debit card options or claim application must be done online. If you want this card, insist politely but firmly that you wish to apply for it at the branch. Bank staff will contact their debit card team to process the request, and the card can be issued through the branch channel.
HDFC Easyshop Platinum RuPay Debit Card
RuPay Premium Debit Card Benefits:
Why consider the RuPay Premium Debit Card? Several clear advantages make it worth a look:
- Low annual fee: just ₹150 + service tax.
- Two complimentary lounge visits per quarter.
- Global lounge access: the two complimentary visits per quarter apply internationally, not just within India.
- Wide lounge network: the card provides access to a large number of lounges, comparable to the international network offered by Diners Club.
- Access at select lounges that may not accept major networks: some lounges in India accept RuPay while not accepting other major international networks. In such cases, this RuPay card can be particularly useful.
- 5% cashback on utility bill payments (capped at ₹50 per month per card).
- No fuel surcharge on fuel transactions.
- Welcome voucher: 15% off at participating CCD outlets on a minimum bill of ₹300.
- Personal accident cover: ₹2 lakh for death or permanent disability.
- Concierge service included, a noteworthy perk given the low annual fee.
- International acceptance support: NPCI’s partnerships with networks such as Diners Club, Discover and JCB improve acceptance abroad in case of emergencies.
- Cash and transaction limits: ATM cash withdrawal limit of ₹25,000 per day and POS transaction limit of ₹1.25 lakh per day, which should suit most everyday needs.
- CardExpert Rating: 4.5/5
This debit card is not intended to replace your credit card for regular spending but is valuable as a travel and lounge-access tool. For an annual fee of ₹150 + service tax, you receive up to eight complimentary lounge visits globally each year — a competitive offering when compared to many credit cards with restricted lounge visits. If you frequently carry cash, consider keeping a backup debit card from another bank as well.
Have you used this lesser-known RuPay Premium Debit Card, or are you considering applying for it after reading this article? Share your experience or plans in the comments section.