HDFC RuPay Debit Card Review: Why it is better than Visa / MasterCard

HDFC RuPay Debit Card


The HDFC RuPay Debit Card, a collaboration between HDFC Bank and RuPay, stands out for its enticing features and benefits. This review delves into its specifics, covering fees, rewards, and exclusive lounge benefits.

Fees of HDFC RuPay Debit Card

Annual FeeRs. 150 + GST
Cash withdrawal at non-HDFC Bank ATMsRs. 20 + GST per transaction
Balance enquiry at non-HDFC Bank ATMsRs. 8.5 + GST per enquiry
Card replacement chargesRs. 200 + GST
Note: Charges are subject to change; refer to HDFC Bank’s official website for the latest fee structure.

Reward System

The HDFC RuPay Debit Card introduces a distinctive reward system.

Spending CategoryReward Points
Every INR 100 spent on retail purchases1 point
Every INR 100 spent on online purchases2 points
Redemption of these points only for gifts and vouchers from HDFC Bank’s reward catalogue.

The HDFC RuPay Debit Card also provides 5% cashback for utility bill payments (Rs. 50/month/per card cap)

Lounge Access

  • Domestic lounge access: 2 visits per calendar quarter for lounges in India.
  • Primary cardholders eligible via Diners Club network as RuPay has collaboration with them for lounge and payment gateway.
  • International lounge access: No free visits
  • HDFC debit card has higher number of lounge access compared to premium HDFC Platinum debit card.


HDFC Rupay Debit Card

CC Expert

HDFC RuPay Debit Card


HDFC RuPay Debit Card emerges as an excellent choice, blending nominal fees with a rewarding system and additional perks like lounge access. Assess your financial situation and spending habits before choosing a debit card. Its an entry level card for HDFC classic accounts. Higher account variants gets the HDFC Platinum debit card with better cashback features.


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