Overview
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.
Table of Contents
Fees of HDFC RuPay Debit Card
| Particulars | Charges |
|---|---|
| Annual Fee | Rs. 150 + GST |
| Cash withdrawal at non-HDFC Bank ATMs | Rs. 20 + GST per transaction |
| Balance enquiry at non-HDFC Bank ATMs | Rs. 8.5 + GST per enquiry |
| Card replacement charges | Rs. 200 + GST |
Reward System
The HDFC RuPay Debit Card introduces a distinctive reward system.
| Spending Category | Reward Points |
|---|---|
| Every INR 100 spent on retail purchases | 1 point |
| Every INR 100 spent on online purchases | 2 points |
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.
Summary
HDFC Rupay Debit Card
Summary
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.