HDFC Easyshop Platinum RuPay Premium Debit Card Review

By | March 8, 2017

We all love credit cards, don’t we? At least the ones who have been fortunate enough to read our views at CardExpert would agree with it without any doubt. One of the prime reasons for holding a good premium credit card is the lounge access that comes with it. But you will be amazed if I tell you that there are even debit cards which will surprise you with such offers that are even difficult to get with great credit cards.

HDFC Easyshop Platinum RuPay Debit Card

HDFC Bank has two such debit cards. One is the HDFC JetPrivilege World Debit Card which has been upgraded by HDFC Bank to have unlimited domestic lounge access under the MasterCard Lounge Access Program. The second one is the RuPay Premium Debit Card. Yes, you read it correctly. I can bet, most of us don’t have this debit card.

Even HDFC doesn’t want you to have this card. This is the reason why they don’t allow you to upgrade to this card from their netbanking portal. But you can still get it.

Applying for HDFC Easyshop Platinum RuPay Debit Card

You can get this card ONLY by visiting the branch. The branch people will straightaway tell you that there are much better debit cards and that you can get this card by visiting the netbanking portal.

But don’t give up. Just firmly tell that you NEED this card and you would using this only for ATM transactions and lounge access. (Funny thing is they don’t know anything about this card). They’ll call their debit card team and ask them if this is possible or not. But yes, it can be issued through branch only.

RuPay Premium Debit Card Benefits:

Why to get RuPay Premium Debit Card over others? There are few reasons that will convince you regarding the choice:

  • This card has a annual fee of just ₹150 + ST.
  • It provides 2 lounge access per quarter.
  • The lounge access is not just restricted to India. It’s 2 lounge access per quarter globally.
  • The number of lounge is extremely good as they offer almost the same lounges as is offered by Diners Club International Globally.
  • There are certain lounges in India like Travel Club Lounge T2 (Domestic) Mumbai International Airport which don’t accept any major cards like VISA, MasterCard or Diners. They accept Priority Pass, Dragon Pass, AMEX Cards, ICICI (VISA cards), and RuPay Cards. A lot of us don’t have the cards that are asked here. But you can easily have access through this RuPay Premium Debit Card.
  • 5% cashback for utility bill payments (₹50/month/per card cap)
  • No fuel surcharge.
  • Welcome vouchers of CCD with 15% off on minimum bill of ₹300 on participating outlets of CCD.
  • Personal Accident Death/Permanent Disability Insurance of ₹2 Lakh
  • Concierge Service (Amazing, considering the annual fees of the card is just ₹150+ST)
  • Since NPCI has partnered with Diners Club, Discover and JCB (Japan), these cards will be acceptable even in your foreign visits in case of an emergency.
  • It allows a decent ATM withdrawal of ₹25,000/day. POS Limit per day is ₹1.25 Lakh/day. Well, no one likes to deal with cash after demonetization and thus ₹25,000/day in my opinion would be enough for most of us.
  • Cardexpert Rating: 4.5/5

Don’t use this card for your regular purchases. You have credit cards for that. But for ₹150 + ST you get 8 access to lounges globally in a year. I think that places it in a much better position than even cards like HDFC Regalia which has restricted the number of complimentary priority pass access to 6 in a year. However, I do recommend to have separate debit card with some other bank as a back up card if you deal with cash a lot.

Let us know what you think about this hidden gem of a debit card I like to call it? How many of you actually have been using this card or plan to take it after reading this article? Please tell us in the comments section.

Author: Abhishek Roy

Abhishek is a Doctor by profession and is passionate about Technology and Photography. He pursues his hobbies during the little free time he gets and likes to make the most out of it. He has special interest in Credit/Debit Cards, Reward Points, Air Miles and Travel Hacks.

61 thoughts on “HDFC Easyshop Platinum RuPay Premium Debit Card Review

  1. Vishnu

    This card has been providing lounge access from last year. I am skeptical about the international lounge access and I have not tried using it in international lounges as RUPAY cards from HDFC are restricted to domestic use only. It has been mentioned in the website and I confirmes with a phonebanker too. How will this card work in a global (international lounge) POS when it has been restricted to domestic use. RUPAY platinum card was marketed extensively and one of the key features they exhibited was lounge access. I have used this card for domestic lounges and yes it works. Limit is 2/quarter. Lounge access is not restricted to two hdfc debit cards. The lounge access through HDFC debit card is through mastercard platform. The other cards which give you access to lounges are
    1.Easyshop Platinum(MC VARIANT) 5/ quarter
    2.Easyshop Titanium 2/quarter
    3.Easyshop Titanium Royale 2/quarter
    4.Easyshop NRE Debit card(MC VARIANT) 2/quarter

    Reply
    1. Abhishek Roy Post author

      Well, there has been some misinformation. I guess, either it is wrongly written on their website or the phonebanker who has given you this information is clueless. We have this card and I can confirm that this card is activated for international Usage. It will work with all the lounges that are mentioned in the HDFC/NPCI Website. However, the International Limit on this card in my case is ₹65,000/day in comparison to domestic transactions where it is enable till ₹1.25 Lakh/day.
      Regarding the other debit cards, I know the other debit cards have access to lounges too. However, the whole point of mentioning only these two cards was that
      1. HDFC JetPrivilege World Debit Card is one of the top end debit cards in India with Unlimited Lounge Access and withdrawal of upto ₹3 Lakh/day cash. Very few debit cards can surpass that I bet.
      2. HDFC RuPay Premium Debit card because no debit cards in the entire arsenal of HDFC comes even close to the benefits offered by RuPay Premium Debit card if you consider the annual fees is just a mere ₹150+ST. Besides, NO DEBIT card gives International Lounge access as RuPay Card!!!

      Reply
    2. Urluck

      Mr. Vishnu,
      I am having easy shop platinum MC debit card, dark blue coloured got under preferred banking.
      Does this give 5 domestic longue access per quarter ? Are u sure or u have confirmed with master card toll free number ??

      Reply
  2. Praveen Perumalla

    Eight international lounge access for a debit card is a fabulous offer which beats even the premium cards.

    I can see Siddharth’s name on the card image. He already has this one too 😀

    Reply
    1. Siddharth

      I was having this few years back but not now. It still looks so new as i hardly used it anywhere 😀

      Reply
  3. Kapil Khurana

    Hi Abhishek

    Your description seems very lucrative. However, I hold their HDFC platinum debit card, which is without any charge as mine is a salary account. There I get 1% cashback, which gives me Rs. 750 every month neat cash for spends of Rs. 75000, and I do avail it every month. Would you still recommend me this debit card?

    Reply
    1. Abhishek Roy Post author

      To spend ₹75K every month on a Debit card just to get ₹750/month seems like a sin to me. 🙂 You can easily get much better cash back rates of 1.6% on HDFC Regalia, 1.5% on Diners Rewardz, 2% on Diners Premium and 3.33% on Diners Black and Infinia. So you see you lose out a lot. And besides this benefit, you get the interest free period of upto 50 days effectively allowing you to earn interest on that money too. 🙂

      Reply
      1. Kapil Khurana

        Oh Abhishek. I know these benefits and use my debit cards mainly for repayment on a portal where credit cards aren’t permitted.

        Let me know if this one too has any such cashback? If not, what other reasons could be there for the switch?

        Reply
        1. Abhishek Roy Post author

          If that is the case and lounge visits are not a priority, I think you are better off with your Existing Card.

          Reply
  4. Anuj Karwa

    @Abhishek

    Please check. The global lounge visits are restricted to 2 per annum and not 2 per quarter. (For reference, see the last page of February 2017 NCPI e-newsletter). 2 access per quarter is applicable for domestic lounge visits only.

    Also, please mention that for global lounge access visits, the lounge access charges would be first debited from the bank account and refunded in the subsequent month.

    Reply
  5. Srikrsna

    As far as I know, according to your point
    ‘Since NPCI has partnered with Diners Club, Discover and JCB (Japan), these cards will be acceptable even in your foreign visits in case of an emergency.’

    This is one and only possible if the Rupay card has both Discover and Diners Club logo printed on the back side of the card and the card should be Chip and PIN. I am putting this information as I am making enough research on Rupay cards recently. More over the card should be mentioned as Global Debit card for International usage.

    Reply
    1. Siddharth

      They usually deny access if you cross the limit and then you can choose to pay usual rates.

      Reply
      1. urluck

        I am having easy shop platinum MC variant debit card, dark blue coloured got under preferred banking.
        Does this give 5 domestic longue access per quarter ?
        Can we confirm this with master card toll free number ??

        Reply
        1. Siddharth

          Yes you do. MC Tollfree no just says “you still have visits left” for some HDFC cards for some reason.

          Reply
  6. Arjun Sachdeva

    Great find.
    Any idea regarding the cross currency markup on this?

    Reply
  7. Ranjeet

    I hold an IDFC Platinum Rupay card. Do the same benefits apply?

    Reply
  8. abhishek k gaurha

    hello sid

    i m having this easyshop platinium card(rupay variant). but my name is not written over it. actually i got it with my hdfc welcome kit.

    so wanna know that whther i m eligible for lounge access or not.

    Reply
    1. Haris Khan

      This will serve as an advantage to you when you visit lounge with someone who don’t hold any card for entry in the Lounge.

      Reply
  9. Anuj Karwa

    I was issued a insta HDFC Rupay Premium(platinum) debit card yesterday and the limit mentioned on the same is
    ATM withdrawal limit – Rs 1 lac
    Daily shopping limit – Rs 2.75 lacs
    (This is much higher than mentioned on their website)

    I think HDFC is placing this card at par with mastercard/visa platinum cards they usually issue.

    Reply
    1. Siddharth

      Most insta kits usually come with this, since past 2 years or so.

      Reply
  10. Anita

    my card doesn’t have any mention of platinum ,(blue card) its a rupay card from hdfc …will it work in lounge

    Reply
  11. Suvankar Ghosh

    After reading this article, i have just upgraded from my old Mastercard to HDFC Platinum Rupay debit card (as in the photo above) for getting lounge access. I got the card today and activated it. But how to confirm that it has lounge access or not? Is there any helpline just like the Mastercard lounge access helpline?
    I have already checked the concierge service….. and whatever they offered was unbelievable for a card of this value!!! Thanks to Abhishek & Siddharth.

    Reply
  12. Aman Gupta

    I have upgraded for this card through net banking and got the card in 7 days.

    Reply
    1. Ar Arbit

      How did you apply though Netbanking? I’m seeing any option there. :-/

      Reply
  13. Anish

    Now confused which card to go for? the RuPay Premium Debit Card or the JetPrivilege HDFC Bank World Debit Card

    Reply
    1. Siddharth

      If international lounge access is required, Rupay may help, else Jet card would do. Jet card is perfect if you fly often.

      Reply
  14. abhishek k gaurha

    thnxxx sid

    really awesome card

    just visited hyd domestic plaza lounge
    they charge only 2rs.

    thnxxx for such useful information

    keep upadating

    Reply
  15. urluck

    I am a HDFC Preferred customer. I am having Easyshop Platinum mastercard – debit card.
    I have applied for Rupay Premium debit card by filling a physical form.
    My application rejected with reason – Rupay card is for basic account holders like Jandhan or similar. For preferred customers, we don’t issue Rupay card.
    My RM mentions – as per branch policy, if you have one debit card, you are not eligible for second debit card for same account.
    What i should do ? – continue easyshop MC card ( more domestic lounge ) or try again to get Rupay by surrendering this platinum MC ?
    As per policy , Debit card fee is waived for Preferred customers, can I get Jetprevilege world debit card free ??

    Reply
    1. Siddharth

      Yes, you can have only one card. You might need to apply after blocking the other.
      Jet cards are not free for any.

      Reply
  16. amaan

    i too applied for this offline but the bank sent me visa card again….after i checked with my bank they said they will only issue instant rupay debit card and not name based rupay debit card

    will instant rupay card be chip based and will it be accepted by lounge???

    Reply
  17. Urluck

    MY Rupay card application is again rejected with reply from HDFC Bank – Rupay card can not be linked to preferred account customers.
    My RM confirms this and says, it can be given to basic account holders only.
    Any one has similar experience or solution to get Rupay card ?

    Reply
    1. Shivi

      Your RM is wrong. The problem is – RuPay debit card is issued to all Prime Minister Jan Dhan Yojana Account holders. Many branches and RM/BM are unaware of the “Premium” variant of the RuPay debit card which is reviewed & talked about in this post. I am facing the same problem – I have already been issued the “Basic” variant of the card twice!!

      Reply
  18. Sunil

    My dad has a preferred account. My RM had ordered insta rupay platinum debit card at the branch. Then he asked me to block the existing debit card. Then he manually issued the insta card at the branch and manually linked it to my account. Thats the way u can get it linked to ur bank account.

    In case airport lounge visit is ur main criteria:
    U must be holding a visa variant of platinum debit card. Just go to branch and ask to change ur visa variant to mastercard variant of platinum debit card. Many ppl say that HDFC has airport lounge visit on mastercard variant of platinum debit card.

    Reply
  19. Urluck

    Thanks for the tip to get Rupay card.
    I am having platinum Mastercard Visa card and had enjoyed longue thru it.
    But Rupay card provide free international longue access, which debit card does not provide.

    Reply
  20. shailesh

    I tried using the card at Munich – Atlanta Lounge.
    the access was denied.
    Has it got something to do with International usage?

    Reply
    1. Abhishek Roy Post author

      Depends.. First thing is, you card should be allowed for International Spends. That can be done by visiting the Debit Cards section through Netbanking.
      Second, the RuPay Cards work on the Diners Club International Platform in Europe and on Discover Platform in USA. Therefore ensure that your card was being swiped on a Diners Club International Cards Accepting machine.
      3rd is to ensure whether that lounge is mentioned on RuPay/Diners Club Lounges list or not. If not then it won’t accept in the first place

      Reply
      1. shailesh

        1. international usage was enabled on my card.
        2. the lounge is mentioned on rupay website.
        3. there was only one swiping machine there. it did mention diners on the standee at the lounge though.

        so wondering if international access is really there!!

        Reply
  21. AR Arbit

    Is Lounge Access Facility also available for add-on cards?

    Reply
    1. Abhishek Roy Post author

      Which add on card are you talking about?

      Reply
      1. AR Arbit

        This same card… HDFC Easyshop Platinum RuPay Premium Debit Card

        Reply
  22. Shivi

    Can anybody provide me with the “Special Card Code” of this particular variant, please? I applied it through branch 3 times and all 3 times the wrong card was sent to me. The branch has no idea of the card code whatsoever! 🙁

    Reply
    1. Ar Arbit

      Special Card code of this particular variant is RRR01

      Reply
      1. Shivi

        Thank you so much Arbit! I was issued regular “Jan-Dhan” RuPay debit card thrice!

        Reply
        1. Ar Arbit

          Welcome Shivi…
          Have you been charged three times also? Or you got the money refunded?

          Reply
          1. Shivi

            No, I was not charged anything as I was in their Preferred Banking before.

            Well.. I used “RRR01” in the form and again the form has been rejected. Head office says “No such code exists” and Branch is clueless.

  23. Doney

    Anyone can help me with the “product code” of this card? I need this to fill in the application. Branch people has no clue about this !

    Reply
  24. Ashish R

    “The lounge access is not just restricted to India. It’s 2 lounge access per quarter globally.”

    I think it has 2 lounge access only for out of india lounges per year. Also with that 2 access , the amount will be debited and credited back within a month.
    can someone please confirm this??

    “””RuPay International Airport Lounge Access Program:-
    Two Free Access Per year for RuPay Global Platinum Card holder
    Airport Lounge Access in 300+ cities across the world : access covers 500+ airports lounges worldwide.
    Applicable lounge fees will be debited to the card holder and will be refunded in the subsequent month.””

    Reply
    1. Abhishek Roy Post author

      I have used the Rupay card in past for domestic lounge access in Mumbai.

      Reply
  25. Neeraj

    Hello everyone while opening a new account even my relationship manager has put the code RRR01 , So m worried wether it will be rupay platinum or regaluar rupay?

    Reply

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