CardIQIndia
Unverified draft. Fees, reward rates, and perks below are LLM-generated seed data pending admin verification. Cross-check on the bank's official page before relying on them.
40
#15 of 70 in debit
HDFC Bank

Rupay Select Debit Card

debitRupaysignatureProvisional score

Premium Rupay debit with lounge access.

Score breakdown

Data completeness: 55% · Last verified: 06 Jul 2026

Reward value22/100 · weight 65%
≈ 1.09% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +0.9% score bonus — earns broadly without narrow category restrictions.
Fee efficiency87/100 · weight 11%
Redemption flexibility92/100 · weight 8%
Perks38/100 · weight 8%
Devaluation risk70/100 · weight 8%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
₹750 + 18% GST
= ₹885 total
Annual fee
₹750 + 18% GST
= ₹885 / year total
Forex markup
3.5%

Lounge access

Domestic (per year)
8
International (per year)
2

Confirmed devaluation alerts

No confirmed devaluations tracked for this card. That doesn't mean none exist — see the neutral 70/100 devaluation-risk sub-score above.

Reward structure

CategoryTypeRateCapNotes
diningcashback2%——
all_spendscashback1%——