CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
HDFC Bank

EasyShop Platinum Debit Card

37
Ranked #13 of 66 in debit
debitVisa/MastercardMid-Premium

HDFC's mid-premium all-rounder debit card offering cashback, lounge access, and a strong insurance suite — recently devalued with a doubled lounge-access spend threshold and shift to voucher-based redemption (Jan 2026).

Score breakdown

Data completeness: 70% · Last verified: 09 Jul 2026

Reward value22/100 · weight 71%
≈ 1.00% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +10.0% score bonus — earns broadly without narrow category restrictions.
No rewards on: fuel, insurance. Reward score is scaled by ×(1 − 1.1%), proportional to how much of the standard basket falls in these excluded categories (v4 formula, capped at −5%). Tip: pair with a card that covers these.
Fee efficiency92/100 · weight 12%
Redemption flexibility92/100 · weight 9%
Perks26/100 · weight 9%

Fees

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

Joining fee
—
Annual fee
₹850 + 18% GST
= ₹1,003 / year total
Waiver: Not detailed as waivable; standard fee applies
Forex markup
3.5%

Lounge access

Domestic (per year)
8
International (per year)
0

Reward structure

CategoryTypeRateCapNotes
all_spendscashback1%₹750 / monthly—

Welcome offer

None specified

Milestone benefits

Pros

  • Strong all-round insurance suite (unusual for a debit card)
  • zero-cost EMI on major brands
  • decent cashback structure

Cons

  • DEVALUATION: lounge spend threshold doubled (Rs5,000→Rs10,000/quarter) and access now voucher-based, effective Jan 2026
  • excludes jewellery/fuel/government/business services/insurance/mutual funds from cashback

Insurance cover

text
₹NaN

Eligibility

text
Resident or NRE with HDFC SuperSaver/Current/Savings/Salary account

Small print

Fuel surcharge:No fuel surcharge on HDFC swipe machines