HDFC Bank Platinum Debit Card Review

I love the HDFC Easyshop Platinum debit card for paying my credit card bill payments. 

By using HDFC Platinum debit card, you can earn 1% cashback up to Rs. 750 per month, on credit card bill payments made through the HDFC BillPay portal. This is a great way to save money while paying your credit card bills, especially if you tend to have heavy usage on your credit card.

If you don’t know your credit card bill date you can also check the credit card bill date, so you can pay your credit card bill before the due date.

Let’s discuss the detailed review of HDFC Easyshop Platinum debit card. 

Fees & Charges of HDFC EasyShop Platinum Debit card

  • Joining/Annual Fee: Rs 750
  • Free for Classic, Preferred and Imperia customers.

Cashback Points on HDFC Platinum Debit Card

  • You get 1 cashback point on every Rs. 100 spent on Telecom, Utilities including bill payment & recharge.
  • 1 Cashback point on every Rs. 200 spent on Groceries & Supermarket, Restaurant & Apparels, Entertainment.
  • Maximum cap of Rs. 750 per card per month.
  • 1 cashback point = Rs. 1
  • No cashback points for fuel, wallet loading and others.

Validity of Earned Cashback Points

  • Cashback points are valid for 12 months from the date of accrual.
  • All promotional earned cashback points are valid for 3 months, after which the accumulated points will expire.

Cashback Points Redemption Process

You can redeem your earned cashback points via net banking or phone banking in multiples of Rs 250.  Follow these simple steps:

#1. Through NetBanking

Cards> Debit Cards > Enquire> CashBack Enquiry and Redemption> Account Number> Continue> Input the CashBack amount.

#2. Through PhoneBanking

You can call at PhoneBanking number. Keeping Customer ID and TIN or Debit Card and PIN for verification. 

Smartbuy Rewards

Like other HDFC Bank Infinia credit cards, HDFC Platinum debit card is also eligible for additional cashback on the Smartbuy portal with the maximum cashback cap is Rs. 1000 per calendar month. 

If you have already reached the Smartbuy cashback limit on your HDFC Bank credit card, this is a great alternative option for you to continue earning cashback.

Shopping CategoryCashback on Platinum Debit Card
Flights (Cleartrip/Yatra), Hotels (Cleartrip/Makemytrip), Amazon, IRTC, Redbus, Instant Vouchers, Apple Tresor.5%

Other Benefits of HDFC Easyshop Platinum Debit Credit

Debit Card Limits

  • Daily Domestic Shopping limits: Rs. 5 lacs
  • Daily Domestic ATM withdrawal limits: Rs. 1 lac
  • Cash Withdrawal at POS: Rs. 2,000 per day with maximum limit is capped at Rs. 10,000 per month.

Airport Lounge access

The HDFC Platinum debit card offers complimentary airport lounge access with 2 visits every calendar quarter.

HDFC Platinum vs Millennia Debit Card

You can earn 1% cashback on your credit card bill payment using HDFC Platinum debit card. You can use HDFC BillPay portal through netbanking to make credit card bill payments using a HDFC Platinum debit card. The monthly cap is 750 points equivalent to Rs 750. The cashback will be credited within 2 to 3 days after the payment.

With the HDFC Millennia debit card, you can also earn 1% cashback up to a maximum of Rs. 400 every month on paying your credit card bill. However, it cannot be used on the HDFC BillPay portal, and instead, you must use a third-party app such as PayTM or Mobikwik to make your payment. 

Although the Millennia debit card does not provide direct cashback on BillPay, it does offer 1% cashback on wallet reloads. To earn cashback on your credit card bill payment, you can load your wallet with this debit card and pay your credit card bill via the wallet. The cashback will be credited to your account within 90 days after the payment is made.


If you are a HDFC Classic, Preferred and Imperia customer then you can get both the debit cards with zero membership fee. Having both the cards allows you to receive a monthly cashback of Rs. 1150 by using them to pay your credit card bills.

You may like to read how to change the billing cycle of HDFC credit card.

About Shilpa Gupta

I have done MBA in finance and love to talk about saving through credit cards. I share my personal experience and money-saving hacks on SimpleInterest.

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