Best Debit Cards in India

Best Debit Cards in India

Debit cards are among the most popular tools for making cashless transactions.

Several banks in India provide debit cards to customers with enticing offers, cashback, and reward points. Here are the best debit cards available in India. 

Almost all banks provide a free debit card when you open an account. However, only a few give high-quality services and offers that truly stand out from the rest. 

In this article, we will discuss the best debit cards that provide the best features, offers, discounts, and more.

Top 10 Best Debit Cards in India

Debit Card

Daily Cash Withdrawal Limit

Daily Purchase Limit

Annual Fees

Other Benefits

ICICI Coral Debit Card

₹1 Lakh

₹5 Lakh

₹699 + GST

2 complimentary airport lounge accesses per quarter on spends of ₹10,000 in the previous quarter

HDFC Bank EasyShop Platinum Debit Card

₹1 Lakh

₹5 Lakh

₹850 + taxes

2 complimentary airport lounge access per calendar quarter

HDFC Millennia Debit Card

₹50,000

₹3.5 Lakh

₹500 + GST

4 complimentary airport lounge accesses per quarter on spends of ₹5,000 in the previous quarter

Axis Bank Platinum RuPay Debit Card

₹40,000

₹2 Lakh

₹200 + GST



Dining Discount of ₹500 via Axis Bank Dining Delights Program with EasyDiner

SBI IOCL Global Debit Card

₹40,000

₹75,000

₹200 + GST

6 reward points for every Rs. 200 spent at IOCL petrol pumps in India

SBI Platinum International Debit Card

₹1 Lakh

₹2 Lakh

₹325 + GST

2 rewardz points for every ₹200 spent

SBI Global International Debit Card

₹40,000

₹75,000

₹200 + GST

2 rewardz points for every ₹200 spent

Kotak 811 #Dream Different Debit Card

₹25,000.

₹1 Lakh

₹299+ GST

Complimentary insurance cover:

  • Card Protection Liability Cover: Up to ₹2.5 Lakh

  • Purchase Protection Cover: ₹50,000

  • Personal Accidental Death Cover: Up to ₹2 Lakh

SBI Debit Card

SBI is a financial powerhouse and offers a myriad of services to its customers. Be it international shopping or priority ticketing at the Mumbai Metro, SBI has a debit card for everything. Here are some of the debit cards offered by SBI:

  • SBI Global International Debit Card
  • SBI Gold International Debit Card
  • SBI Platinum International Debit Card
  • SBI Mumbai Metro Combo Card
  • SBI My Card International Debit Card
  • SBI IOCL Co-Branded Contactless RuPay Debit Card
  • Electronic Card For Overdraft Account

SBI offers discounts, cash-back offers, and more on domestic flight bookings, hotel accommodations, online shopping, and reward points for shopping. 

Additionally, SBI collaborated with Visa and MasterCard to secure payments across all online transactions.

SBI Debit Card

Daily Domestic Withdrawal Limit

Daily Domestic Purchase Limit

Annual Charges

SBI Global International Debit Card

₹40,000

₹75,000

₹200 + GST

SBI Gold International Debit Card

₹50,000

₹2 Lakh

₹250 + GST

SBI Platinum International Debit Card

₹1 Lakh

₹2 Lakh

₹325 + GST

SBI Mumbai Metro Combo Card

₹40,000

₹75, 000

Nil

SBI My Card International Debit Card

₹40,000

₹75,000

₹250 + GST

SBI IOCL Co-Branded Contactless RuPay Debit Card

₹40,000

₹75,000

₹125+GST

Electronic Card For Overdraft Account

Nil

₹75,000

₹125+GST

Best SBI Debit Card: SBI Gold International Debit Card

HDFC Debit Card

HDFC holds a reputation for being India’s leading private-sector bank, and rightfully so. It offers several debit cards catering to the needs of every customer. 

Here are some of the debit cards HDFC offers:

  • Millennia Debit Card

  • RuPay Premium Debit Card

  • MoneyBack Debit Card

  • Business Debit Card

  • Infiniti Debit Card

  • Jet Privilege HDFC Bank World Debit Card

  • Imperia Platinum Chip Debit Card

  • Preferred Platinum Debit Card

  • Classic Platinum Debit Card

  • Platinum Debit Card

  • Times Points Debit Card

  • HDFC Bank Rewards Debit Card

  • Woman's Advantage Debit Card

You can choose the type of debit card you want based on your requirements. 

Besides cashback offers, reward points, and discounts, HDFC also offers intermiles accumulation that can be redeemed for free flights, accidental death insurance coverage, card security, fuel savings, zero liability on lost debit cards, and a locker facility, to name a few features.

HDFC Debit Card

Daily Domestic Withdrawal Limit

Daily Domestic Purchase Limit

Annual Charges

Millennia Debit Card

₹50,000

₹3.5 Lakh

₹500 + GST

RuPay Premium Debit Card

₹25,000

₹ 2.75 Lakh

₹200 + GST

MoneyBack Debit Card

₹25,000

₹3 Lakh

₹300 + GST

Business Debit Card

₹1 Lakh

₹5 Lakhs

₹350 + GST

Infiniti Debit Card

₹2 Lakh

₹10 Lakh

₹2500 + GST

Jet Privilege HDFC Bank World Debit Card

₹3 Lakh

₹1 Lakh

₹500 + GST

Imperia Platinum Chip Debit Card

₹1 Lakh

₹5 Lakh

₹ 850 + GST

Preferred Platinum Debit Card

₹1 Lakh

₹5 Lakh

₹850 + GST

Classic Platinum Debit Card

₹1 Lakh

₹5 Lakh

₹850 + GST

Platinum Debit Card

₹1 Lakh

₹5 Lakh

₹850 + GST

Times Points Debit Card

₹1 Lakh

₹3.5 Lakh

₹ 650 + GST

HDFC Bank Rewards Debit Card

₹50,000

₹3.5 Lakh

₹500 + GST

Woman's Advantage Debit Card

₹25,000

₹2.75 Lakh

₹200 + GST


Best HDFC Debit Card: RuPay Premium Debit Card

ICICI Debit Card

ICICI specializes in providing a wide range of financial products and services in investment banking, life insurance, corporate and personal banking, asset management, and more.

To make debit transactions easier, ICICI has various debit cards at our disposal, such as:

  • ICICI Bank Coral Paywave Debit Card
  • ICICI Bank Rubyx Debit Card 
  • ICICI Bank Sapphiro Debit Card
  • ICICI Bank Coral Plus Debit Card
  • ICICI Bank Bussiness Coral Debit Card
  • ICICI Bank Business Sapphiro Debit Card
  • ICICI Bank Expressions Coral Debit Card
  • ICICI Bank Expressions Sapphiro Debit Card
  • ICICI Bank Expressions Business Debit Card
  • ICICI Bank Private Banking Debit Card
  • ICICI Bank Platinum Debit Card
  • ICICI Bank Titanium Debit Card
  • ICICI Bank Unifare Bangalore Metro Platinum Debit Card

Each type of debit card serves a unique purpose and fulfills a specific requirement of the customer. While Expressions Debit Cards allow you to customize the card to your liking, the Unifare Debit Card is multifunctional as an ATM card, debit card, and metro card. it

ICICI debit cards can help you taste privilege by providing access to lounges in airports, providing joining benefits, etc, besides the usual rewards and discounts.

ICICI Debit Card

Daily Domestic Purchase Limit 

Daily Domestic Withdrawal Limit

Annual Charges

Gemstone Debit Cards

Coral Paywave

₹5 Lakh

₹1.5 Lakh

₹699 + GST

Rubyx

₹7.5 Lakh

₹1.5 Lakh

₹1,099 + GST

Sapphiro

₹7.5 Lakh

₹1.5 Lakh

₹1,999 + GST

Coral Plus

₹5 Lakh

₹1.5 Lakh

₹249 (monthly)

Bussiness Coral

₹5 Lakh

₹1.5 Lakh

₹699 + GST

Business Sapphiro

₹7.5 Lakh

₹2.5 Lakh

₹1,999 + GST

Expressions Debit Cards

Expressions Debit Card

₹5 Lakh

₹1 Lakh

₹599 + GST

Expressions Coral Debit Card

₹2.25 Lakh

₹1.25 Lakh

₹799 + GST

Expressions Sapphiro Debit Card

₹5 Lakh

₹1.5 Lakh

₹4999 + GST

Expressions Business Debit Card

₹5 Lakh

₹1.5 Lakh

₹899 + GST

Expressions Business Coral Debit Card

₹5 Lakh

₹1.5 Lakh

₹899 + GST

Personal Cards

Private Banking Debit Card

₹7.5 Lakh

₹1.5 Lakh

₹300 + GST

Platinum Debit Card

₹3 Lakh

₹50,000

₹300 + GST

Titanium Debit Card 

₹5 Lakh

₹1 Lakh

₹300 + GST

ICICI Bank Unifare Bangalore Metro Platinum Debit Card

₹5 Lakh

₹1 Lakh

₹299 + GST

Best ICICI Debit Card: ICICI Bank Platinum Debit Card

Kotak Bank Debit Card

Even though it is a flagship company of the Kotak group, it has made a mark in the world of Indian banking by providing complete financial products for infinite individual and corporate needs. 

Through its various debit cards, Kotak Bank covers a comprehensive range of services. 

Here are some of the debit cards Kotak Bank offers:

  • Kotak Solitaire Debit Card

  • Privy League Neon

  • Privy League Black

  • Kotak PVR Debit Card

  • Privy League Platinum

  • Kotak Privy Debit Card

  • Infinite Debit Card

  • Signature Pro Debit Card

  • 811 #DreamDifferent Debit Card

  • Silk Platinum Debit Card

  • Privy League Signature Debit Card

  • Kotak Everyday Debit Card

  • Privy League Platinum Debit Card

  • Platinum Debit Card

Kotak debit cards provide exclusive offers to their users. From high insurance coverage and fuel surcharge waivers to complimentary airport lounge access and special offers for NRIs, Kotak debit cards have no limit when it comes to showering users with offers. 

Kotak Debit Card

Daily Domestic Withdrawal Limit

Daily Domestic Purchase Limit

Annual Charges

Kotak Solitaire Debit Card

₹2.5 Lakh

₹15 Lakh

₹25,000 + GST

Privy League Neon

₹2 Lakh

₹10 Lakh

Nil

Privy League Black

₹2.5 Lakh

₹15 Lakh

Nil

Kotak PVR Debit Card

₹1 Lakh

₹7 Lakh

₹499 + GST

Privy League Platinum

₹2 Lakh

₹15 Lakh

Nil

Kotak Privy Debit Card

₹2 Lakh

₹10 Lakh

Nil

Infinite Debit Card

₹2.5 Lakh

₹15 Lakh

Nil

Signature Pro Debit Card

₹2 Lakh

₹7 Lakh

₹750 + GST

811 #DreamDifferent Debit Card

₹25,000

₹1 Lakh

₹3,99 + GST

Silk Platinum Debit Card

₹40,000

₹2 Lakh

Nil

Privy League Signature Debit Card

₹2 Lakh

₹15 Lakh

Nil

Kotak Everyday Debit Card

₹1 Lakh

₹5 Lakh

Nil

Privy League Platinum Debit Card

₹1.5 Lakh

₹10 Lakh

Nil

Platinum Debit Card

₹1 Lakh

₹5 Lakh

Nil


Best Kotak Debit Card: Privy League Platinum Debit Card

Axis Bank Debit Card

Axis debit cards are quick in action, contactless, and highly secure. They are also customized to your daily withdrawal and financial needs. Top cards from Axis Bank include -

  • Axis Bank Republic Debit Card
  • Axis Bank Flipkart Debit Card
  • Axis Bank Delight Debit Card
  • Axis Bank Value+ Debit Card
  • Axis Burgundy Debit Card
  • Rewards+ Debit Card
  • Power Salute Debit Card
  • Axis Bank Priority Debit Card
  • Rupay Platinum Debit Card

Axis debit cards provide higher transaction limits on withdrawals as well as purchases. The exclusive benefits on transactions, airport lounge access, and accidental health insurance coverage also made Axis debit cards some of the most sought-after debit cards.


Axis Bank Debit Card

Daily Domestic Withdrawal Limit

Daily Domestic Purchase Limit

Annual Charges

Axis Bank Republic Debit Card

₹40,000

₹1 Lakh

Nil

Rupay Platinum Debit Card

₹40,000

₹2 Lakh

Nil

Axis Bank Priority Debit Card

₹1 Lakh

₹5 Lakh

Nil

Power Salute Debit Card

₹40,000

₹1 Lakh

Nil

Rewards+ Debit Card

₹50,000

₹4 Lakh

₹300

Axis Burgundy Debit Card

₹3 Lakh

₹6 Lakh

Nil

Axis Bank Value+ Debit Card

₹1 Lakh

₹5 Lakh

₹750

Axis Bank Delight Debit Card

₹1 Lakh

₹5 Lakh

₹999

Axis Bank Flipkart Debit Card

₹50,000

₹5 Lakh

₹500


Best Axis Bank Debit Card: Online Rewards Debit Card

IndusInd Debit Card

IndusInd debit cards allow national and international transactions in less than a minute. 

You can also enable or disable any feature of the card as per your requirement, making it one of the most hassle-free debit cards out there. IndusInd offers the following debit cards:

  • Pioneer Private Infinite Debit Card

  • Pioneer Infinite Debit Card

  • Delights Debit Card

  • Platinum Exclusive Debit Card

  • Signature Exclusive Visa Debit Card

  • World Exclusive Debit Card

  • World Select Debit Card

  • VISA Signature Debit Card

The IndusInd Bank allows customers to compare debit cards, giving us the freedom to choose the right solution for all our requirements. 

Additionally, IndusInd debit cards also provide benefits, including cashback, reward points, movie tickets, airport lounge access, etc. 


IndusInd Bank Debit Card

Daily Domestic Withdrawal Limit

Daily Domestic Purchase Limit

Annual Charges

Pioneer Private Infinite Debit Card

₹5 Lakh

₹10 Lakh

-

Pioneer Infinite Debit Card

₹5 Lakh

₹10 Lakh

Nil

Delights Debit Card

₹50,000

₹1 Lakh

₹499 + GST

Platinum Exclusive Debit Card

₹2 Lakh

₹4 Lakh

Nil

Signature Exclusive Visa Debit Card

₹2 Lakh

₹4 Lakh

Nil

World Exclusive Debit Card

₹2 Lakh

₹4 Lakh

Nil

World Select Debit Card

₹1.5 Lakh

₹3 Lakh

Nil

VISA Signature Debit Card

₹1.5 Lakh

₹3 Lakh

₹1,499 + GST

Best IndusInd Debit Card: Pioneer World Debit Card

Conclusion

There are hundreds of debit cards available in the market, each catering to a different requirement. Some are designed to address traveling hassle, while others exclusively cater to rewards and discounts. 

Banks are collaborating with third parties such as VISA, metro, etc to introduce hassle-free and secure transactional gateways accessible globally. Understand your needs and choose a debit card that suits you. 

Best Debit Cards in India - FAQs

Yes. Go to the bank’s website or their mobile banking app. Apply for the debit card and you will receive a debit card within the specified time. 
Several banks in India, including ICICI Bank, HDFC Bank, Axis Bank, Bank of Baroda, etc, offer prepaid debit cards. These cards are not linked to any bank account and can be used to make any transaction.

When you open a savings account, most banks provide you with a debit card. However, if you want to issue a specific type of debit card, you must pay an issuance fee. 

Similarly, if you lose your debit card and want your bank to replace it, you must pay an issuance fee. Finally, banks typically charge an annual fee for debit card maintenance.

Yes. Using debit card details, you can easily make purchases on local, national, and international websites based on your debit card. 
Post their expiration date, debit cards become non-functional. You must approach your bank and request a new debit card. 

The starting interest rate depends on factors such as credit history, financial obligations, specific lender's criteria and Terms and conditions. Moneyview is a digital lending platform; all loans are evaluated and disbursed by our lending partners, who are registered as Non-Banking Financial Companies or Banks with the Reserve Bank of India.

This article is for informational purposes only and does not constitute financial or legal advice. Always consult with your financial advisor for specific guidance.

Was this information useful?