Imagine having a debit card that not only simplifies your daily transactions but also offers a world of exclusive privileges and benefits.
In this blog, we will delve into the world of Platinum Debit Cards and answer your lingering question - how to get Platinum Debit Card in India?
We'll explore what Platinum Debit Cards are, their exceptional features, and the eligibility criteria to obtain one.
Additionally, we'll outline the documents required and provide you with a step-by-step guide on how to get your hands on this coveted card.
So, if you're ready to elevate your banking experience and enjoy premium perks, keep reading to discover how to get a Platinum Debit Card in India.
Here's a step-by-step guide on how to get your own Platinum Debit Card.
Research and select a bank that offers a Visa or a RuPay Platinum Debit Card with features aligned with your needs.
For example, if you wish to know how to get SBI Platinum Debit Card, then you must open a savings or a current account with SBI, fill out an application form for a Platinum Debit Card, and submit it with the required documents at the nearest branch.
Visit the bank's branch or access their official website.
Confirm your eligibility for a Visa or a RuPay Platinum Debit Card by speaking to a bank representative or checking their website.
Collect all necessary documents, including identity proof, address proof, income proof, and passport-sized photographs.
Obtain the Platinum Debit Card application form from the bank or fill it out online if available.
Submit the completed application form along with the required documents to the bank.
The bank will verify your application and documents, and upon approval, your Platinum Debit Card will be issued.
Follow the activation instructions provided by the bank to start using your Platinum Debit Card.
Also Read: How to Track ATM Card Delivery Status
A Platinum Debit Card is a premium banking card that offers enhanced features and exclusive benefits beyond what a regular debit card provides.
It is a special category of debit cards issued by ‘Visa’ - one of the topmost globally recognized payment platforms that issue debit and credit cards worldwide.
It is designed to cater to the financial needs of individuals seeking a higher level of service and additional privileges.
However, at this point, you might also be wondering about RuPay Platinum Debit Cards.
Well, RuPay is an Indian domestic payment platform that issues credit and debit cards for the Indian population.
We will also answer your question - how to get RuPay Platinum Debit Cards?
Well, you simply need to have a premium savings account with banks like SBI, HDFC, ICICI, Axis, etc., and they could grant you a RuPay Platinum Debit Card.
In Axis Bank, if you have a Senior Privilege Savings Account or a Women Savings Account, you could also be eligible for a RuPay Platinum Debit Card.
Platinum Debit Cards come packed with an array of features and benefits, such as the following.
This is a premium 24/7 service that is only permitted for platinum card holders.
This service assists you with activities like flight reservations, hotel and restaurant reservations, travel planning, car rental reservations, etc.
Visa’s secure network infrastructure is built with multiple security and authentication protocol layers.
This ensures safe transactions across physical stores and online networks when you use your platinum debit card.
Enjoy increased cash withdrawal limits from ATMs.
Make larger transactions with higher daily purchase limits.
This is applicable for both PoS and online transactions.
Having a Platinum Debit Card often gives you access to airport lounges for a comfortable pre-flight experience.
Your debit card usage is not restricted to geographic limits when you are a platinum debit cardholder!
Yes, you get access to over 1.9 million ATMs worldwide with the Visa Platinum Debit card.
You can withdraw cash from anywhere across the world.
Avail discounts on dining, shopping, and travel at partner establishments.
Some Platinum Debit Cards offer insurance coverage, including travel insurance and purchase protection.
Platinum cardholders often receive priority customer service, ensuring quick assistance for any banking needs.
This customer assistance is global in nature.
So, if it happens that while traveling abroad, you lose your card or it stops working, this round-the-clock customer assistance program will have you covered.
Not everyone is eligible to get a Platinum Debit Card.
To be eligible for a Platinum Debit Card, you typically need to meet specific criteria set by your bank.
While eligibility criteria can vary across the banks and NBFCs in India, it generally includes the following.
A specified minimum account balance or a premium account type.
A good credit history and financial stability.
Meeting the age requirement set by the bank, usually 18 years or older.
Meeting the income level or job designation decided by the bank or NBFC.
To apply for a Platinum Debit Card, you will generally need to provide the following documents.
Aadhar card, passport, voter ID, or any government-issued photo ID.
Passport, utility bills, or any document with your current address.
Salary slips, income tax returns, offer letters, and bank statements.
Recent passport-sized photographs as per the bank's specifications.
A Platinum Debit Card is your passport to a world of exclusive privileges and superior banking services.
It offers numerous benefits, including higher spending limits, access to airport lounges, and exclusive discounts.
By meeting the eligibility criteria and providing the necessary documents, you can easily apply for and obtain a Platinum Debit Card in India.
So, take the next step towards an upgraded banking experience and enjoy the premium perks that come with it.
To get a Platinum Debit Card, you need to open a savings or a current account at a bank that offers this specific debit card to its account holders.
Then, you need to fill out an application form and submit it with the required documents at the bank branch, and finally, wait for verification and approval.
For the SBI Platinum debit card, you need to provide your: driving license, passport (mandatory for NRIs), Voter ID, PAN Card, Aadhar Card, and any document that has your photo and has been verified by the Central/State government.
The eligibility criteria for a Platinum Debit Card holder varies with banks and NBFCs.
However, it’s true that they must have a good credit history, financial and job stability, and also hold one account with the concerned bank or NBFC.
The charges on Platinum debit cards vary from bank to bank.
Usually, the charges for Visa Platinum Debit Card and Mastercard Platinum Debit Card are way more than RuPay Platinum Debit Card.
No, everyone cannot get a Platinum Debit Card.
Those who qualify are usually individuals with a great credit score, lengthy credit history, and have relatively high income than others.
Thank you. Your feedback is important to us.
