The HDFC Bank Imperia Platinum Debit Card offers a luxurious banking experience, crafted specifically for customers enrolled in the Imperia Banking Program. This premium debit card provides high transaction limits, exclusive privileges, lifestyle offers, and strong insurance protection. If you’re looking for a debit card that goes beyond basic transactions, this one deserves your attention.
In this guide, you’ll discover all the essential details—from features and benefits to eligibility and fees.
- What Is the HDFC Imperia Platinum Debit Card?
- Key Features of the HDFC Imperia Platinum Debit Card
- Who Can Apply for HDFC Imperia Platinum Debit Card?
- Fees and Charges of HDFC Imperia Platinum Debit Card
- How to Apply for the HDFC Imperia Platinum Debit Card
- Summary of Benefits
- Who Should Get This Card?
- Final Thoughts
- Frequently Asked Questions (FAQs)
What Is the HDFC Imperia Platinum Debit Card?
Unlike regular debit cards, the Imperia Platinum Debit Card brings added prestige and personalized benefits. HDFC Bank designed this card to reward its high-value customers with a wide array of lifestyle and financial advantages.
Key Features of the HDFC Imperia Platinum Debit Card
1. Cashback Offers on Swiggy and BookMyShow
This card lets you save while spending:
- Get 5% cashback on orders placed through Swiggy, capped at ₹150 cashback points per month.
- Enjoy a 25% cashback on movie ticket bookings via BookMyShow, capped at ₹250 cashback points monthly.
You can accumulate cashback points each month and redeem them through HDFC Bank’s rewards portal.
2. Complimentary Golf Sessions
HDFC Bank rewards active users with free golf access and lessons at select courses across India.
- To qualify, you need to spend ₹10,000 or more in the previous calendar quarter using your Imperia Platinum Debit Card.
So if you enjoy golf, this card enhances your lifestyle in a meaningful way.
3. Higher Daily Limits
This card supports larger transactions compared to standard debit cards:
- ATM Withdrawal Limit: ₹3 lakh per day
- Shopping/POS Limit: ₹5 lakh per day
These high limits make it ideal for high-spending individuals and frequent travelers.
4. Strong Insurance Protection
The Imperia Platinum Debit Card provides a comprehensive insurance package. Here’s what you get:
| Insurance Type | Coverage Amount |
|---|---|
| Accidental Death (Air/Rail/Road) | ₹15 lakh |
| International Air Accident Cover | ₹3 crore (when ticket is booked using the card) |
| Fire & Burglary Protection | Up to ₹2 lakh (valid for 6 months post-purchase) |
| Lost Baggage Cover | Up to ₹2 lakh |
| Purchase Protection | Covers products bought using the card |
Because of these covers, you stay protected during travel and high-value purchases.
5. Zero Liability on Card Loss
If someone misuses your card after you lose it, you won’t bear any financial loss—as long as you report the issue within 30 days of the last unauthorized transaction.
This feature gives you peace of mind, especially during travel or emergencies.
6. Worldwide Acceptance
You can use the card globally at millions of merchant outlets and ATMs. It also works for online shopping and international transactions, making it perfect for both domestic and global spending.
Whether you’re at home or abroad, you’ll never struggle to access your funds.
Who Can Apply for HDFC Imperia Platinum Debit Card?
You must meet the following criteria to get the HDFC Imperia Platinum Debit Card:
- Be a registered Imperia customer with HDFC Bank.
- Hold one of the eligible accounts:
- Savings Account
- Current Account
- SuperSaver Account
- Salary Account
- Loan Against Shares (LAS) Account
- Be a Resident Indian or NRE account holder.
Only HDFC’s premium customers qualify for this exclusive card.
Fees and Charges of HDFC Imperia Platinum Debit Card
Although the card is packed with features, it comes at a nominal cost:
| Particulars | Charges |
|---|---|
| Annual Fee | ₹850 + GST (waived for Imperia customers) |
| Card Replacement Fee | ₹200 + GST |
| Foreign Currency Markup | 3.5% + applicable taxes |
| ATM Decline Fee | ₹25 + taxes (for insufficient balance) |
In most cases, HDFC Bank waives the annual fee for Imperia customers.
How to Apply for the HDFC Imperia Platinum Debit Card
You can choose from multiple methods to apply:
Through NetBanking
- Log in to your HDFC Bank NetBanking account.
- Navigate to Cards > Debit Cards > Request Debit Card.
- Select Imperia Platinum Debit Card and confirm your request.
At an HDFC Branch
Visit your nearest HDFC Bank branch and request a card upgrade. Carry valid KYC documents for quicker processing.
Via Relationship Manager
If you have an assigned Relationship Manager (RM), ask them to arrange the card upgrade for you.
HDFC Bank ensures a smooth and quick issuance process.
Summary of Benefits
Here’s a quick overview of everything this premium debit card offers:
| Feature | Description |
|---|---|
| Cashback Benefits | ₹400 monthly from Swiggy & BookMyShow |
| Golf Privileges | Complimentary games/lessons every quarter |
| High Spending Limits | ₹3 lakh ATM and ₹5 lakh POS limit |
| Travel and Purchase Insurance | Coverage up to ₹3 crore |
| Global Access | Use at international ATMs and merchants |
| Zero Liability | Protection from card fraud on timely report |
As you can see, it’s a perfect card for both everyday use and high-end spending.
Who Should Get This Card?
If you belong to HDFC Bank’s Imperia program and frequently spend on travel, shopping, or lifestyle experiences, this card is for you. It adds convenience, luxury, and safety to your banking experience.
Moreover, business owners and professionals who require higher transaction limits will find this card extremely useful.
Final Thoughts
The HDFC Imperia Platinum Debit Card delivers unmatched value for elite banking customers. With high daily limits, exclusive cashback, complimentary golf, and strong insurance cover, it outperforms many credit and debit card offerings in the market. HDFC has designed this card to offer more than just payment convenience—it enhances your lifestyle.
So, if you qualify, apply today and unlock a world of privileges.
Frequently Asked Questions (FAQs)
Only HDFC Imperia Banking customers with eligible savings or current accounts can apply for this card.
You can withdraw up to ₹3 lakh per day using your Imperia Platinum Debit Card at ATMs.
The annual fee is ₹850 + GST; however, it’s waived for eligible Imperia customers.
It offers accidental death cover up to ₹15 lakh and international air accident cover up to ₹3 crore.
You can apply through NetBanking, by visiting an HDFC Bank branch, or by contacting your Relationship Manager.
Yes, the card is accepted at millions of international ATMs and merchant outlets.
Report it immediately to HDFC Bank. You’ll get zero liability for unauthorized transactions made within 30 days of reporting.