Are you looking for a feature-riched debit card from your bank so that you can grab most of the benefits from online shopping on sites like Amazon or Flipkart or you searching a debit card which gives you free unlimited ATM access with a higher cash withdrawal limit?

A debit card is the first thing we get from a bank just after opening a bank account in India. In a country like India, where digital payments are still in the nascent stage, we generally consider, a debit card is for cash withdrawal at ATMs during the emergency period. But a debit card can be used for various purposes other than cash withdrawal. In our previous article, we have discussed various types of debit cards in India and what are the main advantages of debit cards in India. You can read the article here

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Here, in this article, we try to cover the top 10 best debit cards in India based on features, cash withdrawal limits, offers and discounts on various eCommerce websites and several other factors.

Before getting into the actual topic, let us have some ideas about what features you should consider before asking your bank the right kinds of debit cards for you.

Factors to be considered for selecting a Debit Card

Before asking your bank the right kind of debit card, you should consider the following factors

• Selection of Bank: A debit card is an addon product that you will get after opening a savings bank account and top banks have the best and feature-riched debit cards in India. Therefore, select the right banks to get the best debit card.
• Types of Cards: Visa, Mastercard, and Rupay are the three most popular card network providers in India. Clearly ask your Bank, what types of debit card you need. Other than Rupay, all the card payment gateway providers are non-Indian companies and these cards are maybe or may not be international transaction-enabled.
• Security: This is the most important factor nowadays, though the different security measures of the card mainly depend upon the card issuing bank. Therefore, you must select the right bank to open your savings account.
• Contactless Payment Features: For quick and easy payments at merchant outlets, your debit cards should be contactless-enabled. All newer debit cards issued by the banks are now contactless type. I have already discussed some best contactless debit cards in India, you may read the article here.
• ATM Transaction Charges: Some debit cards provide you the only fewer number of free ATM transactions per month and some debit cards give you unlimited free ATM access to any bank’s ATM. Therefore, if you are a person who needs to access the ATM frequently, then you should select the debit card that gives free ATM access.
• Overdraft Facility: Some top banks in India, now started to provide EMI features on debit cards for purchases made from online shopping sites like Amazon or Flipkart. To make your debit card EMI enabled, the card provider banks create an overdraft account instantly whenever you purchase any item from these online shopping sites. The bank then links the overdraft account to your savings account and deducts the monthly installments as per your EMI option.  Some debit cards deduct charges for EMI facilities and some give you the services for free. Though Debit EMI features on debit cards is solely dependent on card-issuing banks and only some selected banks in India have this feature right now.
• Rewards Points: All the top bank debit cards provide you the rewards points based on transactions made using the debit card online. The accumulated Reward Points can be redeemed for instant cashback or discounts on many e-commerce websites for online purchases. Some bank’s debit cards have more acceptance on eCommerce websites than others.
• Card Renewal Charges: Debit Card renewal fee is one of the most important factors you must consider. Premium features on a debit card come with high renewal charges, but you may also get the same features with low renewal fees with some other types of debit cards.
• International Transaction Access: Consider those debit cards which are international transaction enabled, if want to use the debit card for overseas eCommerce websites.

List of Best Debit Cards in India

We generally do not open a bank account for debit cards. We usually look for the best bank first which is most suitable for us. A debit card is a product of a bank that we get after opening a savings account so that we can get access to our bank accounts at any time without depending on bank branches.

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The best bank can offer the best and most feature-riched debit cards, therefore, here we try to cover the top 10 best debit cards in India offered by the top banks in India.

Here’s the list of the top 10 best debit cards in India

Now let’s get in details

1. ICICI Bank Coral Paywave International Debit Card

One of the most popular Gemstone cards offered by ICICI Bank to its customers. The Visa Paywave powered NFC enabled contactless debit card is one of the most secure and feature-rich debit cards in India. The card has tons of offers and discount programs from various eCommerce websites or retail outlets in India. You can also earn Payback rewards points for online debit card spending.

ICICI Bank was the first Indian Bank that offer a Contactless Debit Card to its customers.

Best Features:

• Free movie tickets from BookMyShow, Carnival Cinemas, and Inox.
• The international transaction is enabled.
• Comparatively low renewal fees with the highest online and offline benefits.
• 2 Free Lounge Access per quarter at international and domestic airports.
• High Cash withdrawal Limit (Rs.1.00 Lacs in Indian ATMs and Rs.2.00 Lacs at international ATMs)
• High online purchase limits at online retail outlets.

Annual Renewal Fees: Rs.599 + GST

Card Most Suitable For:

• Lifestyle
• Online Shopping
• Travel
• International Transaction

For More details visit the Official Website.

2. HDFC Bank Rupay Premium Debit Card

One of the best and Rupay Powered debit cards offered by HDFC Bank in India. You can use the card for all Indian eCommerce websites as well as International websites after linking it with Paypal. I have already written an article on how to add a Rupay debit card with PayPal. The card has a very high purchase limit for online and retail merchants (PoS terminals) in India.

If you have multiple bank accounts, I recommend adding a Rupay Debit Card to your card wallet so that you can avail of the RuPay exclusive benefits on different eCommerce websites in India.

Best Features:

• Get all the discounts available for Rupay Cards in different eCommerce sites. For Rupay Card offers, you can visit here.
• High shopping limit up to Rs.2.75 lacs in Indian online shopping sites.
• 5% cashback for utility bill payments on some selected Departmental stores, Supermarkets.
• Cashback on IRCTC websites.
• 2 Premium Airport Lounge access per calendar quarter in Domestic and International airports in partnership Discover.
• Low ATM renewal fees as compare to other HDFC Bank Cards.

Annual Renewal Fees: Rs.200 + GST

Card Most Suitable For:

• Utility Bill Payments.
• Online Shopping
• Cashback
• Grocery Payments

For More details visit the Official Website.

3. Kotak Bank PayShopMore International Chip Debit Card

Another excellent and feature-rich debit card from Kotak Mahindra Bank. The card has excellent online shopping offers from all the leading eCommerce websites in India. You can also use the card for shopping on International shopping sites or for cash withdrawal at any ATM across the globe. The Kotak PayShopMore debit card is available on Visa.

If you are a Kotak Bank customer and looking for a good debit card, then you certainly choose this card for maximum benefits out of your card.

Best Features:

• Free card protection covers up to Rs.50000 for online purchases and up to Rs.2.50 Lacs for the lost card.
• Excellent offers across different eCommerce websites in India, for details on offers, you can visit here.
• You can customize the look of your debit card from Kotak Bank MyImage gallery.
• Complimentary VIP airport lounge access in India and abroad.
• Add ECS eMandate using the debit card for loans or Mutual Fund SIP.

Annual Renewal Fees: Rs.750 + GST

Card Most Suitable For:

• Lifestyle
• Online Shopping
• Travel

For More details visit the Official Website.

4. Axis Bank Burgundy Debit Card

One of the best premium debit cards in India, offered by Axis Bank to its customers. It’s a contactless premium type of debit card available only to Burgundy customers with zero joining and renewal fees. Anyone can avail of the Burgundy card by paying an annual fee of Rs.1500 plus GST. Axis Bank Burgundy Debit card has the highest daily ATM withdrawal limit in India.

If want to be an Axis Bank Burgundy customer, you need to maintain a minimum average monthly balance of Rs.10.00 lacs on your savings bank account, otherwise, you need to pay the high renewal fee.

Best Features:

• High cash withdrawal and online purchase limit.
• Complimentary movie tickets from BookMyShow.
• Daily cash withdrawal limit of Rs.3.00 Lacs and online purchase limit of Rs.6.00 Lacs.
• Axis Edge rewards Program.
• Complimentary free VIP airport lounge access.
• Excellent offers and discounts on eCommerce websites in India.
• Get up to 20% discounts on restaurants in India.
• Lost card liability up to Rs.6.00 Lacs.

Annual Renewal Fees: Rs.1500 + GST

Card Most Suitable For:

• Travel
• International transaction.
• Lifestyle Payments
• Dining Discounts

For more details visit the Official Website.

5. SBI Platinum International Debit Card

The best debit card from India’s largest bank with lots of features and this is one of the few debit cards offered by State Bank of India with an international transaction right, i.e. you can use this card for online transactions made outside India. Also, you can use this debit card for cash withdrawal at SBI’s huge networks of ATM points in India.

If you are an SBI customer and looking for a premium debit card from this PSU bank, then you can consider this feature-rich debit card. The card comes with a Visa, Mastercard, or RuPay platform with card issuance fees of ₹300 plus GST.

Best Features:

• International Transaction enabled debit card.
• High online transaction limit and cash withdrawal limit.
• Debit Card EMI for selected customers.
• Low Card Renewal Fees compared to other premium debit cards in these categories.
• Free complimentary lounge access in Indian and international airports.
• Earn SBI Rewards points with every debit card spending for online shopping.
• Periodic offers and discounts on popular eCommerce websites in India.

Annual Renewal Fees: Rs.250 + GST

Card Most Suitable For:

• Transaction on International websites.
• Online Shopping

For more details visit the Official Website.

6. IndusInd Bank Duo Card

IndusInd Bank Duo Card is the first Debit-Cum-Credit Card in India, i.e. you can use this card both as a Debit or Credit card, you do not need to carry a separate card for that purpose. The card has two EMV chips and two magnetic stripes, but you can create a separate PIN for debit and credit cards.

If you are an IndusInd Bank customer, then you can apply for an IndusInd Bank Duo card from their official website or from the IndusInd Bank Branch. The card comes with a joining fee of ₹1500 plus GST for Duo Plus and ₹3000 plus for Duo Premium.

The card has an exciting range of offers and discounts on several online shopping sites in India. You can also get the  IndusInd Bank rewards points which can be redeemed later.

Best Feature:

• It can be used for both a debit or a credit card. You can use both card features separately from the single card.
• ATM Cash withdrawal limit ₹1.25 Lacs and POS transaction limit ₹2.00 Lacs.
• Waiver of 1% fuel surcharge on transactions between ₹ 400/- to INR 4000/-.(Transaction via Credit Card only)
• Buy one Get one movie ticket on BookMyShow every month.
• Travel Assistance Program from Travel Plus. Waiver of charges on international lounge access.
• Excellent offers and discounts on online and retail outlets.
• Personal Accidental insurance up to Rs.25.00 lacs.

Annual Renewal Fees: Rs.799 + GST

Card Most Suitable For:

• Travel
• Lifestyle payments
• Insurance

For more details visit the Official Website.

7. HDFC Bank Easyshop Platinum Debit Card

HDFC Bank has 4 types of the Platinum variant of debit cards, the features and charges of all the variants are more or less the same. The card has tons of features for online shoppers. The platinum variant of the Debit card has a daily cash withdrawal limit of Rs.1.00  Lacs and an online shopping limit of Rs. 5.00 Lacs. You can also get HDFC Bank cashback points by using this card on eCommerce websites or any Departmental stores for grocery or any other essential daily household purchases. All the debit cards from HDFC Bank have contactless features, i.e. no physical contact is required for transactions up to Rs.5000.

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HDFC Bank is so far the best bank in India. If you are an HDFC Bank customer and looking for a feature-rich premium debit card from the bank, then I must recommend this card. The annual renewal fee of this card is the highest amongst all other variants of debit cards from this bank.

Best Features:

• High cash withdrawal and online shopping limit.
• Option for Debit card EMI facility from leading eCommerce sites like Amazon or Flipkart, if your card is eligible for that.
• Earn Cashback for the amount spent on Supermarkets, Grocery Stores, or any other online PoS transaction at retail stores. You can redeem the cashback for money or purchase items.
• International Transaction enabled. You can activate it from HDFC Bank NetBanking.
• Avail of free Premium Lounge access at Airports as per Card type, i.e. Visa or Mastercard.
• Zero liability of fraudulent transactions up to 90 days prior to reporting card loss.

Annual Renewal Fees: Rs.750 + GST

Card Most Suitable For:

• Online Shopping.
• Cashback.
• International Transaction.
• Lifestyle

For more details visit the Official Website.

8. Visa Platinum DI Debit Card from Bank of Baroda

If you are a Bank of Baroda customer, then this Platinum Debit Card is the best premium debit card offered by the Bank to its customers. If you want to get this card, then you have to make a special request, otherwise, the Bank officials will provide you the regular Classic Rupay or Visa Debit card.

The card has a higher ATM withdrawal or PoS transaction limit and can be used in International Locations. The card can also be used on international sites for online payments. You can enable the international transaction right of this card from the BOB World mobile banking app.

The Visa card has the NFC-enabled contactless feature and can be used for payments up to ₹5000 without any PIN requirement.

Best Features:

• The ATM withdrawal limit is Rs.50000 and the PoS transaction limit is Rs.2.00 Lacs.
• Low Renewal Fee.
• Contactless transactions up to ₹5000.
• It can be used in international transactions as well as cash withdrawals at overseas locations.
• VIP Lounge access program in collaboration with VISA.
• Online shopping benefits with e-commerce websites, Supermarkets, or Restaurants.

Annual Renewal Fees: Rs.200+ GST

Card Most Suitable For:

• Online Shopping
• International Transaction
• Everyday Usage

For more details visit the Official Website.

9. Axis Bank Rewards+ Debit Card

One of the feature-rich & best debit cards offered by Axis Bank with high daily ATM withdrawal and online shopping limit. You can collect 3 Axis Edge Rewards Points on every Rs.300 spent. You can also get one Premium lounge access per quarter at selected Airports. The annual renewal fee is not also very high as compared to other premium debit cards offered by this bank.

The card has tons of offers and discount programs for online shoppers, for current offers on the debit card, you can visit here. You can also design your debit card by paying some extra charges.

Best Features:

• High daily cash withdrawal and online purchase limit.
• Earn cash back on the purchase of movie tickets.
• Earn 3 Axis Edge rewards points on every 300 spent.
• Complimentary one VIP Lounge access per quarter.
• Loss Card liability up to Rs.2.00 Lacs.

Card Most Suitable For:

• Online Shopping.
• Lifestyle
• Everyday Usage

Annual Renewal Fees: Rs.300+ GST

For More details visit the Official Website.

10. Yes Prosperity Platinum Debit Card

Yes Bank is one of the leading Private Banks in India with a huge customer base across the country. The Bank has several variants of the premium debit card, amongst them Yes Prosperity Platinum Debit card is the best for all-round benefits. The card has a high Cash WIthdrawal & PoS transaction limit. You can also collect Yes Bank rewards points which can be used for cashback and discounts in Movie Tickets purchase from BookMyShow mobile App.

The Mastercard Powered Tap & Go contactless debit card can be used in more than 15 lacs ATMs and retail outlets Worldwide as well as unlimited access in ATMs in India. For the latest offers ongoing Mastercard India program, you can visit here.

Best Features:

• High Cash withdrawal and PoS Limit.
• Earn Yes Bank Rewards Points.
• International Transaction enabled.
• Chip-based NFC enabled contactless debit cards for faster check out.
• One complimentary VIP Lounge access per quarter at selected Domestic Airports.
• Loss Card liability protection up to Rs.2.00 Lacs.
• Exclusive Offers and Discounts programs with various online and retail merchants in India. For the latest offers on the Yes Bank debit card, you can visit here.

Card Most Suitable For:

• Online Shopping
• Lifestyle
• Travel

Annual Renewal Fees: Rs.599+ GST

For More details visit the Official Website.

Final Thought

All the debit cards discussed above, are best in their respective categories, but it is a personal choice and it depends upon individuals’ requirements and which banks you are maintaining your accounts. The private banks’ debit card offers more features and benefits whereas, in PSU banks, you won’t find so much choice. Still, you can make most out of your debit card by using it sensibly in online shopping. But one thing you should always remember, a debit card is directly linked to the savings bank account, therefore you should always be extra vigilant while using this card online as well as offline.

So, which debit card you are using? Feel free to share your comments or recommendations below.

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