Best Debit Cards in India 2025: HDFC Platinum, SBI Platinum, HDFC Millennia, ICICI Coral, and Axis Burgundy Compared

Compare India’s best debit cards in 2025: HDFC Platinum vs SBI Platinum vs HDFC Millennia vs ICICI Coral vs Axis Burgundy. Discover cashback, rewards, airport lounge access & banking benefits. Choose the perfect debit card for maximum savings & convenience!

Choosing the best debit card in India is a critical decision for anyone looking to maximize convenience, rewards, and security in their financial transactions. With the surge in digital payments—evidenced by a 20% increase in digital transactions in 2024, as reported by the Reserve Bank of India (RBI)—banks are offering feature-packed debit cards tailored to diverse lifestyles. This blog post compares five premium debit cards: HDFC Platinum Debit Card, SBI Platinum Debit Card, HDFC Millennia Debit Card, ICICI Coral Debit Card, and Axis Bank Burgundy Debit Card. We’ll explore their features, benefits, fees, and suitability to help you identify the best debit card in India for 2025.

Why Choose a Premium Debit Card?

Debit cards have evolved beyond basic ATM withdrawals and point-of-sale (POS) transactions. Today, they offer rewards, cashback, airport lounge access, insurance coverage, and contactless payment options. With India’s digital payment ecosystem growing rapidly, premium debit cards cater to frequent travelers, online shoppers, and high-net-worth individuals. Key benefits include:

• Rewards and Cashback: Earn points or cashback on spends, especially on online platforms.
• Travel Perks: Complimentary airport lounge access for domestic and international travel.
• Security: EMV chip technology and zero-liability protection against fraud.
• Higher Limits: Increased daily withdrawal and purchase limits for flexibility.

This comparison focuses on the HDFC Platinum Debit Card, SBI Platinum Debit Card, HDFC Millennia Debit Card, ICICI Coral Debit Card, and Axis Bank Burgundy Debit Card, evaluating them based on fees, rewards, lounge access, insurance, and more.

1. HDFC Platinum Debit Card

The HDFC Platinum Debit Card is a flagship offering from HDFC Bank, renowned for its cashback benefits and travel perks. It’s designed for customers seeking a balance of rewards and security.

Key Features

• Annual Fee: ₹750 + GST (waived for Classic, Preferred, and Imperia customers).
• Cashback:
  • 0.5% to 1% on regular spends.
  • Up to 10% cashback on HDFC SmartBuy (capped at ₹1,000/month).
• Lounge Access: 8 complimentary domestic lounge visits per year (requires ₹5,000 spend in the previous quarter).
• Insurance: Personal accidental death cover up to ₹10 lakh.
• Withdrawal Limits:
  • ATM: ₹1 lakh daily.
  • POS: ₹5 lakh daily.
• Contactless Payments: Enabled with EMV chip for secure transactions.
• Additional Perks:
  • 1% cashback on credit card bill payments via HDFC BillPay (except HDFC cards).
  • Fuel surcharge waiver on transactions at HDFC Bank swipe machines.

Best For

Frequent travelers and online shoppers leveraging HDFC’s SmartBuy platform.

2. SBI Platinum International Debit Card

The SBI Platinum International Debit Card from State Bank of India is a versatile card with global acceptance and rewards tailored for everyday spends.

Key Features

• Annual Fee: ₹250 + GST.
• Rewards:
  • 2 SBI Rewardz points per ₹200 spent on shopping, dining, fuel, travel, or online payments.
  • 200 bonus points on the first three purchases; doubled rewards in the birthday month.
• Lounge Access: Complimentary access at select domestic and international lounges (subject to network provider changes).
• Insurance:
  • Personal accidental death cover up to ₹10 lakh.
  • Air accident and lost baggage coverage.
• Withdrawal Limits:
  • ATM: ₹1 lakh daily.
  • POS: ₹2 lakh daily.
• Additional Perks:
  • Fuel surcharge waiver up to 2.5%.
  • Contactless payments with EMV chip.

Best For

Budget-conscious users seeking rewards on everyday spends and occasional travel perks.

3. HDFC Millennia Debit Card

The HDFC Millennia Debit Card is tailored for millennials and digital natives, offering high cashback on online spends and travel benefits.

Key Features

• Annual Fee: ₹500 + GST.
• Cashback:
  • 5% on PayZapp and SmartBuy transactions.
  • 2.5% on online spends.
  • 1% on offline spends and wallet reloads (capped at 400 points/month).
• Lounge Access: 4 complimentary domestic lounge visits per year (one per quarter, requires ₹5,000 spend in the previous quarter).
• Insurance: Accidental death cover up to ₹10 lakh.
• Withdrawal Limits:
  • ATM: ₹50,000 daily.
  • POS: ₹3.5 lakh daily.
• Additional Perks:
  • Contactless payments with EMV chip.
  • Cashback points valid for 12 months.

Best For

Young professionals and online shoppers prioritizing cashback on digital spends.

4. ICICI Coral Paywave Contactless Debit Card

The ICICI Coral Debit Card is a premium offering with a focus on rewards, lounge access, and entertainment benefits.

Key Features

• Annual Fee: ₹599 + GST.
• Rewards:
  • 2 reward points per ₹200 spent domestically.
  • 4 reward points per ₹200 spent internationally.
• Lounge Access: 2 complimentary domestic lounge visits per quarter (requires ₹3,000 spend in the previous quarter from the third quarter onward).
• Insurance: Personal accidental death cover up to ₹10 lakh.
• Withdrawal Limits:
  • ATM: ₹1 lakh daily.
  • POS: ₹7.5 lakh daily.
• Additional Perks:
  • 25% discount (up to ₹100) on movie tickets via BookMyShow (once monthly).
  • 25% discount (up to ₹50) on INOX tickets (twice monthly).
  • Contactless payments with zero-liability protection.

Best For

Movie buffs and frequent travelers seeking a balance of rewards and lounge access.

5. Axis Bank Burgundy Debit Card

The Axis Bank Burgundy Debit Card is an exclusive card for high-net-worth individuals enrolled in the Burgundy program, offering premium perks and high limits.

Key Features

• Annual Fee: ₹1,500 + GST (waived for Burgundy account holders with high balance).\
• Rewards:
  • 2 reward points per ₹200 spent.
  • Accelerated points on select categories like dining and travel.
• Lounge Access: 8 complimentary domestic and 4 international lounge visits per year.
• Insurance:
  • Personal accidental death cover up to ₹15 lakh.
  • Purchase protection and lost baggage coverage.
• Withdrawal Limits:
  • ATM: ₹2 lakh daily.
  • POS: ₹6 lakh daily.
• Additional Perks:
  • 25% discount on movie tickets via BookMyShow.
  • Fuel surcharge waiver and contactless payments.

Best For

Affluent customers seeking premium travel perks and high transaction limits.

Comparison Table: Key Features of the Best Debit Cards in India 2025

Feature	HDFC Platinum	SBI Platinum	HDFC Millennia	ICICI Coral	Axis Burgundy
Annual Fee	₹750 (waived for premium accounts)	₹250	₹500	₹599	₹1,500 (waived for Burgundy)
Cashback/Rewards	0.5%-10% (SmartBuy)	2 points/₹200	1%-5% (PayZapp/SmartBuy)	2-4 points/₹200	2 points/₹200
Lounge Access	8 domestic/year	Select lounges	4 domestic/year	2 domestic/quarter	8 domestic, 4 international/year
Insurance	₹10 lakh	₹10 lakh	₹10 lakh	₹10 lakh	₹15 lakh
ATM Limit	₹1 lakh/day	₹1 lakh/day	₹50,000/day	₹1 lakh/day	₹2 lakh/day
POS Limit	₹5 lakh/day	₹2 lakh/day	₹3.5 lakh/day	₹7.5 lakh/day	₹6 lakh/day
Contactless Payments	Yes	Yes	Yes	Yes	Yes

Which is the Best Debit Card in India for 2025?

Choosing the best debit card in India depends on your lifestyle, spending habits, and priorities. Here’s a breakdown to help you decide:

• Best for Online Shoppers: HDFC Millennia Debit Card shines with 5% cashback on PayZapp and SmartBuy, making it ideal for digital natives. Its lower annual fee and no-cost option for Savings Max account holders add value.
• Best for Frequent Travelers: Axis Bank Burgundy Debit Card leads with 8 domestic and 4 international lounge visits, plus high transaction limits, catering to affluent travelers.
• Best for Budget-Conscious Users: SBI Platinum International Debit Card offers a low annual fee, decent rewards, and insurance, making it suitable for cost-conscious users who still want perks.
• Best for Balanced Benefits: HDFC Platinum Debit Card provides a mix of high cashback (via SmartBuy), lounge access, and insurance, appealing to those seeking versatility.
• Best for Entertainment Lovers: ICICI Coral Debit Card stands out with movie ticket discounts and high POS limits, perfect for urban users who enjoy entertainment and dining.

Our Top Pick

The HDFC Platinum Debit Card emerges as the best debit card in India for 2025 for most users due to its high cashback potential (up to 10% on SmartBuy), generous lounge access (8 visits/year), and comprehensive insurance coverage. Its annual fee is waived for premium account holders, making it cost-effective for HDFC’s Classic, Preferred, or Imperia customers.

Factors to Consider When Choosing a Debit Card

1. Spending Habits: If you shop online frequently, prioritize cards like HDFC Millennia or Platinum for cashback. For offline spends, SBI or ICICI cards offer consistent rewards.
2. Travel Needs: Frequent flyers should opt for Axis Burgundy or HDFC Platinum for lounge access.
3. Fees and Charges: Look for cards with low or waived annual fees, like SBI Platinum or HDFC Millennia (for specific accounts).
4. Security Features: All five cards offer EMV chip technology and contactless payments, but check for zero-liability protection (e.g., ICICI Coral).
5. Bank Relationship: Premium cards like Axis Burgundy require high-balance accounts, so ensure you meet eligibility criteria.

How to Apply for These Debit Cards

1. HDFC Platinum and Millennia Debit Cards:
   • Visit HDFC Bank’s official website or a branch.
   • Apply via NetBanking if you have an existing savings/current account.
2. SBI Platinum International Debit Card:
   • Apply online at SBI’s website or through a branch.
   • Requires an SBI savings/current account.
3. ICICI Coral Debit Card:
   • Apply via ICICI Bank’s website or a branch.
   • Must have an ICICI savings/current account.
4. Axis Bank Burgundy Debit Card:
   • Exclusive to Burgundy account holders; contact your relationship manager or visit Axis Bank’s website.

Final Thought

The best debit card in India depends on your financial goals and lifestyle. The HDFC Platinum Debit Card is our top recommendation for its versatile rewards, lounge access, and premium benefits, especially for HDFC’s premium customers. However, the HDFC Millennia Debit Card is perfect for online shoppers, the Axis Bank Burgundy Debit Card suits high-net-worth travelers, the SBI Platinum Debit Card is budget-friendly, and the ICICI Coral Debit Card appeals to entertainment enthusiasts.

Evaluate your needs, compare features, and choose a card that aligns with your spending habits. For the latest offers and terms, visit the respective bank websites or contact their customer service.