We have different types of debit cards issued by various banks in India. In this small yet informative post, we will cover some of the best debit cards in India which offer various benefits like Airport lounge access, cashback on spending and even some movie benefits.
1. RBL Signature+ Debit Card
Joining Fee: ₹5000+GST
Renewal Fee – ₹1500+GST
Major Benefits:-
- You get a welcome benefit of ₹5000 vouchers (Only 50% can be redeemed as Amazon Pay vouchers).
- You get a 0% Forex Markup Fee on international transactions
- You get 1% cashback on spends above ₹10,000 in a month. Here’s the list of MCC not eligible for the cashback
- You get 2 Complimentary domestic airport lounge access per quarter
Here’s a link to the article on RBL Signature+ Debit Card Review by Cardexpert
2. HDFC Millenia Debit Card
Joining/Annual Fee:- ₹500+GST
Benefits:-
- 5% on PayZapp and SmartBuy
- 2.5% cashback on all online spends
- 1% on all offline/wallet spends
- 4 complimentary domestic airport lounge visits annually
Note:-
- The cashback cap is ₹400 per month, and cashback is only for transactions over ₹400domestic airport lounge visits annually
- Millenia card attracts no annual fees for Premium salary accounts
3. RBL Enterprise Debit Card
Joining Fee:- ₹7500+GST
Annual Fee: ₹2000+GST
Benefits:-
- You get ₹7500 gift vouchers as joining benefits (Only 50% can be redeemed as Amazon Pay vouchers).
- You get 2 complimentary domestic lounge visits per quarter
- You get 0 forex markup on International spends
- You get cashback on various types of spending. Here’s a clear picture of the same
Here’s an interesting thread on RBL Enterprise Debit Card that gives more clear information
4. Kotak PVR Debit Card
Annual Fee:- ₹499 + Taxes
Benefits:-
- 10 reward points on PVR per ₹100
- 0.5 reward points on other spends per ₹100
- PVR Food & Beverage voucher worth ₹500 as a joining benefit and voucher worth ₹200 on payment of AMC
- 1RP = ₹1
If you’re a movie buff like me and spend a lot on PVR, this card might be for you
5. Axis Burgundy Debit Card
Annual Fee:- ₹0
Benefits:-
- 2 EDGE reward points on domestic spends per ₹200
- 6 EDGE reward points on other spends per ₹100
- 3 complimentary domestic airport lounge visits per quarter
For Burgundy customers, there’s no annual fee, and according to sources, it’s 3000+ taxes for everyone else
6. HDFC Platinum Debit Card
Joining/Annual Fees:- ₹750+GST
Benefits:-
- Get Cashback on spending on the following
- You get two complimentary domestic airport lounge access
- You get the following insurance benefits with the card
Conclusion
These are some of the best debit cards you can get in 2024. These are my personal opinions below. Please comment if I’ve missed anything
It’s important to compare the fees, rewards and benefits of different cards before applying and check the card’s acceptance network before you travel.