Home›Learning Center›HDFC Visa Platinum Debit Card Lounge Access – Benefits & List
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LoansJagat Team
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22 Jul 2025
HDFC Visa Platinum Debit Card Lounge Access – Benefits & List
cards
The HDFC Visa Platinum Debit Card provides complimentary access to select domestic airport lounges in India. This benefit adds comfort to your journey and is available a limited number of times per quarter.
Example for Easy Understanding
Karan, a software engineer from Hyderabad, holds an HDFC Visa Platinum Debit Card. He uses his card regularly for groceries, utility payments, and online shopping. Over three months, his total spending made him eligible for free lounge access, which he used during a trip from Hyderabad Airport.
Expense Type
Monthly Spend (₹)
Quarterly Total (₹)
Online Shopping
6,000
18,000
Groceries
5,000
15,000
Utility Bill Payments
4,000
12,000
Total
₹45,000
Karan’s total quarterly spend of ₹45,000 qualified him for complimentary lounge access. Always check your card’s terms, as eligibility and access frequency may vary with network providers and card usage.
Features and Benefits of HDFC Visa Platinum Debit Card Lounge Access
Features
Benefits
Cashback points on Platinum Debit Card
Earn 1 Cashback Point on every ₹100 spent on Telecom and Utility payments.
Earn 1 Cashback Point on every ₹200 spent on Groceries, Supermarkets, Restaurants, Apparels, and Entertainment.
The maximum cashback limit is ₹750 per account per month.
No cashback is given for categories not listed above.
Cashback is awarded only on eligible Merchant Category Codes (MCC).
Higher Debit Card Limits
Enjoy a daily shopping limit of ₹5 lakh (Domestic & International combined).
Withdraw up to ₹1 lakh daily from ATMs (Domestic & International combined).
Use your HDFC Bank Debit Card to withdraw cash at shops, up to ₹2,000 per transaction.
The monthly cash withdrawal limit at the POS is ₹10,000.
Airport Lounge access offer
Get complimentary airport lounge access across India with this Debit Card.
Enjoy 2 free lounge visits per calendar quarter.
From 1st January 2024, spend ₹5,000 or more in the previous quarter to receive the lounge benefit.
Insurance Cover:
Get Death Cover via Air, Road, or Rail – Sum insured up to ₹15,00,000.
Enjoy fa lat ₹3 Crore International Air Accident Cover on air ticket purchases using your Debit Card.
Fire & Burglary cover for items bought with Debit Card (within 6 months) – Sum insured up to ₹2,00,000.
Loss of checked baggage cover – Sum insured up to ₹2,00,000.
To claim Fire, Burglary, or Baggage Loss Insurance, make at least 1 Debit Card purchase within 3 months before the event.
If you hold multiple cards, the insurance will apply only to the card with the highest sum insured.
From 1st July 2014, use your Debit Card at a shop or online at least once every 30 days to keep the free Personal Death Insurance active.
Enjoy Zero Liability for fraudulent POS transactions done up to 30 days before reporting card loss.
Fuel Surcharge Reversal
Effective 1st January 2018, no fuel surcharge on HDFC Bank swipe machine transactions.
Offer valid only at government petrol pumps (HPCL, IOCL, BPCL).
Applicable exclusively for transactions made using HDFC Bank card swipe machines.
Debit Card - EMI
Enjoy no-cost EMI on top brands in electronics, furniture, apparel, smartphones, and more.
Convert purchases above ₹5,000 into easy EMIs.
Check your pre-approved eligible amount on your Debit Card.
Eligibility Criteria for HDFC Visa Platinum Debit Card Lounge Access
You will receive complimentary lounge access in a calendar quarter only if you have spent ₹5,000 or more in the previous calendar quarter using your HDFC Bank Debit Card.
Example:
If you spend at least ₹5,000 between October 2023 and December 2023, you will be eligible for lounge access from January 2024 to March 2024, and so on for each quarter.
Note:
The number of free lounge visits per quarter depends on the features of your Debit Card.
HDFC Bank updates spend data by the 10th of the first month of every new quarter.
How to Use an HDFC Visa Platinum Debit Card for Lounge Access?
To enjoy complimentary lounge access using your HDFC Visa Platinum Debit Card, follow these simple steps:
Find a Participating Lounge: Check if the airport lounge is part of the HDFC Bank lounge access programme.
Present Your Card and Boarding Pass:
At the lounge, show your HDFC Visa Platinum Debit Card along with a valid same-day boarding pass.
Card Swipe and Verification: The lounge staff will swipe your card and charge a small verification fee (₹2–₹25). This fee may or may not be refunded, depending on the card network.
Access the Lounge: Once your card is validated, you can enjoy lounge amenities like Wi-Fi, snacks, beverages, and seating.
Meet the Minimum Spend Requirement: From 1st January 2024, you must spend at least ₹5,000 in the previous calendar quarter to be eligible for complimentary lounge access.
By following these steps, you can make the most of your HDFC Visa Platinum Debit Card at airports across India.
HDFC Participating Airport Lounges
City
Lounge Name
Terminal
Bangalore
Blr Domestic Lounge
Terminal 1
Chennai
Travel Club Lounge B
Terminal 1
Chennai
Travel Club Lounge A
Terminal 1
Chennai
Travel Club Lounge
Terminal 2
Hyderabad
Encalm lounge
Terminal 1
Hyderabad
Encalm lounge
Terminal 1
Kolkata
Travel Club Lounge
Terminal 1
Mumbai
Loyalty Lounge
Terminal 2
Mumbai
Adani Lounge
Terminal 2
New Delhi
Encalm Lounge
Terminal 3
New Delhi
Encalm Lounge
Terminal 3
Conclusion
The HDFC Visa Platinum Debit Card offers a comfortable travel experience with complimentary airport lounge access. To enjoy this benefit, simply meet the minimum spend requirement and present your card with a valid boarding pass. This feature adds value to your journeys and enhances convenience at airports, which is also very helpful..
FAQ’s
1. How can I access airport lounges with my HDFC Visa Platinum Debit Card? Present your HDFC Visa Platinum Debit Card and a valid same-day boarding pass at a participating lounge for entry.
2. Is there any fee for lounge access verification? Yes, a small fee of ₹2–₹25 is charged during card verification, which may or may not be refunded.
3. How many free lounge visits do I get per quarter? You get 2 complimentary lounge visits per calendar quarter, depending on your card’s features.
4. What is the minimum spend required for lounge access? From 1st January 2024, you must spend ₹5,000 or more in the previous quarter to get free lounge access.
5. When is the spend data updated for eligibility? HDFC Bank updates spend data by the 10th day of the first month of every new calendar quarter.
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