Top Debit Cards of 2025 - 2026 you Must Know!

Debit cards continue to be one of the most reliable modes of cashless transactions. But in 2025, the Best debit cards are Offering much more than basic banking — reward points, cashback, security, international features and even health insurance benefits. With increasing digital adoption, security and user experience have become major differentiators. Here's a comprehensive list of the top-performing debit cards you can consider this year.

Best Debit Cards to Pick 2025 - 2026

• SBI Debit Card
• HDFC Debit Card
• Axis Bank Debit Card
• ICICI Bank Debit Card
• Yes Bank Debit Card
• Kotak Mahindra Debit Card
• HSBC Debit Card

1. Best SBI Debit Cards

SBI offers a wide Range of debit cards to cater to the needs and demands of their various customers. These are some of the popular debit cards offered by the State Bank of India:

• State Bank Classic Debit Card
• State Bank Global International Debit Card
• SBI Platinum International Debit Card
• SBI Mumbai Metro Combo Card
• SBIIntouch Tap and Go Debit Card
• SBI Pride Card
• SBI premium Debit Card

Security Features

• All SBI debit cards now come with EMV chip technology for enhanced security.
• Real-time SMS/email alerts for every transaction.
• Tap & Go contactless payment support for select cards.
• Mobile app and net banking options to temporarily block/unblock cards, set usage limits, and enable international transactions.
• Security: Chip-based cards with 3D Secure, Visa Secure & Mastercard Identity Check

Features and Benefits

• Zero ATM withdrawal charges at SBI ATMs
• 1 reward point per ₹200 spent
• Exclusive Amazon grocery offers (up to 10% off)
• ₹500 Amazon voucher on ₹5,000+ spend (first 3 purchases)

2. Best HDFC Debit Cards

HDFC Bank provides a diverse range of debit cards tailored to meet the varying needs of its customers. Below is a selection of notable debit cards currently offered:

• Millenia Debit Card
• Easyshop Imperia Platinum Chip Debit Card
• Easyshop Preferred Platinum Debit Card
• Easyshop Platinum Debit Card
• HDFC Bank Rewards Debit Card
• Easyshop Business Debit Card
• RuPay Premium Debit Card
• Easy Shop Rupay NRO Debit Card
• JetPrivilege HDFC Bank Signature Debit Card
• Easyshop Woman’s Advantage Debit Card
• Easyshop Titanium Royal Debit Card
• Easyshop Titanium Debit Card
• Easyshop Gold Debit Card

Security Features

• All cards come with EMV chips for secure in-store transactions and fraud prevention.
• Two-Factor Authentication (2FA) - OTP verification ensures secure online payments and authorised access.
• Real-time SMS and email notifications for every transaction.
• Enable/disable tap-to-pay and set limits via NetBanking.
• Prevents keylogging when using public/shared computers.
• NetBanking logs you out automatically after inactivity.
• Secure Website (SSL Certificates) - All HDFC Bank sites are encrypted for safe browsing.
• Set transaction limits, block/unblock cards, and manage international or online usage via NetBanking.

Features and Benefits

• Cashback on e-commerce spends
• Reward points redeemable on travel, fashion, and more
• Complimentary health insurance on premium cards
• Security: App-based control, real-time alerts, advanced fraud detection

3. Best Axis Bank Debit Cards

Axis Bank offers a diverse range of debit cards tailored to meet the varying needs of its customers. Below is a selection of notable debit cards currently offered:

• Burgundy Debit Card
• Priority Debit Card
• Prestige Debit Card
• Delight Debit Card
• Value Plus Debit card
• Online Reward Debit Card
• Secure+ Debit Card
• RuPay Platinum Debit Card
• Power Salute Debit Card
• Wealth Debit Card

Features and Benefits

• Earn eDGE Reward Points or cashback on categories like online shopping, groceries, dining, fuel, and utilities.
• Premium cards like Burgundy, Priority, and Delight offer complimentary lounge access at domestic airports.
• Get benefits with BookMyShow, INOX, Swiggy, Zomato, TataCliq, Amazon, and more.
• Enjoy enhanced daily ATM withdrawal and purchase limits, especially on Prestige, Power Salute, and Wealth cards.
• Some cards offer tailored benefits for women, youth, and defense personnel.
• Special vouchers and memberships (e.g., Times Prime) upon achieving annual spend targets.

Security Features

• All Axis debit cards are chip-enabled for secure transactions at ATMs and PoS terminals.
• OTP verification is required for all online transactions to ensure secure access.
• SMS and email notifications for every transaction help track activity and detect fraud instantly.
• Enable or disable online, ATM, and international usage directly from the Axis Bank mobile app.
• Set or modify daily usage limits for added control and safety.
• Instantly block or unblock your card in case of suspected fraud or loss, via Internet/Mobile Banking.
• Most cards include complimentary personal accident insurance and fraud liability cover for added peace of mind.

4. Best ICICI Bank Debit Cards

ICICI Bank offers numerous personal debit cards that will take care of your requirements and suit every need of yours.

• ICICI Bank Private Banking Visa Infinite Debit Card
• Signature Debit Card
• Platinum Chip Card
• Titanium Debit Card
• Woman’s Debit Card
• World Debit Card
• Titanium Family Debit Card
• Smart Shopper Silver Debit Card
• Gold Debit Card
• NRE Debit Card
• NRO Debit Card
• Senior Citizen Gold
• Young Stars Debit Card

Features and Benefits

• Earn eDGE Reward Points and cashback on shopping, dining, travel, fuel, and utility bill payments.
• Select cards like Burgundy, Priority, and Delight offer free lounge access at domestic airports.
• Enjoy discounts and vouchers from partners like BookMyShow, Amazon, Swiggy, Zomato, and EazyDiner.
• Premium cards provide enhanced daily ATM withdrawal and purchase limits—ideal for high spenders and professionals.
• Cards available for specific customer segments like defence personnel (Power Salute), business users, and Wealth Banking clients.
• Complimentary personal accident cover, air accident cover, and purchase protection on most premium cards.
• Unlock additional perks like Times Prime memberships or vouchers when you reach defined spend levels.

Security Features

• All cards are chip-enabled for secure transactions at ATMs and merchant outlets.
• Every online transaction is protected by OTP verification sent to the registered mobile number.
• Receive SMS and email alerts for all transactions to track and respond instantly to suspicious activity.
• Instantly block/unblock your card, set international usage preferences, and enable/disable online or contactless payments using Axis Mobile or NetBanking.
• You can define custom limits for ATM withdrawals, PoS transactions, and online payments for added control.
• If reported promptly, you are not held liable for fraudulent transactions made after card loss.
• Axis Bank deploys AI-based fraud detection systems to monitor unusual spending patterns.

5. Best Yes Bank Debit Cards

Yes bank offers a wide variety of debit cards to suit the needs and requirements of its customers.

• YES FIRST World Debit Card
• YES Prosperity Titanium Plus Debit Card
• YES BANK E-Series Debit Card
• YES BANK Explore Debit Card
• YES BANK Spirit Debit Card
• YES BANK Visa Platinum Debit Card

Features and Benefits

• Earn reward points or cashback on categories like online shopping, dining, and travel.
• Select cards offer complimentary domestic airport lounge access.
• Enjoy discounts and memberships with brands like Swiggy and BookMyShow.
• Benefit from increased daily ATM withdrawal and purchase limits.
• Avail personal accident insurance and lost card liability protection.

Security Features

• All cards are equipped with EMV chips for enhanced security against fraud.
• Online transactions require OTP verification sent to your registered mobile number.
• Receive instant SMS and email notifications for every transaction.
• Enable/disable international, online, and contactless transactions through YES Mobile or YES ONLINE.
• Customize daily limits for ATM withdrawals and purchases for added control.
• Report lost or stolen cards promptly to avoid liability for unauthorized transactions.
• Utilizes 128-bit SSL encryption and two-factor authentication for NetBanking.

6. Best Kotak Mahindra Debit Cards

Some of the popular debits cards by Kotak bank are as follows:

• 811 #DreamDifferent Debit Card
• Kotak Silk Debit Card (For Women)
• Kotak League Platinum Debit Card
• Kotak Privy League Signature/Platinum Debit Card
• Kotak MyImage Debit Card

Features and Benefits

• Use your Kotak debit card at all merchant establishments and ATMs that accept VISA cards in India and abroad.
• Enjoy a waiver on fuel surcharges at petrol pumps across the country, subject to specific card limits.
• Make quick and secure transactions with payWave-enabled cards, allowing for faster, contactless payments.
• Benefit from substantial daily purchase and ATM withdrawal limits, varying by card type. For instance, the Privy League Platinum Debit Card offers a purchasing limit of ₹3,50,000 and an ATM withdrawal limit of ₹1,50,000.
• Access a range of deals across categories such as lifestyle, fine dining, travel, health, and fitness.
• Avail insurance benefits including Personal Accidental Death Cover, Air Accident Insurance, Lost Card Liability, Purchase Protection, and Lost Baggage Insurance. Coverage amounts vary by card type.
• Certain cards provide complimentary access to domestic airport lounges, enhancing your travel experience.
• Customize your debit card with images of your choice through the MyImage Debit Card feature.
• Enjoy a variety of deals and discounts across multiple categories.

Security Features

• All Kotak debit cards come with chip-based security for in-store and ATM transactions.
• Online transactions require OTP verification to prevent unauthorised access.
• Get instant SMS/email notifications for every transaction.
• Block/unblock card instantly, set spending limits, enable/disable international and online usage.
• Contactless (NFC) Enabled - Make fast and secure payments with Tap-to-Pay functionality.
• Zero Liability on Lost Card (If Reported Promptly) - You're not liable for unauthorised transactions after reporting loss.

7. HSBC Debit Card

The bank offers exciting shopping benefits on debit cards.

• HSBC Debit Card
• HSBC Premier Signature Debit Card

Features and Benefits

• Enjoy daily cash withdrawal and purchase limits of up to ₹400,000, subject to available account balance.
• Access your funds worldwide at HSBC Group ATMs, Visa network ATMs, and Visa merchant outlets.
• Avail up to 50% off with a 3-month complimentary EazyDiner Prime Membership and up to 20% savings at participating restaurants through the Visa Dine & Save program.
• Enjoy premium benefits at over 900 prestigious properties globally, including best available rate guarantee, room upgrades, and complimentary breakfast.
• Access a range of assistance services anytime, enhancing your travel and lifestyle experiences.
• Joint account holders with 'anyone or survivor' operating instructions can receive additional debit cards.

Security Features

• Embedded chip provides enhanced protection against fraudulent activities, such as counterfeiting and skimming.
• Manage your card's transaction limits and types (ATM, POS, online, contactless) via the HSBC India Mobile Banking app.
• Benefit from zero liability on unauthorized transactions after reporting the loss of your card.
• Receive instant SMS and email notifications for all transactions, enabling prompt detection of any unauthorized activities.
• Enjoy insurance coverage up to ₹500,000 for scenarios including lost card liability, counterfeit/skimming fraud, and online fraud protection.

✅ Editor’s Pick: Top 3 Debit Cards in India (2025)

Top 3 Debit Cards You Can’t Miss This Year

• HDFC Millennia Debit Card – Ideal for young spenders & online shoppers. Offers cashback and great merchant deals.

• Axis Bank Burgundy Debit Card – Perfect for premium users with lounge access, movie benefits, and high limits.

• ICICI Bank Platinum Chip Debit Card – A balance of reward points, safety, and broad acceptance.

Which Debit Card is Best for You?

Wondering which card suits your lifestyle? Here's a quick guide:

For Online Shoppers and Millennials:

HDFC Millennia, Axis Delight, Kotak 811 #DreamDifferent

For Frequent Travellers:

Axis Burgundy, ICICI Wealth Select, YES FIRST World

For Women:

ICICI Woman’s Debit Card, Kotak Silk Debit Card

For Senior Citizens:

SBI Classic, ICICI Senior Citizen Gold, Kotak Platinum

For Families and Kids:

ICICI Titanium Family, Kotak MyImage, Axis Youth Card

For Business Use:

HDFC Business Easyshop, Axis Value+, ICICI Expressions

Disclaimer: The features, benefits, limits, and fees associated with debit cards may vary based on the issuing bank and specific card type. Please refer to the official website of the respective bank for the most accurate, up-to-date, and detailed information before applying or making a decision.

How to Choose Best Debit Cards?

Different debit cards come with different features, but to pick the right one, you need to shortlist certain features like-

• Payment System

Visa and Mastercard payment systems are the most widely used payment systems across the world. They can be used at the merchant’s establishment globally and come with a 4-digit PIN verification for making secure transactions. Rupay is a commonly known domestic payment system in India. Lower transaction fees, zero network registration charges and faster transactions make it an ideal option for carrying out transactions domestically.

• Transaction cost

Different banks charge a different transaction cost as a point of sale (POS), ATM withdrawal, foreign transactions, etc. While picking a card, ensure you check such charges. The typical transaction cost is Rs. 20 + GST for the financial transaction (withdrawing cash) for non-financials (checking balance enquiry, changing ATM Pin, getting mini statement etc), it can vary from Rs. 8 to Rs. 20 + GST.

• Service Charges

Though this differs from bank to bank, it is absolutely necessary to check it. For example, a service charge of Rs. 0.25% will be charged for debit card transaction worth Rs. 1000 and 0.5% on transactions worth Rs. 2000. Also, check the issuance charges, maintenance charges and card replacement charges attached with debit cards.

• Facilities

Ensure that the debit card offers facilities like internet banking and mobile banking. You should also check if the bank offers international transaction along with the fees attached to it.

• Offers

Many banks offer discounts, rewards and cashback for purchases made using a debit card. Banks offer various benefits on dining, movies, travel, online shopping, etc. Make sure you pick the right card that gives you the maximum benefit.

• Security

Choosing a bank that offers maximum security coverage on their debit cards is very important. For instance, a 24x7 customer service in case of theft or loss is mandatory. The bank should provide full support and security during customer service.

• EMI option

These days many banks offer EMI options on various products. The EMI facilities provided by e-commerce websites like Amazon, Flipkart, etc are applicable only for certain debit cards. In case you need such an option, ensure you check if the bank offers such a Facility.

Eligibility for Debit Card

Here are the requirements you need to qualify for a debit card-

• You must have an account in the respective bank.
• You should be at least 18 years old.
• All the necessary documents need to be submitted while applying for the debit card.
• A minimum balance must be maintained so as to obtain a debit card.

Conclusion

Now that you have had a look at all the different Types of debit card offered by different various banks, choose wisely that will cater to your requirements and at the same time give you some benefit.

FAQs

1. Why do I need a debit card? What are its benefits?

Debit cards can help you reduce the use of liquid cash and increase cashless transactions. It also simplifies transactions and eliminates the need to carry heavy cash while travelling or shopping. It also effectively reduces the chance of running into debt, unlike a credit card, as you make purchases based on the amount you've in your bank account.

All major banks allow cardholders to earn reward points for making transactions using the debit

2. How can I get a debit card?

To get a debit card, you need to first open a Savings Account with a bank. Sometimes banks offer debit cards when you open the account; otherwise, you will have to apply for the card separately. Once you get the card, you will have to activate it by visiting the home branch or the nearest ATM counter of your bank.

Every bank has a specific set of steps that you need to follow to activate your ATM card, and you will have to follow the steps provided by your bank. Individual banks allow debit card activation online or over the phone; if your bank provides similar facilities, you can activate your debit card in the manner convenient to you.

3. What are the security measures to ensure?

A: When you get a debit card, keep in mind that you do not share the PIN and debit card details with anyone. Moreover, banks insist that you keep changing the PIN to ensure your account's safety and security.

4. Is there any extra expense to get a debit card?

A: Usually, banks offer debit cards when you open a savings account. However, if you wish to issue a particular type of debit card, you will have to pay the issuance fee. Similarly, if you lose your debit card and want your bank to issue a new one, you will have to pay an issuance charge. Finally, banks usually charge an annual maintenance charge for the debit cards.

5. What is the cost of making a withdrawal from a different bank?

A: In urban centres like Bengaluru, Mumbai, Chennai, Kolkata, Delhi, and Hyderabad, the maximum number of non-chargeable ATM withdrawals from non-home banks that you can make has been capped at three. Beyond this, you will be charged at least Rs. 8 to 10 per transaction. However, this amount is for nationalized banks. For privatized banks, the transaction fees are higher and are fixed by the respective banks.

6. Can I make an online purchase?

A: Yes, you can make online purchases with the debit card. However, you will have to activate the card before. You will also have to ensure that it has been issued with the prerequisite that you can make online purchases.

7. Can I earn rewards?

A: Yes, major banks offers rewards on transactions. You can redeem the points you earn to purchase vouchers and rewards offered by your bank.

8. Do debit cards have expiry dates?

A: Yes, debit cards have expiry dates. You will find the expiry date embossed on the card.

9. What is the CVV number?

A: The CVV number is the Card Verification Value, the three-digit number printed on the debit card's back. You have to provide this number while making online transactions using the card.

10. What is the PIN of a debit card?

A: The bank initially provides the PIN or the Personal Identification Number along with your debit card. You have to type the PIN while making a cash withdrawal from ATM counters. However, you can also change the PIN as per the process provided by your bank.

By Rohini Hiremath

Rohini Hiremath works as the Content Head at Fincash.com. Her passion lies in making financial knowledge accessible to everyone through simple, relatable content. With a strong foundation in start-ups and expertise in SEO, she also leads and mentors content teams with high energy and strategic focus.

📩 You can connect with her at rohini.hiremath@fincash.com