RuPay Debit Card

RuPay Debit Card

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RUPAY PLATINUM DEBIT PROGRAM FY 2025

Introduction

RuPay Platinum Debit Card was launched in July 2014. RuPay Platinum Debit Cards come with various in-built features & offers. With the support of partner banks, RuPay has gained substantial volumes in the recent years & therefore it has been decided to continue with the features & benefits provided on RuPay Platinum Debit Cards for FY 2025

RuPay Platinum Debit — Features & Benefits:

1. Domestic and International – Lounge Access Program

A)  Domestic Airport Lounge :

As per NPCI circular effective from 15/10/2025, customer can avail one(1) complimentary domestic airport lounge per quarter which will required minimum spends Rs. 5000 (through POS & E-Com only) on GSC Bank Rupay Platinum Card in previous quarter.For Example..

Sr no. Activity Period
1 Eligibility First Period (Spends) 1st July to 30 September 2025
Lounge access – First period 15 October -14th January
2 Eligibility Second Period (Spends) 1st October to 31st December 2025
Lounge access – Second period 15th January – 14th April 2026
3 Eligibility Third Period (Spends) 1st January 2026 to 31st March 2026
Lounge access – Third period 15th April 2026 – 14th July 2026

B)  International Airport Lounge:

RuPay Platinum Debit Card provides access to cardholders One (1) time per calendar year* per card in any of the participating International Airport lounges in INDIA.

Note: Calendar Year will be considered January to December

2. Cash back on Payment of Utility Bills*

5% cash back on utility bill payments (capped at Rs. 50/month/card). Cash back on Utility bill is restricted to Merchant Category Code (MCC) as defined by NPCI under the program.

3. Personal Accident Insurance

RuPay offers Personal Accident Insurance (Accidental Death or Permanent Total Disability) of upto Rs 200,000 for the Platinum Debit Cardholders.
Kindly note that the following amendment has been made in the Term & Conditions of RuPay Insurance Program for RuPay Premium Cards for FY 2021-22:

Existing Term Revised Term
Minimum one successful RuPay Card induced financial or non-financial transaction at any channel both Intra and Inter-bank i.e. on-us (ATM/MicroATM/PoS/E-com/ Business Correspondent of the bank at location by any payment instrument) within 45 days prior to date of accident including accident date of RuPay Cardholder or off us Minimum one successful RuPay Card induced financial transaction at any PoS/E-com, both Intra and Inter-bank i.e. on-us or off us within 30 days prior to date of accident including accident date of RuPay Cardholder

 

4. Concierge Services

Concierge service is available to banks as 24X7 service across India for a host of services like Gift / Flower Delivery Assistance, Restaurant referral & Arrangement, IT Return Assessment & Filing Assistance, etc.

5. Merchant Offers and Benefits

NPCI brings in a host of merchant offers and benefits for RuPay Platinum cardholders across travel, dining and retail shopping.

All services are provided by NPCI. Kindly refer NPCI website for further information.