Compare HDFC Bank Kids Advantage Debit Card and PNB Master Grow Platinum Debit Card using the controlling cost, balance, rate, tenure, liquidity, limits, eligibility and current first-party bank evidence for this product type.
Compare the two source-backed records without collapsing unlike conditions into a winner score.
Eligible HDFC Kids Advantage customers whose parent/guardian wants a named child card with controlled transaction limits.
Eligible PNB GROW minor customers who need a clearly documented child debit-card limit and can understand the yearly-balance condition for AMC waiver.
bankingreference.info · Comparison research sheet
Prepared 14 Sep 2026 · Source page: https://bankingreference.info/compare-banking/hdfc-kids-advantage-debit-card-vs-pnb-master-grow-platinum-debit-card/
General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.
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Source review: September 9, 2026
Maintenance: Within the scheduled review window
2 attached sources. A review date is not a guarantee that terms have stayed unchanged.
Source review: September 11, 2026
Maintenance: Source recheck advised
3 attached sources. A review date is not a guarantee that terms have stayed unchanged.
Conflict or scope mismatch flagged in the record. Read the source caveats before relying on these terms.
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| Decision factor | HDFC Bank Kids Advantage Debit Card | PNB Master Grow Platinum Debit Card |
|---|---|---|
| Cost / charges | ₹150 issuance/annual fee and ₹150 renewal fee on the current HDFC Kids Debit Card page; current account material separately requires ₹5,000 AMB. | PNB current debit-card directory lists ₹250 issuance, ₹250 AMC and ₹250 replacement (excluding GST) for MasterCard Platinum GROW. The current GROW scheme leaflet separately advertises free issuance and AMC waiver when ₹5,000 yearly average balance is maintained, so scheme-vs-card-directory pricing remains an explicit first-party conflict. |
| Linked account | Requires the eligible HDFC child/account relationship; the current Kids Advantage material specifies ₹5,000 AMB. | Requires PNB GROW relationship; the account itself has zero MAB, while the card AMC waiver uses a separate ₹5,000 yearly-average-balance condition. |
| Core benefits | Contactless debit functionality, spend tracking, purchase/fraud protections subject to terms and child-oriented offers/rewards. | Scheme-specific Mastercard debit access plus current GROW-linked rewards/offers subject to scheme terms. |
| Transaction limits | ₹2,500 ATM withdrawal and ₹10,000 merchant spend per day under the current Kids Debit Card page. | ₹10,000 ATM cash withdrawal per day, ₹10,000 combined POS/e-commerce per day and ₹5,000 contactless per day. |
| Eligibility | HDFC says the Kids Advantage Debit Card can be issued from age 0 to 18, with the parent/guardian relationship and required minor-account documentation. | Issued in the PNB GROW minor-account relationship under the scheme's guardian/self-operation rules. |
| Account relationship | Named debit-card endpoint for the HDFC Kids Advantage Account; issuance requires the minor-account/guardian relationship rather than a standalone card application. | Exact named card endpoint derived from PNB's current GROW scheme leaflet rather than a generic PNB debit-card inference. |
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Reviewed September 9, 2026 · 2 attached first-party sources
Reviewed September 11, 2026 · 3 attached first-party sources