Get a range of benefits with HDFC Platinum Credit Card

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The credit card for all your need.

HDFC Platinum credit card gives a huge range of offers like fuel benefits, dining rewards, easier bill payment, etc. The two types of Platinum Credit Cards offered are HDFC Platinum Edge and HDFC Platinum Plus credit card. Read this article to know the features and benefits, application process and eligibility criteria.

HDFC Platinum credit card: Features and Benefits

FeaturesHDFC Platinum Edge credit cardHDFC Platinum Plus credit card
Revolving credit cardYour credit card has a revolving credit feature that allows paying a lesser amount than the total amount due with nominal interest ratesYour credit card has a revolving credit feature that allows paying a lesser amount than the total amount due with nominal interest rates
Fuel Offers1% fuel surcharge waived off on fuel transactions of minimum INR 400 with maximum cashback of INR 2502.5% fuel surcharge plus service tax will be replaced by convenience fee of 1% plus service tax
High Reward Points ValidityYour credit card rewards are valid for 2 years from the time you start accumulating themYour credit card rewards are valid for 2 years from the time you start accumulating them
Dining Rewards50% more reward points on dining at partnered restaurantsNil
Zero LiabilityZero liability on transactions made after you lose your card, provided you report it within 24 hours of losing your credit cardZero liability on transactions made after you lose your card, provided you report it within 24 hours of losing your credit card
Interest-Free Credit50 interest-free days from the date of purchase of credit card50 interest-free days from the date of purchase of credit card
Utility Bill PaymentNilPay all your utility bills on time with SmartPay, HDFC Bank’s utility bill payment service
Attractive Rewards2 rewards points on every INR 150 spent




Accumulate reward points to get cash back on your outstanding amount where 100 reward points are equal to INR 10



Redeem reward points for gifts and air miles from an exclusive rewards catalogue
2 rewards points on every INR 150 spent



Incremental spending of INR 50,000 in a statement cycle can earn you 3 reward points per INR 150




Nil
Insurance BenefitsOn minimum 4 transactions per month get:
1. Free accidental death insurance of up to INR 50 lakhs
2. Free burglary and fire insurance on goods above INR 5,000 for 180 days
On minimum 4 transactions per month get:
1. Free accidental death insurance of up to INR 50 lakhs
2. Free burglary and fire insurance on goods above INR 5,000 for 180 days

How Do I Apply for HDFC Platinum credit card?

HDFC Platinum Edge credit cardHDFC Platinum Plus credit card
Visit the official website of HDFC Bank and click on Products > Cards > Credit CardsVisit the official website of HDFC Bank and click on Products > Cards > Credit Cards
In the category of ‘Range of Credit Cards’, click on ‘View All Cards’. Scroll down to the ‘CashBack’ credit cards. There will be an image of Platinum Edge credit card. Click on ‘View Details’In the category of ‘Regular’, there is an image of Platinum Plus credit card. Click on ‘View Details’.

Click on ‘Apply online’ present under ‘Contact Us’ and a credit card application form will load. Fill in your details in the form including PAN Card number and income. After filling the details, click on ‘Submit’.
Click on ‘Check Eligibility’ and a credit card approval form will load. Fill in your details in the form. After filling the details, you will be able to see the credit cards you are eligible for. You can select the card and start your online credit card application.
The bank will then verify your details and approve/reject your application depending on your financial credentials.The bank will then verify your details and approve/reject your application depending on your financial credentials.
Once you have applied for the credit card, you can track the application status online or call the HDFC customer care.Once you have applied for the credit card, you can track the application status online or call the HDFC customer care.

Am I Eligible for HDFC Platinum credit card?

Here are the eligibility criteria for applying for an HDFC Platinum credit card:


Salaried Individuals

Age: 21-60 years


Self-Employed Individuals

Age: 21-65 years

What Documents Do I Require to Apply for This credit card?

  • One identity proof (Aadhaar Card, PAN Card, Driving License, Voting Card)
  • Address proof (includes documents like Passport, Electricity bill, Gas bill)
  • Income proof which includes latest ITR documents and Form 16
  • Passport-size coloured photographs

HDFC Platinum credit card: Fees and Charges

Types of ChargePlatinum EdgePlatinum Plus
Annual FeeINR 500As per the bank’s norms
Cash Advance Fee2.5% of cash advance amount or INR 5002.5% of cash advance amount or INR 500
Rewards Redemption FeeINR 99 per redemption requestINR 99 per redemption request
Late Payment ChargesNo charges will be levied if the total amount due is less than INR 100
INR 100 will be charged if the total amount due is between INR 100-500INR
400 will be charged if the total amount due is between INR 501 – 5,000INR
500 will be charged if the total amount due is between INR 5,001 – 10,000INR
750 will be charged if the total amount due is more than INR 10,000
No charges will be levied if the total amount due is less than INR 100
INR 100 will be charged if the total amount due is between INR 100-500INR
400 will be charged if the total amount due is between INR 501 – 5,000
INR
500 will be charged if the total amount due is between INR 5,001 – 10,000INR
750 will be charged if the total amount due is more than INR 10,000
Payment Return Charge2% of the payment amount with a minimum charge of INR 4002% of the payment amount with a minimum charge of INR 400
Card Replacement FeeINR 100INR 100
Foreign Currency Transaction FeeMark-up of 3.5%Mark-up of 3.5%
Balance Transfer Processing Charge1% of the balance transfer amount with a minimum charge of INR 2501% of the balance transfer amount with a minimum charge of INR 250
Over Limit Charge2.5% of the over limit amount with a minimum charge of INR 5002.5% of the over limit amount with a minimum charge of INR 500
Cash Processing FeeINR 100INR 100

Frequently Asked Questions (FAQs)

Does HDFC Bank remind their customers of the outstanding amount?

Yes, HDFC Bank sends reminders of the outstanding amount on your credit card through SMS, post, fax, telephone, email, and engages a third party to follow up and collect the outstanding dues.

What should I do if I have a billing dispute?

If you find the content of your statement to be incorrect, you should contact the HDFC Bank within 30 days of the statement date in which the particular transaction appears.

How can I earn reward points for transactions?

You can earn rewards points in the multiples of INR 150 for carrying out transactions. 

What should I do if I lose my HDFC credit card due to theft/loss/misuse?

You should contact the HDFC Bank through the 24-hour customer care immediately to block your primary credit card. The add-on card is rendered invalid if the primary card is reported as lost.

Why do I have to fill out a Card Dispute Form (CDF) for reporting a billing dispute?

As per the guidelines of Visa/MasterCard, you have to fill out a CDF providing details regarding credit card dispute. HDFC Bank will then investigate the disputed transaction with the merchant.

When do I have to fill out the progressive dispute form?

After you submit your CDF form, the HDFC Bank will intimate the merchant of the billing dispute. The merchant will then provide all the necessary documents as evidence for the disputed transactions. If you still aren’t convinced by the documents provided by the merchant then you should fill out the progressive dispute form.

What is revolving credit?

Revolving credit is a facility where you can choose to pay a lesser amount than the total amount due that is reflected in the monthly billing statement. This will attract charges to the outstanding amount and the new transactions until the old dues aren’t paid.

To know more about HDFC Platinum Edge credit card, you can visit this page and to know more about Platinum Plus credit card, click here.

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