HDFC Platinum credit card: fees, features & benefits
the credit card for all your need
HDFC Platinum credit card gives a huge range of offers like fuel benefits, dining rewards, easier credit card bill payment, etc. the two types of Platinum credit cards offered are HDFC Platinum Edge and HDFC Platinum Plus credit card. you can earn additional rewards and benefits by making your HDFC credit card payment on CRED.
read this article to know the features and benefits, application process and eligibility criteria.
features | HDFC Platinum Edge credit card | HDFC Platinum Plus credit card |
|---|---|---|
revolving credit card | your credit card has a revolving credit feature that allows paying a lesser amount than the total amount due with nominal interest rates | your credit card has a revolving credit feature that allows paying a lesser amount than the total amount due with nominal interest rates |
fuel offers | 1% fuel surcharge waived off on fuel transactions of minimum ₹400 with maximum cashback of ₹250 | 2.5% fuel surcharge plus service tax will be replaced by convenience fee of 1% plus service tax |
high reward points validity | your credit card rewards are valid for 2 years from the time you start accumulating them | your credit card rewards are valid for 2 years from the time you start accumulating them |
dining rewards | 50% more reward points on dining at partnered restaurants | nil |
zero liability | zero liability on transactions made after you lose your card, provided you report it within 24 hours of losing your credit card | zero liability on transactions made after you lose your card, provided you report it within 24 hours of losing your credit card |
interest-free credit | 50 interest-free days from the date of purchase of credit card | 50 interest-free days from the date of purchase of credit card |
utility bill payment | nil | Pay all your utility bills on time with SmartPay, HDFC Bank's utility bill payment service |
attractive rewards | 2 rewards points on every ₹150 spent | 2 rewards points on every ₹150 spent |
insurance benefits | on minimum 4 transactions per month get: | on minimum 4 transactions per month get: |
how do i apply for HDFC Platinum credit card?
HDFC Platinum Edge credit card
- visit 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’
- 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’.
- 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.
HDFC Platinum Plus credit card
- visit the official website of HDFC Bank and click on products > cards > credit cards
- in the category of ‘regular’, there is an image of Platinum Plus credit card. click on ‘view details’.
- 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.
- once you have applied for the credit card, you can track the application status online or call the HDFC customer care.
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 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
types of charge | Platinum Edge | Platinum Plus |
|---|---|---|
annual fee | ₹500 | as per the bank’s norms |
cash advance fee | 2.5% of cash advance amount or ₹500 | 2.5% of cash advance amount or ₹500 |
rewards redemption fee | ₹99 per redemption request | ₹99 per redemption request |
late payment charges | no charges will be levied if the total amount due is less than ₹100 | no charges will be levied if the total amount due is less than ₹100 |
payment return charge | 2% of the payment amount with a minimum charge of ₹400 | 2% of the payment amount with a minimum charge of ₹400 |
card replacement fee | ₹100 | ₹100 |
foreign currency transaction fee | mark-up of 3.5% | mark-up of 3.5% |
credit card balance transfer processing charge | 1% of the balance transfer amount with a minimum charge of ₹250 | 1% of the balance transfer amount with a minimum charge of ₹250 |
over limit charge | 2.5% of the over limit amount with a minimum charge of ₹500 | 2.5% of the over limit amount with a minimum charge of ₹500 |
cash processing fee | ₹100 | ₹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 ₹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.