About HDFC Bank Platinum Edge Credit Card
HDFC Bank Platinum Edge Credit Card is a popular cashback card that lets you earn rewards on every purchase, with 50% extra reward points on dining spends. The card has an annual fee of ₹500, which is waived on annual spends of ₹50,000. It is ideal for users looking to earn cashback on everyday expenses while enjoying dining benefits.
HDFC Bank Platinum Edge Credit Card Rewards Program
Reward Earnings:
- Earn 2 reward points on every Rs. 150 spent on the card.
Other Features and Benefits
Dining Benefits:
- Get 50% more reward points at premium restaurants.
Cashback for Rewards:
- Redeem accumulated reward points to pay for credit card bills (100 points = Rs. 10).
Multiple Redemption Options:
- Convert reward points into air miles or use them to purchase vouchers or merchandise from HDFC Credit Card Rewards Catalogue.
Fuel Surcharge Waiver:
- 1% fuel surcharge waiver on all fuel transactions (Rs. 400–Rs. 5,000), maximum waiver Rs. 250 per statement cycle.
Annual Fee Waiver:
- Annual fee of Rs. 500 waived on spending Rs. 50,000 in a year.
Fees and Charges
| Type of Fee | Amount |
|---|
| Joining fee | Rs.1,000 |
| Renewal fee | Rs.1,000 |
| Interest rate | 3.49% p.m. (41.88% p.a.) |
| Interest-free period | Maximum 50 days |
| Minimum payment | Rs.200 or 5% of the outstanding balance, the higher of the two |
| Late payment fee | - Less than equal to Rs.100 - Nil
- Rs.101 to Rs.500 - Rs.100
- Rs.501 to Rs.1,000 - Rs.500
- Rs.1,001 to Rs.5,000 - Rs.600
- Rs.5,001 to Rs.10,000 - Rs.750
- Rs.10,001 to Rs.25,000 - Rs.900
- Rs.25,001 to Rs.50,000 - Rs.1100
- More than Rs.50,000 Rs.1300
|
| Rewards redemption fee | Rs.99 per redemption |
| Cash advance limit | Maximum 40% of the limit |
| Replacement card in case of loss/damage | Rs.100 |
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Document Required For HDFC Bank Platinum Edge Credit Card
- Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
- Proof of Address: Aadhaar Card, Driver’s License, Passport
- Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
HDFC Bank Platinum Edge Credit Card Highlights
What do we like about this card?
- Earn 2 reward points for every Rs. 150 spent.
- Get 50% extra reward points on dining at premium restaurants.
- Redeem reward points to pay credit card bills (100 points = Rs. 10).
- Convert reward points to air miles or use them for vouchers and merchandise via HDFC Rewards Catalogue.
- Fuel surcharge waiver up to Rs. 250 per billing cycle, unlimited transactions.
- Annual fee of Rs. 500 waived on spending Rs. 50,000 in a year.
Things to Know Before you apply
Get this card if:
- You want a simple cashback/rewards card for everyday spends.
- You dine out frequently and want extra reward points on dining.
- You want a low annual fee card with easy fee waiver on moderate spending.
Pros
- Extra 50% reward points on dining.
- Flexible redemption options: cashback, air miles, vouchers.
- Fuel surcharge waiver for all transactions (up to Rs. 250/month).
Cons
- Rewards on regular spends are moderate (2 points per Rs. 150).
- Low overall reward redemption value compared to premium cards.
- Limited lifestyle or travel perks beyond dining and fuel.
HDFC Bank Credit Card Contact Details
HDFC Card offers multiple ways to get assistance for your credit card queries and services.
- Contact Address: Manager, HDFC Bank Cards Division, PO BOX # 8654, Thiruvanmiyur PO Chennai - 600 041
- Helpline: You can contact us at 1800 1600 / 1800 2600.
- Simply SMS: - SMS “CCHELP” to 5676712
Apply for a Credit Card & Get Instant Approval
Frequently Asked Questions
The card charges an annual fee of Rs. 500, which can be waived off on spending Rs. 50,000 in a year.
Earn 2 reward points for every Rs. 150 spent. Get 50% more points on spends at premium restaurants.
Reward points can be redeemed for credit card bill payments (100 points = Rs. 10), converted to air miles, or used for vouchers and merchandise via the HDFC Credit Card Rewards Catalogue.
Yes, 1% fuel surcharge waiver applies on all fuel transactions between Rs. 400–5,000, with a maximum waiver of Rs. 250 per statement cycle.
Yes, earn 50% extra reward points on spends at premium restaurants.
Yes, spending Rs. 50,000 in a year waives the annual fee of Rs. 500.
