About HDFC Platinum Times Credit Card
The HDFC Platinum Times Credit Card is a popular choice for entertainment lovers in India. With an annual fee of Rs. 1,000, it offers attractive discounts on movie tickets and dining, while also allowing users to earn rewards on all purchases. Here’s a closer look at what this card offers.
The joining fee and first-year annual fee is Rs. 1,000, with the same fee applicable for subsequent years. However, the annual fee is waived if you spend at least Rs. 2.5 lakh in a year. The card carries an interest rate of 40.8% p.a..
HDFC Platinum Times Credit Card Rewards Program
Reward Points
- Earn 10 reward points per Rs. 150 spent on dining on weekdays (only for restaurants classified by Visa/Mastercard).
- Earn 3 reward points per Rs. 150 spent on all other purchases.
Terms and Conditions
- Validity: 2 years
- Exclusions: EMIs, e-wallet loading, and fuel transactions
- Caps: Maximum 2,000 points/day on insurance spends; maximum 1,000 points/month on groceries
Other Features and Benefits
Welcome Benefits
- Get vouchers worth Rs. 5,000 for shopping, dining, apparel, and other spends.
- To avail, activate the card within 30 days of issuance.
- Not applicable on card renewal after the first year.
BookMyShow Offer
- 50% off (up to Rs. 600 per transaction) on movie tickets. Max 4 tickets/month.
- One-time Rs. 50 off on food and beverages.
Complimentary Memberships
- EazyDiner Membership: 6 months, up to 15% off dining bills via PayEazy.
- Times Prime Membership: Annual membership available after at least 1 transaction per quarter (first-year benefit for lifetime free cardholders).
Times Prime Membership Benefits
- Access to offers and discounts across shopping, travel, dining, entertainment, and more.
- Discounts on platforms like Swiggy, Myntra, Yatra, Chaayos, Uber, etc.
- Value-back on subscriptions through Times Prime:
| Membership | Duration | Savings |
|---|
| Sony LIV | 6 months | Rs. 699 |
| Google One (100 GB) | 6 months | Rs. 780 |
| Lenskart Gold | 1 year | Rs. 600 |
| Economics Times Prime | 3 months | Rs. 999 |
| Audible | 2 months | Rs. 398 |
| HealthifyMe | 3 months | Rs. 2,000 |
| YouTube Premium | 4 months | Rs. 516 |
| Disney+ Hotstar Super | 6 months | Rs. 549 |
| EazyDiner Prime | 6 months | Rs. 2,190 |
| Netmeds | 6 months | Rs. 999 |
| Cultpass LIVE | 45 days | Rs. 675 |
| FirstCry Club | 3 months | Rs. 369 |
| Total Savings | | Rs. 10,774 |
Other Offers and Benefits
- Shopping & Travel: Up to 20% off on select stores, hotels, and wellness spends.
- Cashback: Up to 5% on utility bills and shopping.
- Fuel Surcharge Waiver: 1% waiver up to Rs. 250/month on fuel transactions from Rs. 400 to Rs. 4,000.
- Renewal Fee Waiver: Annual fee waived on spends of Rs. 2.5 lakh or more.
Fees and Charges
| Type of Charge | Amount |
|---|
| Annual fee | Rs.1,000 |
| Cash advance limit | 40% of the credit limit |
| Minimum repayment amount | 5% or a minimum of Rs.200 |
| Interest-free period | Up to 50 days |
| Charges on revolving credit | 3.49% |
| Additional card fee | Free |
| Cash advance charges | 2.5% on the withdrawn amount or Rs.500; the higher amount is taken. |
| Charges on over limit account | 2.5% on the over limit amount subject to a minimum of Rs.450. |
| Late payment charges | - 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
|
| Payment return charges | 2% of the payment amount subjected to a minimum of Rs.450. |
| Rewards redemption fee | Rs.99 per request. |
| Cash processing fee | Rs.100 |
| Balance transfer processing charges | 1% of the balance transfer amount or Rs.250. The higher amount will be taken. |
| Fuel transaction surcharge | Fuel surcharge is capped at Rs.250 per billing/statement cycle. |
| Outstation cheque processing charge | If cheque value is up to Rs.2,500 - Rs.25 If cheque value is more than Rs.2,500 - Rs.50 |
| Reissue of stolen, lost or damaged card | Rs.100 |
| Railway ticket purchase fee | 1.8% of the transaction amount + GST |
| Foreign currency transaction | 3.5% |
| Card validation charges - Lounge | Rs.2 and will not be reversed by the bank. |
Apply for a Credit Card & Get Instant Approval
Document Required For HDFC Platinum Times 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 Platinum Times Credit Card Highlights
What do we like about this card?
- Buy 1 Get 1 Free movie tickets (up to ₹250/month) via BookMyShow
- Up to25% off on dining bills at select restaurants via Dineout or partner networks
- Exclusivelifestyle discounts (spa, salon, shopping)
- Spend-based renewal fee waiver
- Accepted widely across India for lifestyle purchases
Things to Know Before you apply
Get this card if:
- Movie lovers and regular BookMyShow users
- People who dine out frequently
- Young professionals or college grads with urban lifestyles
- Users who want a low-fee card with fun, lifestyle perks
Pros
- Strong savings on movie tickets and dining
- Ideal for frequent entertainment spenders
- Low annual fee with easy waiver
- Lifestyle discount tie-ups
- EMI & fuel surcharge benefits
Cons
- No reward points or cashback
- Limited to dining, movies, and lifestyle categories
- Benefits capped (e.g., ₹250/month for movie tickets)
- No travel or airport lounge perks
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
Yes, this card can be used for online transactions once registered with MasterCard SecureCode.
You must pay at least 5% of the outstanding balance, subject to a minimum of Rs. 200.
Yes, you can transfer the outstanding balance to your HDFC Platinum Times Credit Card. A balance transfer processing fee of Rs. 250 or 1% of the transfer amount (whichever is higher) will apply.
Reward points can be redeemed via HDFC NetBanking or by post, against statement balance, products, or vouchers. A minimum of 500 points is required for redemption.
Yes. You can convert 1,000 reward points into 100 InterMiles.
Each reward point on HDFC Platinum Times Credit Card is worth Rs. 0.15.
You can enjoy up to 50% discount on up to 4 tickets every month booked via BookMyShow, with a maximum of Rs. 600 off per transaction.
Titanium Times Credit Card: Annual fee of Rs. 500 (waived on Rs. 1.5 Lakh annual spends).
Platinum Times Credit Card: Annual fee of Rs. 1,000 (waived on Rs. 2.5 Lakh annual spends).
Platinum offers a higher reward rate compared to Titanium.
