HDFC Bank Platinum Edge Credit Card

The features and benefits of HDFC Bank Platinum Edge Credit Card are as follows:

Reward Earnings: Earn 2 reward points on every Rs. 150 spent on the card.

Dining Benefits: Get 50% more reward points at premium restaurants.

Get Cashback for Rewards: Redeem the accumulated reward points to pay for the credit card bills (100 reward points = Rs. 10).

Multiple Redemption Options: Convert the reward points into air miles or use them to purchase vouchers or merchandise from HDFC Credit Card Rewards Catalogue.

Fuel Surcharge Waiver: Get a fuel surcharge waiver with no transaction limit. You can avail a maximum waiver of Rs. 250 in a billing cycle. Save up to Rs. 1,800 in a year (assuming spends of Rs. 6,000 per month).

Annual Fee Waiver: The annual fee of Rs. 500 will be waived off on spending Rs. 50,000 in a year.

Related read: 10 Best Zero Annual Fee Credit Cards in India

HDFC Bank Platinum Edge Credit Card
Suited For	Not Suited For
First-time users with low income Those who spend most of their expenses through credit cards People who prefer fine-dine restaurants	People who wish to get travel benefits on credit cards Those who already have cards with cashback feature

The fees and charges associated with HDFC Bank Platinum Edge Credit Card are mentioned in the table below:

Type of Fee/Charge	Amount
Annual Fee	Rs. 500 (waived off on spending Rs. 50,000 in a year)
Finance Charges	3.75% per month i.e. 45% annually
Late Payment Charges	For Statement Balance Up 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. 1,100 More than Rs. 50,000: Rs. 1,300

Click here for the most important terms and conditions.

The income requirement for this credit card will be shared at the time of application. However, a common criteria that every applicant must meet is provided in the table below:

Criteria	Details
Age	21-60 years (for salaried)
Serviceable Cities	Click here for the list of eligible cities
Documents Required	Click here for the list of acceptable documents

You can apply for HDFC Platinum Edge Credit Card by visiting any nearest branch of HDFC Bank. Alternatively, applicants can also visit HDFC Bank’s website to apply for this credit card.

Applicants have to submit self-attested photocopies of Know Your Customer (KYC) documents with the bank. In case you are applying online, then a representative from the bank will call you to set date and time for document collection. If an applicant meets the eligibility criteria and passes the verification, the credit card will be delivered within 15-20 days.

Existing customers can directly send an application through net banking portal or by calling their relationship officer.

Suggested read: Best Credit Cards in India

What is the validity of reward points earned on this card?

Reward points are valid for 2 years from the date of earning. The bank will notify you about the expiring points in the statement.

How can I pay HDFC Platinum Edge Credit Card bill?

You can make HDFC Credit Card Bill Payment directly through HDFC Bank’s net banking if you have a savings account with the bank. Those who do not have HDFC Bank savings or current account can make the payment through Bill Desk, NEFT, UPI, Visa Card Pay, etc.

What is the customer care number of HDFC credit card?

HDFC credit card customer care number is (Local/STD Code) 6160 6161. If you are not able to reach the bank on the given number, click here to see other numbers and other ways.

I do not have a credit score. Will I be eligible for HDFC Platinum Edge Credit Card?

HDFC Bank offers credit cards to people who are new to credit. However, the decision with respect to the type of card solely rests with the bank. You can reach out to the bank for further clarifications.

Does HDFC Platinum Edge Credit Card offer lounge access?

No, there is no complimentary lounge access available on this credit card.