Housing Development Finance Corporation

HDFC Bank Platinum Edge Credit Card

Dining

Fuel

Reward Points

MyBankingTips Rating

Joining Fee: ₹1000* Plus Applicable Taxes

Renewal Fee: ₹1000*Plus Applicable Taxes

Dining

Fuel

Reward Points

MyBankingTips Rating

Joining Fee: ₹1000* + Tax

Renewal Fee: ₹1000* + Tax

Dining

Get 50% more reward points at premium restaurants.

Fuel

Fuel surcharge waiver on all transactions (max Rs. 250 per billing cycle).

Reward Points

Earn 2 reward points on every Rs. 150 spent on the card.r

Check your eligibility For This Card

About The Card Rewards Program Features & Benefits Fees & Charges Thinks We Know FAQs

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

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.

Eligibility Criteria

Age: 21 to 70 years
Occupation: Salaried or Self-employed
Credit Score: Should have a good credit history

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

HDFC Bank Platinum Edge Credit Card Hilights

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.

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

Frequently Asked Questions

Everything you need to know about this credit card

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.