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.
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.
How Can I Apply for a Credit Card Online?
✔Step 1: Enter your mobile number in the application form
✔Step 2: Provide your personal details
✔Step 3: Enter OTP to verify your mobile number
✔Step 4: Select the credit card
✔Step 5: Compare offers and apply for the best-suited credit card