HDFC Bank Teacher’s Platinum Credit Card
Housing Development Finance Corporation Housing Development Finance Corporation

HDFC Bank Teacher’s Platinum Credit Card

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/assest/image/icons/fuel.svg Fuel
/assest/image/icons/rewards.svg Reward Points
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Joining Fee: ₹500* Plus Applicable Taxes

Renewal Fee: ₹500*Plus Applicable Taxes

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Fuel Fuel
Reward Points Reward Points
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Joining Fee: ₹500* + Tax

Renewal Fee: ₹500* + Tax

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

About HDFC Bank Teacher’s Platinum Credit Card

HDFC Bank Teacher’s Platinum Credit Card is designed specifically for teachers. Cardholders can enjoy 500 reward points on Teacher’s Day, earn bonus points on weekend shopping, and access several other benefits tailored for educators. Key features of this credit card include:

HDFC Bank Teacher’s Platinum Credit Card Rewards Program

Reward Points:

  • 2 reward points for every Rs. 150 spent on weekdays
  • 3X reward points on weekends

Other Features and Benefits

Teacher’s Day Rewards:

  • 500 reward points every year on Teacher’s Day (5th September)

Fee Reversal:

  • Renewal fee reversed on spending Rs. 50,000 in an anniversary year

Fuel Surcharge Waiver:

  • 1% fuel surcharge waiver at all fuel stations across India on transactions between Rs. 400 and Rs. 5,000 (Max waiver of Rs. 250 per statement cycle)

Free Add-on Cards:

  • Up to 3 lifetime-free add-on credit cards

Fees and Charges

Type of ChargeAmount
Annual FeeRs.500
Interest-free periodUp to 50 days
Cash advance limit40% of the credit limit
Minimum repayment amount5% or a minimum amount of Rs.200
Additional card feeFree
Cash advance charges2.5% of the amount withdrawn or Rs.500. The higher amount among these will be taken.
Charges on revolving credit3.49% per month
Payment return charges2% of the payment amount subjected to a minimum of Rs.450.
Late payment charges
  1. Less than equal to Rs.100 - Nil
  2. Rs.101 to Rs.500 - Rs.100
  3. Rs.501 to Rs.1,000 - Rs.500
  4. Rs.1,001 to Rs.5,000 - Rs.600
  5. Rs.5,001 to Rs.10,000 - Rs.750
  6. Rs.10,001 to Rs.25,000 - Rs.900
  7. Rs.25,001 to Rs.50,000 - Rs.1100
  8. More than Rs.50,000 Rs.1300
Charges on over limit account2.5% of the over limit amount subjected to a minimum of Rs.500
Cash processing feeRs.100
Rewards redemption feeRs.99 per redemption request.
Fuel transaction surchargeCapped at Rs.250 per statement cycle
Balance transfer processing charges1% of the balance transfer amount or Rs.250. The higher amount will be taken.
Card validation chargesRs.2. The amount will not be reversed by the bank
Railway ticket purchase fee1.8% of the transaction amount + GST
Reissue of damaged, stolen or lost cardRs.100
Outstation cheque processing charges

If cheque value is up to Rs.5,000 - Rs.25

If cheque value is more than Rs.5,000 - Rs.50

Foreign currency transactions3.5%

Things to Know Before you apply

Get this card if:

  • You are a teacher looking for a low-fee credit card with rewards.
  • You regularly spend on weekdays and weekends and want to earn accelerated reward points.
  • You want benefits like fee reversal, fuel surcharge waiver, and free add-on cards.

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 Teacher’s Platinum 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 Teacher’s Platinum Credit Card Hilights

What do we like about this card?

  • Earn 500 reward points every year on Teacher’s Day (5th September)
  • 2 reward points for every Rs. 150 spent on weekdays and 3X reward points on weekends
  • Renewal fee waived on spending Rs. 50,000 in an anniversary year
  • 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 5,000 (max Rs. 250 per statement cycle)
  • Up to 3 lifetime-free add-on credit cards

Pros

  • Accelerated rewards on weekdays and weekends, plus 500 bonus points on Teacher’s Day.
  • Annual fee waiver on spending ₹50,000 and up to 3 free add-on cards.
  • 1% fuel surcharge waiver on eligible transactions.

Cons

  • No travel benefits like lounge access.
  • Reward points redemption limited to HDFC SmartBuy.
  • Charges 3.5% foreign transaction fee.

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

A: Teachers (salaried or self-employed) aged 21–60 years are eligible.

A: Joining fee is ₹500 + GST; annual fee is ₹500, which can be waived by spending ₹50,000 in a year.

A: Earn 2 reward points per ₹150 spent on weekdays and 3X reward points on weekends.

A: Yes, 500 bonus reward points are credited every year on Teacher’s Day (5th September).

A: Points can be redeemed via HDFC SmartBuy portal for travel, merchandise, and vouchers.

A: 1% fuel surcharge waiver on transactions between ₹400–₹5,000 (max ₹250 per statement cycle).

A: The card charges 3.75% per month (45% annually) on revolving credit.

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