HDFC Bank Platinum Credit Card
VisaHDFC Platinum is an entry-level credit card with 2 Reward Points per ₹150 and fuel surcharge waiver across all fuel stations.
Welcome Benefit
No specific welcome benefit.
Estimated value: ₹500
Condition: Welcome benefit is credited within 30–45 days of first transaction or after spending ₹500 within 90 days of card issuance.
Fees & Charges
Rewards & Earn Rates
Program: HDFC Reward Points (SmartBuy) (points) · 1 point = ₹0.5
| Category | Earn Rate |
|---|---|
| All Retail Spends | 2 Reward Points per ₹150 |
Base reward points uncapped. Accelerated/bonus category points may be subject to monthly caps.
Points expire after 36 months
Milestone Benefits
Annual fee of ₹500 is reversed on spending ₹1,00,000 or more in the preceding year.
Value: ₹500
Spend calculated from card anniversary date. All eligible transactions counted.
Insurance Cover
lost_card_liability
In case of card loss or theft, you are not liable for any fraudulent transactions if you report the incident to the bank immediately. Zero liability protection applies 7 days prior to reporting.
Zero liability on fraudulent transactions reported within 7 days
Zero LiabilityForex & Fuel
Foreign currency markup of 3.5% is levied on all international transactions. DCC charges of 1% apply when merchant opts to charge in INR.
Eligibility
Salaried: ₹15,000+ per month. Age: 21–60. Good for first-time credit card applicants.
Editor Rating
Pros
- + Good entry-level benefits
- + Annual fee easily waived
- + Fuel surcharge waiver
Cons
- – Limited premium travel benefits
- – Moderate reward rate on non-partner spends
The HDFC Bank Platinum Credit Card is a entry-level credit card from HDFC Bank with a balanced rewards programme. At ₹500/year, the card is easily justified through fee waivers and regular usage benefits.