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Platinum Edge Credit Card

No longer offered

HDFC Bank is no longer accepting applications for this card. Existing cardholders continue to be served, so the fees and features below are kept here for reference. There is no application or eligibility check to offer.

Annual fee₹500Waived on ₹0.5L spend
Rewards2 Reward Points for every ₹150 spent
Forex markup2.5%

Rewards

Base earn rate

2 Reward Points for every ₹150 spent

CategoryDetails
Premium RestaurantsGet 50% more reward points at premium restaurants

Redemption options

Gifts:Redeem reward points for exciting gifts and air milesAir miles:Redeem reward points for exciting gifts and air milesCashback:Redeem Reward Points as CashBack and use it to pay off outstanding balances.
  • • Reward Points valid for 2 years from accumulation (standard). Infinia/Diners Black/BizBlack: 3 years. Easy EMI/PhonePe HDFC Bank Ultimo/Uno: 1 year. If card unused 365+ days, points nullified.
  • • Redemption fee: ₹99

Fees & charges

Joining fee
₹500
Annual / renewal fee
₹500 per year
Annual fee waiver
On annual spends of ₹50,000 or more, get the renewal fee waived off on your HDFC Bank Platinum Edge Credit Card.
Interest rate
3.75% p.m. (45.00% p.a.)
Interest-free period
50 days
Cash advance fee
A 2.5% fee with a minimum of ₹500 will be applicable on all cash withdrawals from the card.
Overlimit fee
2.5% of overlimit amount subject to minimum of ₹550. Not applicable for Infinia, Infinia Metal Edition, PhonePe HDFC Bank Ultimo/Uno Credit Card (no overlimit facility).
Payment dishonour
2% of Payment amount subject to minimum of ₹450. Capping of ₹4999 for Infinia & Infinia Metal Credit Card. Applicable for cheque payment return or unsuccessful autopay.
Forex markup
2.50%
DCC markup
2.50%
Reward redemption
₹99 per redemption
Fuel surcharge
100% waiver, max ₹250/cycle

Late payment

Outstanding amountLate fee
₹0 – ₹100₹0
₹101 – ₹500₹100
₹501 – ₹1,000₹500
₹1,001 – ₹5,000₹600
₹5,001 – ₹10,000₹750
₹10,001 – ₹25,000₹900
₹25,001 – ₹50,000₹1,100
Above ₹50,001₹1,300

Insurance covers

Fraud liability

Available on any fraudulent transactions made on your Credit Card if reported immediately to HDFC Bank's 24-hour Call Centre.

Eligibility

Income (salaried)
₹50,000/year

Features

✓ Contactless✓ Chip & PIN✓ International usage

Additional features

  • PayZapp integration for additional cashback
  • Swipe to Pay feature on PayZapp
  • EMV Chip Card technology
  • Single unified platform for Credit Cards, Debit Cards, Fastag and Consumer Durable Loans
  • Spends tracking interface
  • View and redeem reward points via app

Card management via HDFC Bank Mobile Banking App.

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