What is the Platinum Edge Credit Card?

The Platinum Edge Credit Card is a Credit Card offered by HDFC Bank and is filled with exciting rewards, CashBack offers, and dining benefits that make it perfect for everyday spending.

Where can I use the Platinum Edge Credit Card?

You can use your Platinum Edge Credit Card at millions of locations in India and around the world, wherever Visa/MasterCard cards are accepted.

How to use the Platinum Edge Credit Card?

Simply swipe your Platinum Edge Credit Card at any merchant terminal or enter your card details for online purchases. You can also use it for contactless payments.

How to apply for a Platinum Edge Credit Card?

We are currently not accepting new applications for the HDFC Bank Platinum Edge Credit Card. However, you can explore a range of other credit cards that may suit your needs. Click here to view our available options and find the right card for you.

Credit Cards

HDFC BankVISA

Platinum Edge Credit Card

PremiumMidVisaMastercard

Platinum Edge Credit Card

No-fee rewards for consistent spenders

Annual fee₹500Waived on ₹0.5L spend

Rewards0.89%1.33 Reward Point per ₹150

Forex markup2.5%

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.

Not open to new applicants · kept here for reference

Independent comparison platform. Not affiliated with HDFC Bank. Full disclaimer

Rewards

Base earn rate

2 Reward Points for every ₹150 spent

Category	Rate	Cap
Premium Restaurants	—	—

• 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 amount	Late fee
Up to ₹100	Nil
₹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
More than ₹50,000	₹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.