What is a Platinum Plus Credit Card?

Platinum Plus Credit Card India is a feature-rich Credit Card that offers exclusive benefits, rewards, and privileges to its cardholders. It provides a range of value-added services designed to enhance your lifestyle.

What are the benefits of a Platinum Plus Credit Card?

The Platinum Plus Credit Card online offers various benefits including rewards on your spending, zero liability on lost cards, an interest-free credit period, convenient bill payment options, and robust security features.

Is the Platinum Plus Credit Card free?

No, the Platinum Plus Credit Card is not free. It comes with an annual fee and applicable taxes. However, the benefits and rewards you receive outweigh the nominal fee.

How to use a Platinum Plus Credit Card?

Unlock a world of convenience and rewards with your HDFC Bank Plus Platinum Credit Card perks. Enjoy seamless transactions across millions of merchants worldwide. Make contactless payments for quick and hassle-free transactions.

How to apply for a Platinum Plus Credit Card?

We are currently not accepting new applications for the HDFC Bank Platinum Plus 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 Plus Credit Card

PremiumMidVisa

Platinum Plus Credit Card

Premium rewards with zero annual fees

Annual fee₹0

Rewards1.78%2.67 Reward Point per ₹150

Forex markup3.5%3.5% on all foreign currency transactions

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

4 Reward Points for every ₹150 spent

• 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

Milestone benefits

On crossing spends of ₹50,000 every month, get 50% more Reward Points on every ₹150 spent.

Fees & charges

Joining fee: ₹0 (Free)
Annual / renewal fee: ₹0
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: 3.5% on all foreign currency transactions
DCC markup: 3.50%
Reward redemption: ₹99 per redemption

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

zero liability on lost cards

Features

✓ Contactless

Additional features

Single Interface - One unified platform for Credit Cards, Debit Cards, FASTag and Consumer Durable Loans
Spends tracking - Simple interface to track all your spends
Reward Points - View and redeem points at the push of a button
PayZapp integration - Earn Additional CashBack along with the card Reward Points on Utility Bills, Mobile Recharges and more
Get ₹1,000 CashBack on Shopping in-app over 200 plus brands
Securely pay without the hassle of OTPs with 'Swipe to Pay'

Card management via PayZapp.