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OnePaisa — Smart Finance for India
Credit Cards
PremiumMidVisa

Platinum Plus 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.

Premium rewards with zero annual fees

Annual fee₹0
Rewards4 Reward Points for every ₹150 spent
Forex markup3.5%3.5% on all foreign currency transactions

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 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

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.

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