The Business Platinum credit card by HDFC Bank aims to give back with every expenditure. The credit card offers a wide range of benefits, mainly cashback rewards from your retail and international spends. Along with this, you can also enjoy access to airport lounges and fuel surcharge benefits with the credit card.
Key Highlights of the HDFC Bank Business Platinum Credit Card
Cashback of 1% on all retail expenses on a minimum statement balance of Rs.50,000.
You can also get a 0.5% cashback on retail spends on a minimum statement balance of Rs.10,000.
Receive a flat 1% cashback on your international spends of Rs.10,000 or more in a month.
Fuel surcharge is waived off for purchases between Rs.400 and Rs.5,000.
Renewal fee is waived if the annual spends exceed Rs.30,000.
Exclusive lounge access at various domestic airports.
Features and Benefits of the HDFC Bank Business Platinum Credit Card
Annual Fee Waiver
On a total expenditure of Rs.30,000 or more in a year, the renewal fee of the card for the next year will be waived off.
With the HDFC Bank Business Platinum credit card, you receive 0.5% cashback on all retail spends on a minimum statement balance of Rs.10,000.
Apart from this, if your minimum statement balance is Rs.30,000, the cashback you receive is 1%.
On your international spends of more than Rs.10,000 in a statement cycle, you get a flat 1% cashback.
With the credit card, you get a maximum fuel surcharge waiver of Rs.500 per month on transactions between Rs.400 and Rs.5,000.
The credit card offers you with lounge access at several airports in the country.
HDFC Bank Business Platinum Credit Card Limit
The credit limit for the Business Platinum credit card is given at the discretion of the bank. HDFC Bank considers a number of factors before assigning the credit limit of the card such as the credit score, credit history and repayment habits of past and ongoing debts.
Latest Offers by the HDFC Bank Business Platinum Credit Card
Get Rs.750 off on order payments of or above Rs.4,900 on Cult fit and Mind fit membership packages.
Avail a 30% discount for new users and a 22% discount for existing users at Pharmeasy. Use promocode HDFCPH30 for new users and HDFCPH22 for existing customers.
Enjoy a 40% discount on the first 5 months of subscription at Furlenco with the promocode FLHDFC.
Make the most of a Rs.300 discount on purchases made on the Limeroad app or website with your credit card.
Get a 20% instant discount with your HDFC credit card at Zoomcar with the promocode ALHDFC.
Enjoy a 10% discount on a minimum purchase of Rs.2,100 on Myntra.
How to redeem reward points earned on the HDFC Bank Business Platinum Credit Card?
You will be able to redeem reward points accumulated in your card through online or offline methods. Through the offline method, you will need to download the rewards redemption form from the HDFC Bank website. The details will need to be filled and sent to the following address:
HDFC Bank Cards Division,
P.O. Box No. 8654,
Chennai - 600041.
You can also redeem your reward points online as well. Here are the steps you need to follow to do so:
Log in to your net banking account.
Click on the 'credit cards' tab.
Register the credit card.
Click on the 'redeem reward points' and select 'continue'.
The website will then redirect you to the rewards redemption page.
Select 'Redeem Reward Points'.
Click on the category of the item you need.
Choose the points range to check the various products.
Select the items and add them to the cart for purchase.
Click on 'view your shopping cart'.
You will need to read the terms and condition and check the box.
Once done, click on 'redeem'.
The redemption order number which is given must be noted down for future references.
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Past 4 years I have been holding HDFC card, earlier I had rewards titanium credit card very recently I upgraded to Regalia card it has yearly fee. They are providing airport lounge facility with travel discounts at make my trip and goibgo. The customer care executives are very helpful but rate of interest is higher for the late fee.
I am using HDFC Bank credit card for the past 2 years which was processed through bank directly. It is a life time free credit card and the credit limit is given for low of 50 thousands only. I am using this card for shopping and many other purposes.
I am using HDFC Bank money back credit card where they have provided with low credit limit of 50 thousands only, its an life time free credit card,there are good EMI option available and charges are nominal. I am using this credit card from past 2 years.
I do have HDFC Jet Privilege card which has the limit of Rs. 2.5 lakhs, they used to give me JP miles based on the transaction either I am on traveling or pleasure trip. Now I am planning to change this card because they don't have anymore in the market.
In HDFC, i am having a credit card which is Regalia and this is my first credit card. I am getting a priority pass on airport and i won't use this card much. There is no annual fee charged on this card and they are not sending any offer related messages for this card.
I am just using the credit card from HDFC and since 2014, i hold this card. There is no much benefits on this card and its like a normal other credit card. They have not increased the credit limit so far. I never interacted with the HDFC customer care till now.
Currently I am holding money back card from HDFC Bank, it has good option to convert the accumulated points into encashment without any hassles, the customer support is proactive but the credit card has the yearly fee anyway its fine for me.
Instant and cash back offers are available always, card has annual fee,I am using this HDFC Bank credit card from last 2.5 years, customer service is very good, EMI options are available but rate of interest is very high and the credit limit is good.
This is a regalia first credit card which I'm using with HDFC and i get a lots of benefits and the limit and facility what they have given against the credit card is really good. This is my longest credit card which I'm using. I get a sur charges waiver off for petrol and for online merchants i get a cashback offers and benefits are more compared to other banks.
I have been using this Hdfc card around six years, they have increased the credit limit initially it was Rs.45,000 now I believe I got around Rs.80,000. They give lots of offers at e commerce site amazon or flipkart, the billing cycle is also convenient.
customer service of the HDFC Bank where if we call the customer care service we need to wait long time, offers for the this card is nominal,I am using this credit card from last 3 years, annual fee is chargeable for this card. This is money back credit card where I get rewards for any transactions purchase.
I was using the HDFC Credit card and since i went to the out of country i have closed the card. They have given me a credit limit of Rs. 40000 and its a hassle free card to use. They are not sending the offer notifications to me on a regular basis. Still i haven't NOC letter and through call centre, i have given the request for surrendering the card.
For past 9 years, i have been using the credit card from HDFC. For the general enquiry, i used to call them and the response is fine. If i pay in time, there won't be any charges and the interest rate is nominal. Presently I'm using Regalia credit card and they provide some credit points so that i can redeem that. 4 point is equal to Rs.1 and I'm getting cashbacks on petrol bunks.
I am using HDFC card for last two years, the offers are good and they keep increasing the limit. Initially I couldn't change the points into cash back now they upgraded the card so its easy to convert all. The customer support is also helpful for my queries, the emi interest is pretty nominal.
I am holding HDFC bank credit card from last 6 months, credit limit of the card is very low, card offers are very good, rewards points system is nominal, customer care service available 24/7 days and if we have any issue customer service resolves quickly.
I am holding HDFC Bank credit card from last four years, where the card limit is good,there are good EMI options available, cash back offers are good but the rewards points benefits is very less but rate of interest on the credit card is nominal.
I am using HDFC Bank credit card where they have provided me good credit limit, its an life time free credit card,there are good EMI option available, I am using this credit card from past 4 year, where their are good reward points and cash back offers.
I am using HDFC Bank credit card from last 1.6 years, Their are many unwanted charges are applicable on the HDFC bank credit card, card has zero annual charges, rewards points system is good, limit of the card is nominal, EMI options are available.
I have HDFC Bank credit card which was directly taken through Bank .I am using this credit card for the past 2 years .This is a free card and i have got the credit card on time without any delay .I am really satisfied with the credit limit .There are good reward points as well as cash back offers .