Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • HDFC Bank Business Platinum Credit Card

    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.

    Other HDFC Bank Credit Cards

    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.

    Cashback Benefits

    • 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.

    Fuel Benefits

    • 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.

    Travel Benefits

    • 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 on 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.

    HDFC Bank Business Platinum Credit Card Reward Points Redemption

    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:

    Rewards Helpdesk,

    HDFC Bank Cards Division,

    P.O. Box No. 8654,

    Thiruvanmiyur, P.O.,

    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.

    Fees and Charges on the HDFC Bank Business Platinum Credit Card

    Type of Charge Amount
    Annual fee Rs.299
    Cash advance charges 2.5% of the amount withdrawn or Rs.500, whichever is higher
    Interest-free period Up to 50 days
    Minimum repayment amount 5% or a minimum of Rs.200
    Charges on revolving credit 3.49% per month
    Late payment charges

    If the statement balance is less than Rs.100 - Nil

    Balance between Rs.100 and Rs.500 - Rs.100

    Balance between Rs.500 and Rs.5,000 - Rs.500

    Balance between Rs.5,001 and Rs.10,000 - Rs.600

    Balance between Rs.10,001 and Rs.25,000 - Rs.800

    More than Rs.25,000 - Rs.950

    Interest-free period Up to 50 days
    Payment return charges 2% of the payment amount subjected to a minimum of Rs.450.
    Cash advance limit 40% of the credit limit
    Additional card fee Free
    Charges on over limit account 2.5% of the over limit amount subjected to a minimum of Rs.500
    Outstation cheque processing charges

    Cheque value of up to Rs.5,000 - Rs.25

    Cheque value of more than Rs.5,000 - Rs.50

    Cash processing fee Rs.100
    Balance transfer processing charges 1% of the balance transfer amount or Rs.250. The higher amount is charged.
    Rewards redemption fee Rs.99 per redemption request
    Railway ticket purchase fee 1.8% of the transaction amount + GST
    Foreign currency transactions 3.5%
    Reissue of a stolen, lost or damaged card Rs.100
    Fuel transaction charges Rs.500 per statement cycle will be waived off

    Eligibility Criteria for the HDFC Bank Business Platinum Credit Card

    • The applicant must be between the age of 21 years and 60 years if he or she is a salaried individual.
    • The primary applicant must be a resident or a non-resident of India.
    • The add-on cardholder must be at least 15 years of age.
    • The applicant must be between the ages of 21 years and 65 years if he or she is a self-employed individual.

    Documents required for applying for the HDFC Bank Business Platinum Credit Card

    • Duly filled application form
    • An identity proof which includes Aadhaar card, PAN card or driving licence.
    • Proof of income which can include a copy of your Form 16, latest salary slips or IT returns.
    • Address proof which should include PAN card, Passport, Aadhaar card or a copy of your electricity bill.
    • 2 passport-sized coloured photographs.
    • Copy of Form 60 and PAN card.

    FAQs on HDFC Bank Business Platinum Credit Card

    1. Are there any exceptions to receiving cash back on spends done with my Business Platinum Card?

      Cash backs are not applicable on fuel purchases.

    2. What is the annual membership fee chargeable on the Business Platinum Credit Card?

      A joining fee of Rs 299 and renewal fee of Rs 299 is chargeable on the HDFC Business Platinum credit card.

    3. Does the HDFC Business Platinum card carry any mark-up fee for foreign transactions?

      Yes, a fee of 3.5% based on the amount of the transaction shall be levied for foreign transactions.

    4. What is the interest rate applicable for revolving credit balance on this card?

      At the time of card issuance, an initial interest rate of 3.4% per month is chargeable and it is subject to change based on your spending.

    5. How can I pay my HDFC Business Platinum credit card membership fee?

      The first year's membership fee shall be included in your first billing statement.

    6. What is the minimum amount which must be paid towards bill repayment?

      Cardholders must pay at least 5% or Rs 200 as minimum amount towards bill repayment.


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