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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.
Other HDFC Bank Credit Cards
Annual Fee Waiver
Cashback Benefits
Fuel Benefits
Travel Benefits
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.
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:
The redemption order number which is given must be noted down for future references.
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Cash advance charges | 2.5% of the amount withdrawn or Rs.500, whichever is higher |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 |
Cash backs are not applicable on fuel purchases.
A joining fee of Rs 299 and renewal fee of Rs 299 is chargeable on the HDFC Business Platinum credit card.
Yes, a fee of 3.5% based on the amount of the transaction shall be levied for foreign transactions.
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.
The first year's membership fee shall be included in your first billing statement.
Cardholders must pay at least 5% or Rs 200 as minimum amount towards bill repayment.
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