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    HDFC Bank Platinum Edge Credit Card is Rated as "Excellent!" by 674 Users

    Fees & Charges

    Promised Interest Rate

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    HDFC Bank Platinum Edge Credit Card

    HDFC Platinum Edge Credit Card is a premium cashback credit card that offers amazing privileges and offers to those who fly frequently and take pleasure in dining out. With a HDFC Platinum Edge Credit Card you can enjoy a host of benefits when you are dining out with your family or if you are travelling across the globe. You can also earn better savings with the cashback offer of the card wherein you can redeem cash against the outstanding amount.

    Features:

    • For every Rs. 150 you spend earn 2 Reward Points.
    • Reward points that are accumulated from your purchases using the HDFC Platinum Edge credit card can be redeemed either for cash back or to get exciting products offered on the exclusive rewards catalogue.
    • Enjoy up to 50% more Reward Points when you use your Platinum Edge credit card for dining outside.
    • For transactions of Rs 250/- and above, fuel surcharge will be completely waived off.
    • BookMyShow.com has partnered with the bank to offer the cardholders movie offers such as a 10% discount on movie tickets purchased online using the card, and so on.
    • Zero liability protection is enabled, which protects the cardholder from fraudulent transactions on his/her card.
    • Revolving credit facility is available at low interest rate.

    Benefits:

    • Enjoy up to 50 days of interest free period.
    • With a spend of Rs 5 Lakhs on your card, get cashback of up to Rs 2900/- on the reward points that are collected.
    • Save up to Rs.1800/- on a yearly basis if you are spending Rs 6000/- on fuel every month.
    • If you spend Rs 10000/- on the card during the first 90 days of receiving it, you are eligible to get your first year annual fee reversed.
    • Enjoy a renewal fee reversal when you spend Rs 50000/- before the date of expiry of validity of the card.
    • Enjoy a cash limit of 40% of the credit limit, on your HDFC Platinum Edge Credit card. Cash withdrawal can be made at any HDFC bank ATM or partner ATMs.

    Fees and Charges:

    Annual/Renewal feeRs.500
    Reissue of lost, stolen or damaged cardRs.100
    Cash Advance Limit40% of credit limit
    Late Payment Chargesup to Rs 700/-
    Add on Card FeesNIL

    Eligibility:

    • Salaried employees must fall within the range of 21 to 60 years of age.
    • Self-employed must fall within the range of 21 to 65 years of age.

    HDFC Platinum Edge Credit Card FAQs:

    1. Can the chip facility in the Platinum Edge Card prevent fraudulent transactions?

      Yes. The Platinum Edge Credit Card has an embedded microchip which is encrypted. This provides additional security against misuse of the card.

    2. What is the cash advance fee that is charged?

      For cash withdrawals at ATMs in India or abroad, a cash advance fee of 2.5% or minimum Rs. 300, whichever is higher, is levied by the bank.

    3. What are the over limit charges that is applicable?

      If the customer exceeds his/her credit limit, then he/she will have to pay an over limit charge of 2.5% or Rs.500, whichever is higher.

    4. What are the modes of repayment that is available?

      Repayment of the outstanding amount on your card account can be made through the following ways:

      • Phone Banking or Net Banking
      • ATMs
      • Standing Instructions
      • NEFT fund transfer
      • Bill Desk facility
      • Cheque/Draft
      • Cash payments in any of HDFC Banks branches.
    5. Will my accumulated reward points expire?

      Yes. Reward points expire after a time period of two years from the date on which it was accumulated.

    HDFC Bank Platinum Edge Credit Card Reviews

    • HDFC Bank Credit Card
      "Nastiest Experience"
      0.5 1.0/5 "Really Bad"
      Hi, Iam using HDFC BAnk Credit Card since 3 Years. But HDFC bank credit card is the worst service ever I felt. Interest rates and charges are so high that you cannot expect. They will charge you very high and keep your principle amount will contineously increasing after your regular payment of minimum amount also. It would be threatening. Their processing charges are very high and I dont why they are charging financial charges and service charges, if i am not using since 8 Months Worst Worst Worst!!!
      Was this review helpful? 1
      , mumbai
      Reviewed on Aug 23, 2017
    • HDFC Bank Credit Card
      "Good to hold"
      0.5 5.0/5 "Blown Away!"
      I have platinum Edge credit card from HDFC, it has good offers, for every Rs.100 spent they are giving one reward points and also I could convert the amount into an EMI option. Otherthan that I could do petrol surcharge and I am getting good discount and cash back offers. I am really satisfied with the card.
      Was this review helpful? 0
      , jaysingpur
      Reviewed on Aug 08, 2017
    • HDFC Bank Credit Card
      "It is my one of my best Credit Card"
      0.5 5.0/5 "Blown Away!"
      HI! This is Santosh, I have been using from last 4 years with best service without any issue. This credit card services are very good, There is no annual charges. I recommend this Platinum edge Credit Card for best service. I hope they maintain the same rapo in the market.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Jul 18, 2017
    • HDFC Bank Credit Card
      "HDFC Platinum Edge Credit Card"
      0.5 4.0/5 "Great!"
      I have been using the HDFC Platinum Edge Credit card since the last 5+ years. HDFC makes sure to increase your credit limit every now and then if you pay your dues on time. Also, I have noticed that HDFC credit cards almost always feature in the "offers" section when it comes to online shopping.
      Was this review helpful? 1
      , bangalore
      Reviewed on May 13, 2017
    • HDFC Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      HDFC is good bank always having quality products & services with good reward system for their customer. The credit card customer service is amazing as when called they give quality service.In terms of credit card they don't have much offers they have only cash back normal like bill payments etc.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 05, 2017
    • HDFC Bank Credit Card
      "Good in rewards points and Convenient for the Shopping"
      0.5 4.0/5 "Great!"
      I am using Platinum Edge Card, It has same offers like other credit card. If I register credit card with any bill payment of electricity bill or Mobile bill , I will getting 5% of discount on it. The best part of HDFC credit card, I could convert the reward points into cash. Example:- If I have 2000 reward points, I could convert that points into cash of Rs.200 and I am happy with the credit limit of HDFC.
      Was this review helpful? 1
      , noida
      Reviewed on Feb 15, 2017
    • HDFC Bank Credit Card
      "Good offers "
      0.5 5.0/5 "Blown Away!"
      For a credit card I would recommend HDFC Bank as they have given me life time free card. They also provide me with 10% cash back and I can also redeem my points earned to cash. The customer services are good as I have faced no hassles and are supportive too.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 04, 2017
    • HDFC Bank Credit Card
      "Credit card "
      0.5 5.0/5 "Blown Away!"
      The card was easy to get and using it with no such hassles for two years now, but it would've been very delightful if the bank actually had given some upgrade options in between or every now and then , since demonetization is around , people are looking to upgrade their cashless options
      Was this review helpful? 2
      , pune
      Reviewed on Dec 20, 2016
    • HDFC Bank Credit Card
      "Not transparent"
      0.5 2.0/5 "Expected more"
      HDFC credit card is not transparent with their norms. They say something and do something. Initially they promised that the interest rate is very less but when it comes to reality the same is not the case. One big plus about HDFC credit card is it is an international credit and name of the credit card is Platinum edge
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 11, 2016
    • HDFC Bank Credit Card
      "Best card with the offer"
      0.5 5.0/5 "Blown Away!"
      HDFC bank credit card is good there is no hidden charges on the card. Surcharge are waived off on the petrol filling. Every time they use to call to increase the credit limit but I am not happy to increase it. On dinning and shopping they use to give many offers.Reward points are can be redeem into cash.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 27, 2016
    • HDFC Bank Credit Card
      "Increase the credit limit"
      0.5 4.0/5 "Great!"
      I use a platinum edge credit card of HDFC Bank. It is a life time free card. I had been using it for the last three years. I was initially given a limit of 29K. Later it was upgraded to 50K and then 54K. It would be better, if the limit is increased even more. As I do not get any offers on the card. I also do not have an EMI option. The customer services is good. I am happy with the billing cycle and it is for a period of 30 days.
      Was this review helpful? 0
      , greater noida
      Reviewed on Jun 21, 2016
    • HDFC Bank Credit Card
      "Offers can be introduced "
      0.5 3.0/5 "Satisfactory"
      They are not providing much offers in the card related to the credit card services.The customer service provided was also good from HDFC Bank.The rate of interest offered was on the higher side.I am having a platinum edge card with HDFC Bank.I dont see much offers which can be introduced from bank end.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 17, 2016
    • HDFC Bank Credit Card
      "Good benefits!"
      0.5 5.0/5 "Blown Away!"
      The Platinum edge card offered by HDFC Bank is loaded with lot of benefits which can be acquired on transactions. As there is no need for a high credit limit, I never approached the banker regarding this. There are no hidden charges found on the HDFC bank credit card statements.
      Was this review helpful? 0
      , kolkata
      Reviewed on May 30, 2016
    • HDFC Bank Credit Card
      "Card with Good benefits!"
      0.5 5.0/5 "Blown Away!"
      For more that 3 years, I am having the Platinum Edge credit card with HDFC bank. I am really satisfied with the services offered towards the credit card and they are available at all times. Credit limit offered on the card is pretty good and sufficient as per my requirements.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 30, 2016
    • HDFC Bank Credit Card
      "Satisfactory"
      0.5 4.0/5 "Great!"
      Remarkable service offered by HDFC phone banking. I use a platinum edge credit card. The rate of interest on the card is the same as other banks. There is a annual fee of 1K which is on a higher side. The best I prefer about the bank is they enhanced my credit limit automatically after after six months post issuing the card.. I was intially given 50K intially and now I have a better limit. I get all the offers on the card.
      Was this review helpful? 0
      , rajahmundry
      Reviewed on May 27, 2016
    • HDFC Bank Credit Card
      "Need flexible EMI options!"
      0.5 3.0/5 "Satisfactory"
      EMI options are rolled out only at a particular time period for the HDFC credit cards. Initially they have offered me a credit limit of 1.15L on this Platinum edge card and in the past 3 years, they have never increased the limit on the card. It would be nice if they make the EMI options available on the credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 26, 2016
    • HDFC Bank Credit Card
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      I use a platinum edge credit card of HDFC Bank. The services offered by them was very good . The response is good too. When ever there is a query, I get a response for it instantly. It is a life time free card. I get all the offers on the card. Its a hassle free experience..
      Was this review helpful? 0
      , gwalior
      Reviewed on May 13, 2016
    • HDFC Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      On my platinum edge credit card I get a cash back offer 5% on the retail and online purchase. Petrol surcharge are waived off. They have given accidental death coverage for a the premium of Rs.297 per month. I have been frequently updated about the offers on the card .Interest rate on the card is nearly 19.25% per annum if miss to pay the payment.
      Was this review helpful? 0
      , noida
      Reviewed on May 12, 2016
    • HDFC Bank Credit Card
      "Very good to bank with"
      0.5 5.0/5 "Blown Away!"
      I initially used a platinum edge credit card. The services was good. They are very responsive. I used to get a lot of cash back offers on the card. The credit limit was good. Overall very satisfactory. The rate of interest was normal. I did not face any hassles.
      Was this review helpful? 1
      , bangalore
      Reviewed on May 11, 2016
    • HDFC Bank Credit Card
      "Easy to use !"
      0.5 3.0/5 "Satisfactory"
      Over for a period of time, I am holding the Platinum Edge credit card with HDFC bank. It would be nice if they increase the credit limit according to the salary drawn by the customers. There are fuel surcharge available on fuel purchase above INR 400 and even rewards points available on both online and offline transactions.
      Was this review helpful? 1
      , hyderabad
      Reviewed on May 07, 2016
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