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  • HDFC Bank Platinum Edge Credit Card

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    Fee Details

    The HDFC Platinum Edge Credit Card offers rewards points on all eligible spends. You can convert these points into cashback and use it to settle your outstanding bills. You can always exchange your points for gifts and air miles from the rewards catalogue.

    Key Highlights of the HDFC Platinum Edge Credit Card

    This is what the card offers you:

    • 2 Rewards Points (RPs) per Rs.150 spent on dining and retail transactions.
    • Complimentary Accidental Death Insurance up to Rs.50 lakh.

    Features and Benefits of the HDFC Platinum Edge Credit Card

    Rewards
    • Earn 2 RPs per Rs.150 spent on retail transactions.
    • Accumulate RPs and redeem for cash back at the rate of 100 points = Rs.10 cashback.
    • Also redeem points for air miles and gifts from the bank's exclusive rewards catalogue.
    Dining
    • Earn 50% more Rewards Points on your dining spends.
    • This is applicable to transactions made under 'Restaurant' MCC (merchant category code) and not for those classified under 'Hotel' MCC.
    Fuel
    • Enjoy 1% fuel surcharge on a minimum transaction of Rs.400.
    • Earn a maximum of Rs.250 per statement cycle.
    Insurance benefits

    Complete at least 4 transactions per month and enjoy the following complimentary insurance covers:

    • Accidental Death Insurance up to Rs.50 lakh.
    • Fire and Burglary cover for 180 days for purchases above Rs.5,000. Maximum cover of Rs.2 lakh with a sub-limit of Rs.25,000 for personal portable equipment.
    Secure transactions

    This card can be used at chip enabled and non-chip enabled POS (point of sale) terminals for convenient payments. Dip your card at a chip enabled POS terminal or swipe it at a non-chip enabled POS terminal to complete your transaction.

    Zero liability on losing card

    Report the loss of your card immediately to HDFC's call centre (available 24 hours) and you will not be held liable for any fraudulent transactions charged to your card.

    Interest-free credit

    Enjoy up to 50 day of interest-free credit on purchases from your purchase date.

    HDFC Platinum Edge Credit Card Credit Limit

    When issuing you with the credit card, HDFC will inform you of the credit limit available to you. The credit limit extended to you will be based on numerous factors including (but not limited to) your annual income, employment status, credit score, and other debt obligations.

    The credit limit that you are offered for this HDFC card can be different than the limit offered to another applicant for the same card.

    Latest Offers on HDFC Platinum Edge Credit Card

    • Isprava Villas - Enjoy 10% off on bookings made at Isprava Villas on your credit card until 1 March 2020.
    • Accor Plus - Get 10% off on the Accor Plus Combo Membership until 31 December 2019. Accor Plus is a travel, lifestyle, and dining program in Asia Pacific.
    • O2 Spa - Get 10% discount on spa services at O2 Spa with your HDFC credit card until 28 February 2020.

    Reward Points Benefits of HDFC Platinum Edge Credit Card

    As previously mentioned, here are the rewards points benefits you will enjoy on your HDFC card:

    • Earn 2 Rewards Points per Rs.150 you spend using your card on retail transactions.
    • Accumulate your points and redeem for cashback, gifts, or air miles.

    Any transaction below Rs.150 will not earn any points. Also, only retail transactions will earn Rewards Points.

    How to Redeem Rewards Points Earned on HDFC Platinum Edge Credit Card

    There are two ways to redeem your Rewards Points - online and offline:

    Online - Through NetBanking

    • Log into NetBanking using your username and password.
    • Locate the 'Credit Card' tab on top and click on it.
    • You will have to complete a one-time registration for your credit card by clicking on 'Register New Card'. This option is found on the left-hand side on the navigation bar.
    • Complete the registration process by entering your 4-digit card PIN.
    • Next, locate the 'Redeem Reward Points' on the left-hand side on the navigation bar and click on it. Click on 'Continue' to go to the Online Redemption portal.
    • On the Online Redemption Homepage, click on 'Redeem Reward Points'.
    • Select your 'Points Range' (based on your accumulated points) and then on 'Item Category' to see the catalog.
    • Add items to your shopping cart.
    • Click on the 'View Shopping Cart' option to see your selected items. You can modify the quantity here by using the 'Edit' option.
    • Read the 'Terms and Conditions' and check the box confirming the same.
    • Click on the 'Redeem' option to complete the process. You will receive a Redemption Order Number. Save this number in case of any future discrepancy.

    The items you have redeemed will be sent to the address you see on the redemption page. If there is a discrepancy pertaining to the address, then do not proceed to redeem your points. You will need to call the bank's customer service to update your address first.

    Offline - Through Post

    • Check your available points on the NetBanking portal or on your credit card statement.
    • Select the reward(s) of your choice and generate the coupon for the same.
    • Post the receipt of the coupon through the 'Rewards Redemption Coupons' form available on the bank's website for download and submission by post.

    The redeemed items will be delivered to your registered address in 10 to 15 business days.

    Fees and Charges of HDFC Platinum Edge Credit Card

    Type of Fee Amount
    Joining fee Rs.1,000
    Renewal fee Rs.1,000
    Interest rate 3.49% p.m. (41.88% p.a.)
    Interest-free period Maximum 50 days
    Minimum payment Rs.200 or 5% of the outstanding balance, the higher of the two
    Late payment fee
    • Below Rs.100: No charge
    • Rs.100 - Rs.500: 100
    • Rs.501 - Rs.5,000: Rs.500
    • Rs.5,001 - Rs.10,000: Rs.600
    • Rs.10,001 - Rs.25,000: Rs.800
    • Above Rs.25,000: Rs.950
    Rewards redemption fee Rs.99 per redemption
    Cash advance limit Maximum 40% of the limit
    Replacement card in case of loss/damage Rs.100

    Eligibility of HDFC Platinum Edge Credit Card

    In order to apply for this credit card, you need to meet the following criteria:

    Salaried employees:
    • Minimum age - 21 years
    • Maximum age - 60 years
    Self-employed individuals:
    • Minimum age - 21 years
    • Maximum age - 65 years

    Documents Required for HDFC Platinum Edge Credit Card

    You will have to provide certain documents to prove your eligibility for this credit card. Such documents include:

    • ID proof documents - such as PAN card, Aadhaar card, passport, driving licence, etc.
    • Address proof documents - such as utility bills, bank statements, voter's ID, Aadhaar card, etc.
    • Income documents - such as salary slips, ITRs, employment letter, etc.

    The bank as per its discretion can ask you to produce certain documents to confirm your eligibility.

    How to Apply for HDFC Platinum Edge Credit Card

    There are two ways you can apply for this card:

    • You can apply online on the bank's website by filling and submitting the 'Credit Card Application Form'.
    • You can visit your nearest HDFC Bank branch and apply in person.

    HDFC Platinum Edge Credit Card FAQs

    1. Is there a validity period for the Rewards Points earned on my card?
    2. Yes. Rewards Points will be valid for a period of 2 years from the accumulation date. For example, if you accumulated your points in June 2019, then they will be valid until June 2021.

    3. What is the minimum number of Rewards Points required for redemption?
    4. You need to accumulate a minimum of 2,500 Rewards Points to redeem for rewards from the rewards catalogue.

    5. Will I earn Rewards Points on paying my insurance premiums with my HDFC credit card?
    6. Yes. Your insurance premium payments will earn you Rewards Points. However, the cap for earning points on insurance payments is 2,000 points per transaction.

    7. Can I use my credit card to make online purchases?
    8. Yes. You can make online purchases using this HDFC card.

    9. How to make a claim for the complimentary insurance provided on this card?
    10. All claims must be intimated to bankclaims@hdfcergo.com. In case of accidental death claim, the legal heir must intimate the same to HDFC within 30 days of the incident, and in case of fire & burglary insurance, claims must be raised within 15 days of the loss.

      

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    HDFC Bank Platinum Edge Credit Card Reviews

    • HDFC Bank Credit Card
      "Very good"
      0.5 4.0/5 "Great!"
      I have one more credit card its HDFC bank last one and half year this life time free card and I am satisfied with credit limit but their customer service is not good and response not at a time , and in this card rewards point offer but I am not using much more in this card ,
      Was this review helpful? 1
      , mumbai
      Reviewed on Apr 04, 2019
    • HDFC Bank
      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
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