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.
This is what the card offers you:
Complete at least 4 transactions per month and enjoy the following complimentary insurance covers:
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 the HDFC credit card can be different than the limit offered to another applicant for the same card.
As previously mentioned, here are the rewards points benefits you will enjoy on your HDFC card:
Any transaction below Rs.150 will not earn any points. Also, only retail transactions will earn Rewards Points.
There are two ways to redeem your Rewards Points - online and offline:
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.
The redeemed items will be delivered to your registered address in 10 to 15 business days.
| 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 |
|
| Rewards redemption fee | Rs.99 per redemption |
| Cash advance limit | Maximum 40% of the limit |
| Replacement card in case of loss/damage | Rs.100 |
In order to apply for this credit card, you need to meet the following criteria:
Salaried employees:You will have to provide certain documents to prove your eligibility for this credit card. Such documents include:
The bank as per its discretion can ask you to produce certain documents to confirm your eligibility.
There are two ways you can apply for this card:
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 2023, then they will be valid until June 2025.
You need to accumulate a minimum of 2,500 Rewards Points to redeem for rewards from the rewards catalogue.
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.
Yes. You can make online purchases using this HDFC card.
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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