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  • HDFC Bank Platinum Plus Credit Card

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    Key Highlights of the HDFC Bank Platinum Plus Credit Card

    The HDFC Bank Platinum Plus Credit Card is one that rewards you each time you spend. Moreover, this premium credit card also comes with other benefits such as free accidental death insurance and purchase protection.

    • 2 Reward Points for every Rs.150 that you spend.
    • 50% more Reward Points for incremental spends above Rs.50,000 in a statement cycle.
    • Up to Rs.50 lakh free accidental death insurance.
    • Up to Rs.2 lakh purchase protection.

    Features and Benefits of the HDFC Bank Platinum Plus Credit Card

    Rewards

    • Get 2 Reward Points per Rs.150 that you spend.
    • Get 50% more Reward Points on incremental spends above Rs.50,000 per statement cycle.
      • In this case, you get 3 Reward Points per Rs.150 that you spend that is over Rs.50,000.

    Insurance Coverage

    With this credit card, you get two types of insurance coverage:

    • Accidental death insurance
    • Fire and burglary protection

    Accidental Death Insurance

    For this insurance to kick in, you will have to:

    • Make a minimum of 4 transactions of Rs.100 (or more) each in a calendar month.
    • You then get accidental death insurance cover up to 5 times your credit limit (up to Rs.50 lakh).

    Purchase protection for fire and burglary insurance

    For the purchase protection to kick in, you need to:

    • Purchase a product for at least Rs.5,000.
    • Make a claim 180 days post the purchase of the product. Any claim made post this 180 day period will not be considered.

    The insurance coverage will depend on the type of product you purchase.

    • For personal portable equipment, the insurance coverage is Rs.25,000 per item.
    • For all other assets, the maximum insurance coverage is up to Rs.2 lakh.

    Easy Utility Bill Payments

    Register your card with HDFC's utility bill payment service, SmartPay, and you won't have to worry about missing a bill payment again.

    Free Add-on Cards

    Get up to 3 add-on cards with your HDFC Bank Platinum Plus Credit Card. The best part? These three add-on cards are free for life. So, your family can feel the joy of owning the card at no added expense.

    HDFC Bank Platinum Plus Credit Card Credit Limit

    The credit limit on your card is the total amount you can spend without incurring any type of penalty for spending over the limit.

    With respect to your Platinum Plus Credit Card, the bank will intimate the credit limit to you when they process your application or they hand over the card to you.

    The limit on your card will depend on a number of factors and as such differs from person to person. In general, however, the factors that go into determining the credit limit on your card include your employment status, your annual income, the amount of debt you currently have, the number of credit cards you currently own, your credit repayment history, and your credit score among others.

    Latest Offers on Your Platinum Plus Credit Card

    • Get 10% off on your Accor Plus Combo Membership (valid until 31 December 2019).
    • 10% instant discount on minimum purchase of Rs.5,000 on Myntra (valid until 7 December 2019).
    • 20% instant discount when you use the promo code 'ALHDFC' and book your next Zoom Car ride (valid until 31 December 2019).

    Reward Point Benefits on Your Platinum Plus Credit Card

    Each time you use your card, you earn:

    • 2 Reward Points per Rs.150 spent.
    • 50% more Reward Points on incremental spends above Rs.50,000 per billing period.
      • This gives you 3 Reward Points per Rs.150 spent.

    How to Redeem the Points You Earn on Your HDFC Bank Platinum Plus Credit Card

    You can redeem the points you earn on your credit card for products or vouchers from the bank's rewards catalogue.

    Here's how you can go ahead and redeem the points on your card:

    • Login to your HDFC net banking account.
    • If you haven't already registered your credit card, you will have to first register it and then proceed towards points redemption.
    • Select 'Redeem Reward Points' and proceed to the Online Redemption portal.
    • Select 'Redeem Reward Points' once again, adjust the points range, and view the items available for redemption.
    • Choose the items you wish and add them to your shopping cart.
    • Before checking out, ensure that details such as your address and email ID are correct. This is important since all products will be sent to your registered address. In case, any details have changed, you should first call HDFC's customer service centre and request them to update your details. Once the details have been updated, you can proceed with redeeming your points.
    • Select 'Redeem' and note down the redemptions order number. You will require this number for all further communication regarding this redemption.

    Fees and Charges for the HDFC Bank Platinum Plus Credit Card

    Type of Charge Amount
    Add-on card fee Nil
    Minimum repayment amount 5% of the outstanding balance, subject to a minimum of Rs.200
    Cash advance limit 40% of the credit limit
    Cash advance charge 2.5% of the amount withdrawn or Rs.500, whichever is higher
    Over limit fee 2.% of the amount withdrawn, subject to a minimum of Rs.500
    Reward redemption fee Rs.99

    Eligibility for the HDFC Bank Platinum Plus Credit Card

    HDFC will determine whether or not you are eligible for this card. Here are the age criteria to meet to be able to apply for this card:

    Salaried Individuals

    • Minimum age: 21 years
    • Maximum age: 60 years

    Self-employed Individuals

    • Minimum age: 21 years
    • Maximum age: 65 years

    Documents Required for the HDFC Bank Platinum Plus Credit Card

    The kind of documents required will differ from person to person. In general, however, these are the documents that you may be required to provide at the time of application:

    • Identity-related documents: These documents include (but are not limited to) your Aadhaar card, PAN card, passport, and driving licence among others.
    • Address proof documents: Documents that you can submit as address proof include your passport, Aadhaar card, ration card, etc.
    • Income proof documents: These include (but are not limited to) your latest payslips, your latest income tax returns, your Form 16, etc.

    How to Apply for the HDFC Bank Platinum Plus Credit Card

    You can apply for this credit card on the bank's website. All you will have to do is provide the information required and submit the online application form.

    Once this is done, you may either receive an SMS from the bank or a call from a representative of the bank to help process your application.

    Alternatively, you can visit the bank's branch and apply for this card in person.

    HDFC Bank Platinum Plus Credit Card Frequently Asked Questions

    1. What is the validity of the Reward Points earned on this card?
    2. Your Reward Points are valid for two years from the date of accumulation. So, all points earned in July 2019 will expire in July 2021.

    3. Are there any products that the complimentary purchase protection not cover?
    4. Yes. The purchase protection does not cover any damage or loss caused by fire to articles that are combustible in nature, motor vehicles, pedal cycle deeds, bills of exchange, promissory notes, business books, manuscripts, precious stones, jewellery of any kind, valuables, and certificates.

    5. What is the interest-free period on this card?
    6. You get to enjoy an interest-free period of up to 50 days on this card.

    7. Is there any cap on the points that you earn?
    8. No, there is no cap on the points that you earn. However, points earned on insurance transactions will be capped at 2,000 points per transaction.

    9. How do I make a claim for the accidental death insurance?
    10. To make a claim, the cardholder's legal heir needs to intimate the bank of any accidental death within 30 days of it happening. They can do this by sending an email to bankclaims@hdfcergo.com. Post this, all relevant documents need to be submitted by the legal heir. All the documents need to be sent within 60 days of the accidental death and sent to bankclaims@hdfcegro.com.

    11. How do I make a purchase protection claim?
    12. To make a purchase protection claim, you will need to intimate the bank of any loss within 15 days of it happening. This can be done by sending an email to bankclaims@hdfcergo.com. Post this, all relevant documents need to be emailed to bankclaims@hdfcergo.com within 45 days of the loss of the product.

      

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    HDFC Bank Platinum Plus Credit Card Reviews

    • HDFC Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I am using HDFC bank platinum credit card for more than 5 years. Since I am holding a savings account I got an offer for a card. The process was smooth and good i have not face any issue.The credit limit is sufficient to use. I used to get reward points based on the transactions.
      Was this review helpful? 1
      , chennai
      Reviewed on May 08, 2019
    • HDFC Bank
      HDFC Bank Credit Card
      "Worst service"
      0.5 0.5/5 "Unacceptable"
      Please don't go for this bank. They trouble you to a large extent, especially during account closure. Especially with credit cards, even though you delink and close the card, they don't process the request. They try to take the maximum advantage of your situation. They generate bills, in your name and card even after you close your card, put you in a helpless situation. Please don't choose this bank
      Was this review helpful? 9
      , bangalore
      Reviewed on Jan 25, 2019
    • HDFC Bank Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I had been using this credit card for the last two years and the services of them has been quite good. There is a good credit limit with this card and there has been benefits like reward points which comes with this card and it has been a life time free card as well.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jan 23, 2019
    • HDFC Bank Credit Card
      "Experience is good"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank is pretty good in the credit card services. The customer care is good and there are no hassles in the process. There are offers on the card. The statements and billing is good and I have not had any difficulty while using the card. The services are good overall.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 19, 2019
    • HDFC Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been using HDFC platinum credit card for long time, they have not charged me annual fee in this card, as it is life time free credit card,and i am happy with credit limit they have given me in this card, and they provide good offers in maximum products like for shopping and offers in fuels and movie tickets etc.
      Was this review helpful? 1
      , new delhi
      Reviewed on Dec 27, 2018
    • HDFC Bank Credit Card
      "Hard Reaching Customer Care"
      0.5 3.0/5 "Satisfactory"
      I hold a HDFC credit card and i am using since a while. The services are not that effective and reaching to the customer care people is a hard task. Even applying for a credit card , they carry so many paperwork. HDFC can work on making things easy for their customer. Customer handling has to be effective.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Dec 18, 2018
    • HDFC Bank Credit Card
      "Good Card to use"
      0.5 4.0/5 "Great!"
      I have received the HDFC with a credit limit of Rs. 38000 which is not acceptable and I'm dissatisfied with it. Right now I'm getting more salary, even through my credit limit was very less. They should increase the credit limit according to the customer's salary. Its a life time free credit card. Since I'm existing customer, they have waived off my annual fee.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 13, 2018
    • HDFC Bank Credit Card
      "Worst experience"
      0.5 0.5/5 "Unacceptable"
      I have applied for this card before three months I didn't receive it yet and they are recharging my no. Unnecessarily. And I have to pay 1200 rupees. My money was wasted. So many hidden charges they don't tell you at the time of application. Don't go for it.
      Was this review helpful? 1
      , ludhiana
      Reviewed on Sep 15, 2018
    • HDFC Bank Credit Card
      "Fantastic card"
      0.5 5.0/5 "Blown Away!"
      I have been using this HDFC platinum plus credit card for past 10 years. They have offered me a credit limit of Rs. 4 lakhs and i'm satisfied with it. they have given me a life time free credit card. They are providing time to time offer hence there is no permanent offer.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jul 29, 2018
    • HDFC Bank Credit Card
      "Very Good Service"
      0.5 5.0/5 "Blown Away!"
      I had been holding this card for the last one year and the services which they had been providing so far had been very good. The credit limit of 65 thousand which they had provided had been satisfactory and also they had enhanced it three months back. I had been using the card for traveling purposes, purchasing of Gold, and booking at Hotels. There has not been any annual fee which was charged by them so far.
      Was this review helpful? 0
      , chennai
      Reviewed on Jul 20, 2018
    • HDFC Bank Credit Card
      "Good service"
      0.5 3.0/5 "Satisfactory"
      I had been using this card till the year of 2005 and the experience with the card has been good. They had given me with a good credit limit of 75 thousand, and i am not sure there has been any annual fee was there with the card. I have discontinued with them for some personal reasons.
      Was this review helpful? 1
      , chennai
      Reviewed on Jul 18, 2018
    • HDFC Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      It is a life time free credit card. I have never experienced of their customer care service since i never used it. I rarely used the credit card thats the reason. I don't remind about the benefits and plans of this card. They have offered me a credit limit of nearly 72000. I never faced any issue with this credit card. I have bought the card 2 years ago and still i'm using this card.
      Was this review helpful? 1
      , mumbai
      Reviewed on Jun 30, 2018
    • HDFC Bank Credit Card
      "Very good service"
      0.5 5.0/5 "Blown Away!"
      It has been the best card which i am holding among all the other cards. The credit limit which they had provided with the card has been really good and i have been using the card for shopping and all other purchases as well. The annual fee of 500 which they are charging is high but since there are cards which is life time free.
      Was this review helpful? 1
      , new delhi
      Reviewed on Jun 06, 2018
    • HDFC Bank Credit Card
      "EMI option is not available in HDFC"
      0.5 2.0/5 "Expected more"
      I have been using this HDFC credit card for 7 months. I have called to their customer service to convert the purchase into EMI. For that they replied that i don't have EMI option. I have to avail offer to convert the EMI option. 1st year annual fee is free. From the 2nd year, if i use more than 1.50 lakhs then my annual will get waived off. EMI option has to be in the card as default. They have confirm the billing cycle before despatch the card.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 06, 2018
    • HDFC Bank Credit Card
      "Excellent compared to others"
      0.5 4.0/5 "Great!"
      They is no annual fee for this card. I used get a lots of offers in online. I will get some discounts when i purchase in some website. Payment is easy to make the payment. I have been using this card for past 10 years. Everything is okay compared to other credit card providers.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 05, 2018
    • HDFC Bank Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      Am using Hdfc credit card for last 1 years for general purpose, as there is no transaction charges . Am satisfied with the credit limit of rs 1 Lakh . There is no annual charges its life time free card . There is cash back and reward points are available which can be redeem .and their customer service and response is good . Making the payments through on-line banking.
      Was this review helpful? 0
      , yamuna nagar
      Reviewed on Jun 04, 2018
    • HDFC Bank Credit Card
      "Credit Limit should be high"
      0.5 5.0/5 "Blown Away!"
      I never face any problem in this card. It is almost 2 years since i use this card. But the credit limit is not nice they have offered me Rs. 42000. I have not given any request to increase my credit limit. Buy 1+ Get 1 tickets offer in that there are free tickets in this credit card. I plan to surrender this card.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 31, 2018
    • HDFC Bank Credit Card
      "Waste Credit Card"
      0.5 4.0/5 "Great!"
      There is nothing best in this card. Their is no cashback and rewards points are not there. I'm holding this card for 2 years. They offered me a credit limit of Rs. 25000 but most of the time i wont use this card. Since I'm away from my family, i wont use for shopping and other stuff.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 29, 2018
    • HDFC Bank Credit Card
      "Good Limit with Less Documents"
      0.5 4.5/5 "Excellent!"
      I just want to close this card because of the less credit limit. I got the credit limit of Rs.40000 when i got the card. I got the card 2 years before. Nowadays i'm not using this card. Interest rates are nominal. Their is no annual fee. They are charging 13% interest rate for the EMI conversion. For regular transaction, I'm not aware of the interest rate.
      Was this review helpful? 2
      , bangalore
      Reviewed on May 29, 2018
    • HDFC Bank Credit Card
      "Excellent service"
      0.5 4.0/5 "Great!"
      It has been the best credit card among all the cards which i am holding so far. Because even if i miss the payments there has been a personal assistance from the customer service executive to make a reminder of that and even they make calls during the offers and explain about the benefits and making the proper intimations on time which is great. It has been a very good service which they have been providing so far and i am happy with it, even the credit limit had been very good with the card.
      Was this review helpful? 1
      , chennai
      Reviewed on May 18, 2018
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