The Platinum Times credit card by HDFC Bank is specifically curated for all the movie buffs and the foodies in the country. With this card, you get exclusive discounts on movie ticket bookings and dining along with benefits under different categories as well.
Other HDFC Bank Credit Cards
The credit limit for the HDFC Bank Platinum Times card will be at the discretion of the bank. The bank takes several factors into consideration before adding a credit limit such as the credit report of the applicant, the credit score and the repayment habits of past and ongoing loans.
Redemption of HDFC credit card points can be done offline, through post as well as online.
If you wish to redeem the points through post, you will have to download the points redemption form from the website.
Add the details and then send it to the address mentioned below:
HDFC Bank Cards Division,
P.O. Box No. 8654,
Chennai - 600041.
To redeem the credit card points online, here are the steps which you need to follow:
|Type of Charge||Amount|
|Cash advance limit||40% of the credit limit|
|Minimum repayment amount||5% or a minimum of Rs.200|
|Interest-free period||Up to 50 days|
|Charges on revolving credit||3.49%|
|Additional card fee||Free|
|Cash advance charges||2.5% on the withdrawn amount or Rs.500; the higher amount is taken.|
|Charges on over limit account||2.5% on the over limit amount subject to a minimum of Rs.450.|
|Late payment charges||
|Payment return charges||2% of the payment amount subjected to a minimum of Rs.450.|
|Rewards redemption fee||Rs.99 per request.|
|Cash processing fee||Rs.100|
|Balance transfer processing charges||1% of the balance transfer amount or Rs.250. The higher amount will be taken.|
|Fuel transaction surcharge||Fuel surcharge is capped at Rs.250 per billing/statement cycle.|
|Outstation cheque processing charge||
If cheque value is up to Rs.2,500 - Rs.25
If cheque value is more than Rs.2,500 - Rs.50
|Reissue of stolen, lost or damaged card||Rs.100|
|Railway ticket purchase fee||1.8% of the transaction amount + GST|
|Foreign currency transaction||3.5%|
|Card validation charges - Lounge||Rs.2 and will not be reversed by the bank.|
You can apply for the credit card through offline or online methods.
If you do not have access to the internet or net banking, you can visit the branch of HDFC bank and apply for the card by filling the application form. You are required to present all the documents at the bank while applying for the card.
However, through online methods, you can apply for the credit card from the official website of HDFC Bank or through BankBazaar.
To apply for the card on BankBazaar, here are the steps you need to follow:
Cardholders must pay a minimum of 5% of the outstanding balance, subject to a minimum of Rs.200.
Payments can be made via cheques, cash, at ATMs or by using net banking.
Yes, customers can apply for up to 3 add-on cards with a lifetime fee waiver.
Yes, this credit card can be used for online transactions after registering with MasterCard SecureCode.
The HDFC Platinum Times credit card can be used at retail outlets, travel sites, entertainment websites and much more.
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