HDFC Bank Business Platinum

Annual fee

₹299 + GST

Fee waiver rule

Fee waived if you spend ₹30,000.

Add-on card fee

₹0

Reward rate

0.5% CashBack for all retail spends on minimum statement balance of ₹10,000; 1% CashBack on minimum statement balance of ₹50,000

Government spend earning

Government related transactions will not earn Reward Points.

Rent earning

Rent payments will not earn Reward Points.

Reward earning on international spends

Flat 1% CashBack on International spends of ₹10,000 or more in a statement cycle.

Reward exclusions

CashBack not applicable for wallet uploads, fuel transactions & international spends

Reward caps

Maximum reward points that can be earned in a statement cycle for business platinum IS 15,000

Cashback redemption

CashBack amount would reflect in the subsequent statement.

Point expiry

Reward Points /CashPoints are valid only for 2 years from the date of accumulation

Domestic lounge access

Access to airport lounges at various airports in India.

Priority Pass

Not offered for Business Platinum; Priority Pass Lounge Charges apply to Regalia / Regalia Activ / Doctor's Regalia / Regalia Gold / Tata Neu Infinity / Business Regalia / BizPower only

Fuel surcharge waiver

Fuel surcharge waived off on fuel transactions of ₹400 to ₹5000, maximum waiver of ₹500 per statement cycle

Surcharge on railway tickets

1% of the transaction + GST will be charged on Railway Ticket Purchases

Lost card liability

Zero liability on any fraudulent transactions on your card after reporting the loss to the 24-hour call centre.

Balance transfer terms

1% processing charge

Dynamic currency conversion markup

With effect from 15th May 2026, a markup fee of 1.75% is levied on all transactions carried out in Indian Currency at an international location or at merchants located in India but registered overseas

Cash advance fee

2.5% of the amount or ₹500 whichever is higher.

Cash advance interest

All cash advances also carry a finance charge equal to charges on revolving credit, from the date of withdrawal until the date of full payment

Cash withdrawal limit

Cash withdrawal limit: 40% of the Credit Limit.

Interest on unpaid balance

Finance charges for both revolving credit and cash advances: All other variants 3.75% Monthly 45.0% Annually.

Interest-free period

The interest free credit period could range from 20 to 50 days subject to the scheme applicable on the specific Credit Card

Late payment fee

Late Payment Charges (Excl. GST): Less than equal to ₹100 Nil; ₹101 to ₹500 ₹100/-; ₹501 to ₹1,000 ₹500/-; ₹1,001 to ₹5,000 ₹600/-; ₹5,001 to ₹10,000 ₹750/-; ₹10,001 to ₹25,000 ₹900/-; ₹25,001 to ₹50,000 ₹1100/-; More than ₹50,000 ₹1300/

Over-limit fee

Over-limit charge of 2.5% of the overlimit amount, subject to a minimum of ₹550, applicable on total outstanding exceeding the credit limit, basis explicit consent

Payment return or dishonour fee

2% of Payment amount subject to minimum of ₹450 (applicable for cheque payment return or unsuccessful payment attempt through Autopay facility)

Statement or duplicate statement fee

Duplicate physical statement charges: ₹10 per duplicate physical statement.

Card replacement fee

₹199 for non-metal cards; ₹3,500 for metal cards.

Cash payment / cash deposit fee

₹100 for all card payments made by depositing in HDFC Bank branches or ATMs.

Education / school fee charge

1% fee on Education transactions done through third party applications like (but not limited to) CRED, Nobroker, Cheq etc.; fee capped at ₹4999 per transaction. Education transactions done directly through college / school websites or through POS machines at their premises will not be charged; international Education transactions will not be charged.

EMI conversion fee

Smart EMI processing fee upto ₹849 (exclusive of GST for all loan amounts), depending on the customer’s eligibility/offer details; EasyEMI processing fee: an EMI processing fee of upto ₹299 for customers availing EMI facility at merchant

Fee on online skill-based gaming spends

1% fee on Online Skill based gaming spends exceeding ₹10,000 in a calendar month, applied on the total Online skill-based gaming spends in a calendar month; fee capped at ₹4999 per month.

Foreign ATM fee

Cash from ATMs in India or abroad: transaction fee of 2.5% or ₹500, whichever is higher, levied on the amount withdrawn and billed in the next statement.

Wallet load charge

From 1st July 2025, 1% fee on wallet loading spends (excl PayZapp) exceeding ₹10,000 in a calendar month; fee applied on the total wallet loading spends in the calendar month; fee capped at ₹4999 per month

Fuel transaction fee

1% fee on fuel transactions exceeding ₹15,000 for consumer cards (₹30,000 for business cards), applied on the total transacted amount; fee capped at ₹4999 per transaction.

Rent transaction fee

1% fee on transaction amount on rental transactions done on any applicable merchant for the month; fee capped at ₹4999 per transaction.

Utility transaction fee

1% fee on utility spends exceeding ₹50,000 per calendar month for consumer cards (₹75,000 per calendar month for business cards), applied on the total utility spends in a calendar month; fee capped at ₹4999 per month.

GST note

GST at 18% applicable effective 1st July 2017, replacing Service Tax, KKC & SBC of 15%

Minimum amount due

MAD (WEF June’25) = Total GST + EMI amount + 100% of Fees/Charges + Overlimit Amount (if any) + 5% of (Finance Charge + Retail Spends + Cash Advance) when that 5% is higher than the Finance Charge; otherwise 100% of Finance Charges + 5% of (Retail Spends + Cash Advance)