HDFC Bank Business Platinum
HDFC Bank
Annual / renewal fee
₹299.
VerifiedMITC – Common Credit Card Terms & Conditions (older version, covers Platinum cards)14 Aug 2026, 8:48 AM ISTHDFC Bank
Earn rate
- Reward Points earned for transaction amounts in multiples of ₹200.
- Residual amounts or transactions below ₹200 will not earn Reward Points (revised to multiples of ₹200 from 15th May 2026; Business Platinum base accrual 2 points per ₹200 spent).
VerifiedMITC – Common Credit Card Terms & Conditions (older version, covers Platinum cards)4 Aug 2026, 2:45 PM ISTHDFC Bank
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at hdfc.bank.in — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at hdfc.bank.in — if a different card is shown first, use its card selector to pick this one.
Overview
Business Platinum by HDFC Bank. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
Free.
VerifiedBusiness Platinum (fleet document) — governing document (side-door search)14 Aug 2026, 8:48 AM ISTHDFC Bank
Annual / renewal fee
₹299.
VerifiedMITC – Common Credit Card Terms & Conditions (older version, covers Platinum cards)14 Aug 2026, 8:48 AM ISTHDFC Bank
Fee waiver
Spend ₹30,000 in a year and get a waiver of next year's annual membership fee (spend condition excludes Cash on Call, Balance Transfer and Cash Withdrawal).
VerifiedMITC – Common Credit Card Terms & Conditions (older version, covers Platinum cards)14 Aug 2026, 8:48 AM ISTHDFC Bank
Renewal fee
Business Platinum - ₹299 annual/renewal fee.
VerifiedMITC – Common Credit Card Terms & Conditions (older version, covers Platinum cards)14 Aug 2026, 8:48 AM ISTHDFC Bank
Rewards
- Reward Points earned for transaction amounts in multiples of ₹200.
- Residual amounts or transactions below ₹200 will not earn Reward Points (revised to multiples of ₹200 from 15th May 2026; Business Platinum base accrual 2 points per ₹200 spent).
VerifiedMITC – Common Credit Card Terms & Conditions (older version, covers Platinum cards)4 Aug 2026, 2:45 PM IST
Redemption value
- Rewards Redemption Fee of ₹75 (₹99 wef 15th August 2017) per redemption request.
- Reward Points valid only for 2 years from date of accumulation.
VerifiedMITC – Common Credit Card Terms & Conditions (older version, covers Platinum cards)14 Aug 2026, 8:48 AM ISTHDFC Bank
Reward cap
Maximum reward points that can be earned in a statement cycle for Business Platinum is 15,000.
VerifiedMITC – Personal Credit Cards (omnibus, English)14 Aug 2026, 8:48 AM ISTHDFC Bank
Reward exclusion
VerifiedMITC – Common Credit Card Terms & Conditions (older version, covers Platinum cards)14 Aug 2026, 8:48 AM ISTHDFC Bank
Travel & lounge
Lounge access
Confirm on the official page
Official source not yet captured
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
Confirm on the official page
Official source not yet captured
Eligibility
Not published in the official documents on file — see the official T&C link below.
Charges & interest
Forex markup
Cross currency mark-up of 3.5% on foreign currency transactions.
VerifiedMITC – Common Credit Card Terms & Conditions (older version, covers Platinum cards)14 Aug 2026, 8:48 AM ISTHDFC Bank
Charge
- Cash advance fee: 2.5% (Minimum ₹500) of amount withdrawn.
- Charges on revolving credit / finance charge: 3.49% per month (41.88% annually).
- Maximum interest rate on default 3.5% per month (42% annually).
- Card against fixed deposit 1.99% per month (23.88% annually).
- Cross currency mark-up (foreign currency): 3.5% of transaction value.
- Over-limit charges: 2.5% of over limit amount, minimum ₹500.
- Payment return charges: 2% of payment amount, minimum ₹450.
- Late payment charges (excluding Infinia): Nil below ₹100.
- ₹100 (₹100-500).
- ₹400 (₹501-5000).
- ₹500 (₹5001-10000).
- ₹700 (₹750 wef 15 Aug 2017) above ₹10001.
- Cash processing fee: ₹100.
- Rewards redemption fee: ₹75 (₹99 wef 15 Aug 2017) per redemption request.
- Balance transfer processing: 1% of BT amount or ₹250 whichever higher.
- Card re-issuance (lost/stolen/damaged): ₹100.
- Dynamic Currency Conversion (DCC) markup fee revised to 1.75% effective 15th May 2026.
- Card re-issuance revised to ₹199 for non-metal cards effective 15th May 2026.
VerifiedMITC – Common Credit Card Terms & Conditions (older version, covers Platinum cards)14 Aug 2026, 8:48 AM ISTHDFC Bank
Fuel surcharge waiver
- Fuel Surcharge Waiver capped at ₹250 every billing cycle (GST applicable).
- Waived for transactions between ₹400 to ₹5000.
- Waiver capped at 1% of eligible fuel transaction amount.
- GST on fuel surcharge is non-refundable.
VerifiedMITC – Common Credit Card Terms & Conditions (older version, covers Platinum cards)14 Aug 2026, 8:48 AM ISTHDFC Bank
Interest-free period
Up to 50 days interest-free credit period (range 20 to 50 days, subject to scheme and submission of claims by merchant; not applicable if previous balance not cleared in full or cash withdrawn from ATM).
VerifiedMITC – Common Credit Card Terms & Conditions (older version, covers Platinum cards)14 Aug 2026, 8:48 AM ISTHDFC Bank
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the Business Platinum?
Officially traced: Rs. 299.
MITC – Common Credit Card Terms & Conditions (older version, covers Platinum cards)What is the joining fee on the Business Platinum?
Officially traced: Free.
Business Platinum (fleet document) — governing document (side-door search)Is the Business Platinum annual fee ever waived?
Spend Rs. 30,000 in a year and get a waiver of next year's annual membership fee (spend condition excludes Cash on Call, Balance Transfer and Cash Withdrawal).
MITC – Common Credit Card Terms & Conditions (older version, covers Platinum cards)How does the Business Platinum earn rewards?
Reward Points earned for transaction amounts in multiples of Rs. 200.
MITC – Common Credit Card Terms & Conditions (older version, covers Platinum cards)What are the transfer ratios for Business Platinum points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.hdfc.bank.in/commercial-credit-cards/business-platinum-credit-card.
VerifiedBusiness Platinum product page14 Aug 2026, 8:48 AM ISTHDFC Bank
Verified 2026-08-14 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.