HDFC Bank Platinum Edge Credit Card
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Premium · Closed to new applications · Earns Reward Points
HDFC Bank no longer offers this card. The bank’s own page says: “We are currently not accepting new applications for the HDFC Bank Platinum Edge Credit Card”
Open alternatives
Notice from HDFC Bank
“We are currently not accepting new applications for the HDFC Bank Platinum Edge Credit Card.”
HDFC Bank’s own pageAnnual fee
₹599 a year.
₹599 joining / annual membership feeWhat it gives back
2 Reward Points per ₹200 · everyday spends
Fees
Annual fee
₹599 a year.₹599 joining / annual membership fee
Fee waiver rule
Fee waived if you spend ₹50,000.
Add-on card fee
₹0
Rewards
Reward rate
2 Reward Points per ₹200 · everyday spends2 Reward Points for every ₹200 spent.
Government spend earning
Government related transactions will not earn Reward Points /CashPoints.
Rent earning
Rent payments will not earn Reward Points /CashPoints.
Reward earning on dining spends
50% more reward points at premium restaurants.
Utilities earning
Additional CashBack along with the card Reward Points on Utility Bills, Mobile Recharges & more.
Reward exclusions
Online Skill - Based gaming transactions will not earn Reward Points /CashPoints.
Reward caps
Reward Points earned on Utility transactions will be capped at 2000 Reward Points per calendar month.
Cashback redemption
Redeem Reward Points as CashBack to pay off outstanding balances.
Catalogue redemption
Redeem reward points for exciting gifts and air miles.
Hotel redemption
Up to a maximum of 50% of booking value
Point expiry
Valid only for 2 years
Also included
Fuel surcharge waiver
Fuel Surcharge waiver up to ₹250 per month
Surcharge on railway tickets
1%
Charges
Forex markup
3.5% on foreign currency transactions.3.50% of transaction value
Dynamic currency conversion markup
1.75%
Cash advance fee
2.5% fee with a minimum of ₹500 on all cash withdrawals
Cash advance interest
All cash advances also carry a finance charge equal to charges on revolving credit.
Cash withdrawal limit
40% of the Credit Limit.
Interest on unpaid balance
3.75% per month (i.e., 45% per annum)
Interest-free period
Up to 50 days of interest free credit from the date of purchase
Late payment fee
Nil to ₹1,300 (excl. GST), by bill amount
Over-limit fee
2.5% of the overlimit amount subject to minimum of ₹550
Payment return or dishonour fee
2% of the payment amount (minimum ₹450)
Statement or duplicate statement fee
₹10 per duplicate physical statement.
Card replacement fee
₹199 for non-metal card variants.
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 will be levied on Education transactions done through third party applications.
Fee on online skill-based gaming spends
1% fee will be levied on Online Skill based gaming spends exceeding ₹10,000 in a calendar month.
Reward redemption fee
₹99 + GST per catalogue redemption request
Wallet load charge
1% fee will be levied on Wallet loading spends exceeding ₹10,000 in a calendar month.
Fuel transaction fee
1% fee will be levied on Fuel transaction exceeding — ₹15,000 for consumer cards.
Rent transaction fee
1% fee on transaction amount will be levied on rental transactions.
Minimum amount due
Total GST + EMI amount + 100% of Fees/Charges + 5% of (Finance Charge + Retail Spends + Cash Advance); if that 5% is less than the Finance Charge, 100% of Finance Charges + 5% of (Retail Spends + Cash Advance); plus Overlimit Amount (if any)
In the terms, not the brochure (1)
Whether carrying a balance ends the interest-free period
This period will be free of interest only if all previous dues are paid in full and there is no unpaid balance carried over from previous months.