HDFC Bank Platinum Plus Credit Card

Add-on card fee

Up to 3 free Add-on Cards for your family

Government spend earning

Government related transactions will not earn Reward Points /CashPoints.

Rent earning

Rent payments will not earn Reward Points /CashPoints.

Utilities earning

Additional CashBack along with the card Reward Points on Utility Bills, Mobile Recharges and 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.

Hotel redemption

Up to a maximum of 50% of booking value

Point expiry

Valid only for 2 years

Milestone benefits

On crossing spends of ₹50,000 every month, get 50% more Reward Points.

Surcharge on railway tickets

1%

Lost card liability

Zero liability on lost cards.

Forex markup

3.5% on foreign currency transactions.3.5% cross currency mark-up

Dynamic currency conversion markup

1.75%

Cash advance fee

2.5% fee with a minimum of ₹500 will be applicable 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)