HDFC Bank Platinum Times 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 currently are not accepting new applications for Times Platinum Credit Card”
Open alternatives
First-year fee
₹1,000 + GST
Annual fee
₹1,000 + GST
What it gives back
3 Reward Points per ₹150 · everyday spends
Fees
Joining feeRenewal fee
₹1,000 + GST
Fee waiver rule
Fee waived if you spend ₹2.5 lakh.
Add-on card fee
₹0Lifetime Free
Rewards
Reward rate
3 Reward Points per ₹150 · everyday spends3 Reward Points for every ₹150 spent on your card.
EMI spend earning
EasyEMI and e-wallet loading transactions will not accumulate Reward Points.
Fuel earning
Rewards Points will not be accrued for fuel transactions.
Government spend earning
Government related transactions will not earn Reward Points /CashPoints.
Insurance spend earning
Reward Points accrued for Insurance transactions will have a maximum cap of 2,000 per day
Online earning
Up to 5% CashBack on shopping via SmartBuy
Rent earning
Rent payments will not earn Reward Points /CashPoints.
Reward earning on dining spends
Earn 10 Reward Points on every ₹150 spent on dining spends on weekdays.
Travel earning
Up to 10% CashBack on flight and hotel bookings, gift vouchers and more via SmartBuy
Utilities earning
Up to 5% CashBack on utility bills via SmartPay
Reward exclusions
Education payments made via CRED, Cheq, MobiKwik, etc. will not earn Reward Points.
Reward caps
Rewards on grocery transactions will be capped at 1,000 per month.
Hotel redemption
Up to a maximum of 50% of booking value
Point expiry
Reward Points will remain valid for 2 years from the date of earning.
Card benefits
Dining programme
Discount of ₹1,500 and 6 months free EazyDiner membership.
Movie or entertainment ticket benefit
50% off on movie tickets via BookMyShow.
Movies and entertainment
With Times Prime annual membership; benefit from Gaana Plus; SonyLIV; TOI plus; Chaayos; Uber; Myntra and more.
Retention or continued-access criteria
The Bank retains the authority to revoke the card if it remains inactive, without any transactions, for six consecutive months.
Also included
Fuel surcharge waiver
1% fuel surcharge waiver on ₹400-₹5,000 transactions, max ₹500 cashback per cycle.
Surcharge on railway tickets
1%
Lost card liability
Zero liability on fraudulent Credit Card transactions reported immediately to HDFC’s 24/7 helpline.
Balance transfer terms
1% of BT amount or ₹250, whichever is higher.
Purchase to EMI conversion
Option to convert big spends into EMI after purchase.
Charges
Forex markup
3.5% on foreign currency transactions.3.50% of transaction value
Dynamic currency conversion markup
1.75%
Cash advance fee
A transaction fee of 2.5% (Excluding Infinia, Infinia Metal Edition) or ₹500 whichever is higher would be levied on the amount withdrawn
Cash advance interest
All cash advances also carry a finance charge equal to charges on revolving credit.
Cash withdrawal limit
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 overlimit amount, subject to a minimum of ₹550
Payment return or dishonour fee
2% of payment amount, subject to minimum of ₹450
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 (reissue of lost, stolen or damaged card)
Cash payment / cash deposit fee
₹100 for card payments made by depositing in HDFC Bank branches or ATMs.
Reward redemption fee
₹99 + GST per catalogue redemption request
Wallet load charge
1% fee on wallet loading spends exceeding ₹10,000 in a calendar month.
Fuel transaction fee
1% fee on fuel transactions exceeding ₹15,000 for consumer cards; capped at ₹4,999 per transaction.
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)
Eligibility
Age the primary cardholder must be
Salaried 21 to 60 years; self-employed 21 to 65 years.
Income, salaried
Net monthly income ₹35,000 and above.
Income, self-employed
Annual income ₹6 lakh and above.
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.