HDFC Bank Teachers Platinum Credit Card
HDFC Bank
Annual / renewal fee
₹500 plus GST per annum.
VerifiedTeachers Platinum Credit Card product page14 Aug 2026, 10:07 PM ISTHDFC Bank
Earn rate
Confirm on the official page
Official source not yet captured
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
Teachers Platinum Credit Card by HDFC Bank. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
₹500 plus GST.
VerifiedMITC – Teachers Platinum Credit Card (Primary/Full version, v2.3 Nov 2024)14 Aug 2026, 10:07 PM ISTHDFC Bank
Annual / renewal fee
₹500 plus GST per annum.
VerifiedTeachers Platinum Credit Card product page14 Aug 2026, 10:07 PM ISTHDFC Bank
Fee waiver
Annual membership fee / renewal charges for the next year waived on minimum spend of ₹50,000 per annum (excludes Cash on Call, Balance Transfer, Cash Withdrawal).
VerifiedMITC – Teachers Platinum Credit Card (Primary/Full version, v2.3 Nov 2024)14 Aug 2026, 10:07 PM ISTHDFC Bank
Renewal fee
Renewal (annual membership) fee waived on minimum spend of ₹50,000 / Annum.
VerifiedTeachers Platinum Credit Card (fleet document) — governing document (side-door search)14 Aug 2026, 10:07 PM ISTHDFC Bank
Rewards
Redemption value
- Rewards Redemption Fee: ₹99 per redemption request.
- Cashback Redemption Charges: ₹50 per cashback redemption.
- Reward Points/CashPoints are valid for only 2 years from the date of accumulation.
- For flight and hotel bookings on SmartBuy, up to a maximum of 50% of booking value can be redeemed through reward points.
VerifiedMITC – Teachers Platinum Credit Card (Primary/Full version, v2.3 Nov 2024)14 Aug 2026, 10:07 PM ISTHDFC Bank
Reward cap
- Fair Usage Policy (as of Oct'23): maximum reward points that can be earned in a statement cycle for TEACHERS is 15,000.
- Rent payments earn no reward points.
- Grocery transactions capped at 1,000 reward points per month.
- Insurance transactions capped at 2,000 reward points per day.
- Utility and telecom transactions each capped at 2,000 reward points per calendar month (w.e.f 1st September 2024).
- Credit card purchases via UPI earn up to a maximum of 500 points in a calendar month.
VerifiedMITC – Teachers Platinum Credit Card (Primary/Full version, v2.3 Nov 2024)14 Aug 2026, 10:07 PM ISTHDFC Bank
Reward exclusion
- Rent payments earn no reward points (all cards, w.e.f 1 Jan 2023).
- EasyEMI and e-wallet loading transactions do not accrue reward points.
- Reward points reversed if a retail transaction is converted to SmartEMI.
- No reward points if card not used for more than 365 days.
- Reward points earned on insurance transactions capped at 2000 per day.
- Reward points on grocery capped at 1000 per month.
- Utility and telecom capped at 2000 per calendar month each (w.e.f 1 Sep 2024).
VerifiedMITC – Teachers Platinum Credit Card (Fees & Charges variant, v2.3 Nov 2024)14 Aug 2026, 10:07 PM 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
Milestone benefit
500 bonus reward points on Teacher's Day every year (threshold not stated on official source).
VerifiedTeachers Platinum Credit Card product page14 Aug 2026, 10:07 PM ISTHDFC Bank
Eligibility
Not published in the official documents on file — see the official T&C link below.
Charges & interest
Forex markup
- Foreign Currency Transactions: 3.50% of transaction value (currency conversion rate as on settlement date applicable).
- Dynamic Currency Conversion Markup Fee: 1% on all transactions carried out in Indian currency at an international location or at merchants located in India but registered overseas (w.e.f 1st January 2023).
VerifiedMITC – Teachers Platinum Credit Card (Primary/Full version, v2.3 Nov 2024)14 Aug 2026, 10:07 PM ISTHDFC Bank
Fuel surcharge waiver
- 1% fuel surcharge waiver, capped at ₹250 every billing cycle.
- Waiver for transactions between ₹400 and ₹5,000.
- Capped at 1% of eligible fuel transaction amounts.
- GST on fuel surcharge not reversed.
VerifiedMITC – Teachers Platinum Credit Card (Primary/Full version, v2.3 Nov 2024)14 Aug 2026, 10:07 PM ISTHDFC Bank
Interest-free period
- Interest free (grace) period could range from 20 to 50 days, subject to the scheme applicable on the specific Credit Card and submission of claims by the merchant.
- Not applicable if previous month's balance is not cleared in full or if cash has been availed from ATM.
VerifiedMITC – Teachers Platinum Credit Card (Primary/Full version, v2.3 Nov 2024)14 Aug 2026, 10:07 PM 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 Teachers Platinum Credit Card?
Officially traced: Rs. 500 plus GST per annum.
Teachers Platinum Credit Card product pageWhat is the joining fee on the Teachers Platinum Credit Card?
Officially traced: Rs. 500 plus GST.
MITC – Teachers Platinum Credit Card (Primary/Full version, v2.3 Nov 2024)Is the Teachers Platinum Credit Card annual fee ever waived?
Annual membership fee / renewal charges for the next year waived on minimum spend of Rs. 50,000 per annum (excludes Cash on Call, Balance Transfer, Cash Withdrawal).
MITC – Teachers Platinum Credit Card (Primary/Full version, v2.3 Nov 2024)What are the transfer ratios for Teachers Platinum Credit Card 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/credit-cards/teachers-platinum-credit-card.
VerifiedTeachers Platinum Credit Card product page14 Aug 2026, 10:07 PM 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.