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HDFC Bank Times Card Credit Platinum

Product Details
Credit Card Name : 

HDFC Bank Times Card Credit Platinum

Bank Name :

HDFC Bank

Type :

Rewards Credit Card

Interest Rate : 

3.6% per month i.e. 43.2% annually

Eligibility :

For Salaried Indian national.
Age: 21 years to 60 years
Net monthly income: Rs 35,000 & above

For Self Employed Indian national
Age: 21 years to 65 years
Annual Income should be Rs 6,00,000 & above

HDFC Bank Times Card Credit Platinum
Pros
  • Users will be eligible for the Times Prime membership if they make 1 transaction in a calendar quarter.

  • Customers get 50 % discount on Movies tickets booked via Book My show 

  • Customers can get 15% of their bill when they use their HDFC Bank Times Card Credit Platinum via PayEazy on Eazydiner.

  • Customers also get up to 20% off on online and offline - shopping, wellness and hotel stay 

  • Welcome Benefit: Welcome vouchers worth 5000 across shopping, apparel, dining, and many more categories.

  • Users can also avail Extra discount of Rs1500* - Up to a maximum of 15% of their dining bill. 

  • Customers can earn 3 Reward Points on every Rs 150 retail spent and Up to 5% Cashback on Utility Bills/Shopping,

Cons

Lower reward points on non-dining transactions:

  • While the card offers excellent rewards on dining, the reward rate for other categories is average compared to other similar cards.

Limited entertainment benefits:

  • The maximum discount on movie tickets is capped at Rs. 200 per month, which might not be sufficient for frequent moviegoers.

  • The dining discount applies only to partner restaurants, which might not have the widest range of options.

  • Users will be eligible for the Times prime membership if he makes 1 transaction in a calender quarter

Pros & Cons
Welcome Benefits

Welcome Benefit: Welcome vouchers worth 5000* across shopping, apparel, dining and many more categories.

Rewards System
  • Reward Points Accrual Earn 3 Reward Points for every ₹150 spent on your card. i.e. you earn 1 Reward Point for every Rs. 50 spent.  

  • Earn 10 Reward Points* on every ₹150 spent on Dining spends on weekdays (1 RP= 0.30 paisa)   General Cashback Rate: 0.6% Weekday Dining 

  • Cashback Rate: 3%

International Forex Markup

Foreign Currency Transactions Fees: 2%.

Welcome Benefits and Reward System
Special Features

Complimentary Annual Times Prime Membership

Eligibility Criteria

For Salaried Indian national.
Age: 21 years to 60 years
Net monthly income: Rs 35,000 & above

For Self Employed Indian national
Age: 21 years to 65 years
Annual Income should be Rs 6,00,000 & above

Benefits
  • Complimentary Annual Times Prime Membership: You will get a complimentary annual Times Prime membership, which offers a host of benefits, such as access to Times Network content, exclusive discounts and offers, and early access to movie tickets. 

  • 50% off on movie tickets via BookMyShow: You will get 50% off on movie tickets booked through BookMyShow. The maximum discount per transaction is Rs. 600 and a maximum of 4 tickets can be purchased at this discounted rate per card per month. 

  • The maximum discount is 15% of your bill amount. Up to 20% off on online and offline - shopping, wellness and hotel stay: You will get up to 20% off on online and offline purchases made on shopping, wellness, and hotel stays. 

Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
  • Go to the HDFC Bank website and click on the "Credit Cards" tab. 

  • Click on the "Times Card Credit Platinum" link. Click on the "Apply Now" button. 

  • Fill out the application form and submit it. 

  • Here are the documents that you need to submit along with your application form:  Proof of identity (e.g., passport, driving license, PAN card) Proof of address (e.g., bank statement, utility bill) Proof of income (e.g., salary slip, tax return) 

  • The processing time for the application is usually 7-10 working days. 

  • Once your application is approved, you will receive the card in the mail within 15-20 working days.

Contact Details

1800 202 6161 or 1860 267 6161,
send an SMS to 730 8080 808, or
even use WhatsApp to send a message to 707 0022 222.

Account Opening and Procedure
HDFC Bank Times Card Credit Platinum

HDFC Bank Platinum credit card is well suited for the young generation providing them with great offers and benefits on dining and entertainment. If you are a beginner and looking for a credit card then this card might just work for you. The card charges a nominal annual fee of Rs 1,000 and you get a reward rate of Rs 0.10 on redemptions and you also get accelerated reward points on weekend dining. However, if you want a credit card with a similar fee, but more saving opportunities, you should check other HDFC Bank's credit cards.

Abhijeet Saxena

Abhijeet Saxena

Abhijeet Saxena

Nalsar University of Law

Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi

Ex - Khaitan & Co. Bengaluru,

Ex - National Stock Exchange, Mumbai,

Ex - Argus Partners, Mumbai

Product Review
Fees & Charges
  • Joining/Renewal Membership Fees ₹ 1000/- plus Applicable Taxes 

  • Cash advance fee: 2.5% or r ₹500 whichever is higher. 

  • Interest Rates: 3.60% p.m. 43.20% p.a. 

  • Late Payment Charges: Less than ₹100 = Nil ₹100 to ₹500 = ₹100/- ₹501 to ₹5,000 = ₹500/- ₹5,001 to ₹10,000 = ₹600/- ₹10,001 to ₹25,000 = ₹800/- ₹25,001 to ₹50,000 = ₹1100/- More than ₹50,000 = ₹1300/- 

  • Foreign Currency Transactions Fees: 2%.   

  • Reward Redemption Fees: Rs. 99/-

Fuel Surcharge

Fuel Surcharge: 1% Fuel Surcharge on fuel transactions. However. that is waived on fuel transactions.  ​​​​​​​(on minimum transaction of ₹400 & maximum transaction of ₹5,000. Maximum waiver of ₹500 per statement cycle).

Billing Cycle

30 Days

Fees & Charges
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