HDFC Bank Platinum Times Credit Card
Rewards & Benefits
Welcome Benefits
Welcome Benefit: Welcome vouchers worth 5000 across shopping, apparel, dining and many more categories.
Milestone Benefits
None.
Cashback Rate
Users will earn 3 reward points for every ₹150 spent.
1 RP= 0.30 paisa.
General cashback rate: 0.6%.
10 reward points on every ₹150 spent on Dining spends on weekdays.
Weekday dining cashback rate: 2%.
Movie Benefits
None.
Dining Benefits
Weekday dining cashback rate: 2%.Users can also avail extra discount of Rs1500, up to a maximum of 15% of their dining bill through EazyDiner app/
Other Benefits
Users will be eligible for the Times Prime membership if they make 1 transaction in a calendar quarter.; Customers can get 15% of their bill when they use their HDFC Bank Times Card Credit Platinum via PayEazy on Eazydiner.
Customers will get up to 20% off on online and offline - shopping, wellness and hotel stay.
Lounge Access
None.
Rewards & Benefits
Welcome Benefits
Welcome Benefit: Welcome vouchers worth 5000 across shopping, apparel, dining and many more categories.
Milestone Benefits
None.
Cashback Rate
Users will earn 3 reward points for every ₹150 spent.
1 RP= 0.30 paisa.
General cashback rate: 0.6%.
10 reward points on every ₹150 spent on Dining spends on weekdays.
Weekday dining cashback rate: 2%.
Movie Benefits
None.
Dining Benefits
Weekday dining cashback rate: 2%.Users can also avail extra discount of Rs1500, up to a maximum of 15% of their dining bill through EazyDiner app/
Other Benefits
Users will be eligible for the Times Prime membership if they make 1 transaction in a calendar quarter.; Customers can get 15% of their bill when they use their HDFC Bank Times Card Credit Platinum via PayEazy on Eazydiner.
Customers will get up to 20% off on online and offline - shopping, wellness and hotel stay.
Lounge Access
None.
Fees & Charges
Joining Fee
INR 1000/- plus Applicable Taxes
Annual Fee
Nil
Cash Advance Fee
Cash advance fee: 2.5% or r ₹500 whichever is higher.
Interest rate
Interest Rates: 3.60% p.m. 43.20% p.a.
Late Payment Fee
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 Fee
Foreign Currency Transactions Fees: 2%.
Other Fees
Joining/Renewal Membership Fees ₹ 1000/- plus Applicable Taxes | Reward Redemption Fees: Rs. 99/-
Fees & Charges
Joining Fee
INR 1000/- plus Applicable Taxes
Annual Fee
Nil
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
Interest Rates: 3.60% p.m. 43.20% p.a.
Late Payment Fee
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 Fee
Foreign Currency Transactions Fees: 2%.
Other Fees
Joining/Renewal Membership Fees ₹ 1000/- plus Applicable Taxes | Reward Redemption Fees: Rs. 99/-
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
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 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.
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
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai