HDFC Platinum Plus Credit Card Review

HDFC Platinum Plus Credit Card Review

    This premium credit card also comes with additional perks like free accidental death insurance and purchase protection.

50 Days

Interest-free credit

Three add-on cards
FREE for family

2 Reward points
For spending Rs 150

Details

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Review by

Abhijeet Saxena

Abhijeet Saxena is qualified banking & finance lawyer registered with the bar council of Delhi.Graduate from NALSAR University of Law. Ex-NSE, ex Amarchand Mangaldas, ex Khaitan & Co.

Expert Review

Consider this card if you spend frequently and want perks associated with each rupee you spend. You’ll get zero liability on lost card if reported immediately.

However, you’ll have no lounge benefits & no benefits on fuel spending.

How to apply 

    Should be salaried employee, 21 to 60 years of age OR self-employed, 21 to 65 years of age.

    Visit https://www.hdfcbank.com/personal/pay/cards/credit-cards/platinum-plus website and click Apply online.
    Complete the application with information such as your full name and contact information, residential status, annual income and employment information, Aadhar number, date of birth and mother’s maiden name.
    Review your application and click Apply to submit.
    What credit score do I need?
    You’ll have a better chance of approval if you apply with a good to an excellent credit score of 700 or higher.
 

benifits

    For every Rs.150 that you spend you will get 2 Reward Points.

    With EMV Chip technology in your card, you can protect yourself from fraud.

    Get 50 days of interest-free credit

    Get zero liability on lost card if reported immediately.

    50% more Reward Points for incremental spends above Rs.50,000 in a statement cycle.
    Three add-on cards free for your family.

    Earn 1,200 and more reward points yearly.
 

Drawbacks

    No airport lounge access.

    With increasing fuel prices more benefit on fuel would have been great.​

    Annual fees & Joining fees is not disclosed.