HDFC Platinum Edge Credit Card Review

HDFC bank is well known for offering several good credit cards in various categories. The HDFC Bank’s credit cards are famous for their convenience and practicality. And the HDFC Platinum Edge Credit Card is one of them, like most HDFC Bank credit cards this card is best for offering reward points.

Apart from that, this hdfc platinum card comes with some attractive benefits on dining, fuel surcharge waiver, zero lost card liability, and lots of other unique HDFC credit card features. Now let’s analyze the hdfc credit card details and see if it can justify the Rs. 1000 annual fee or not.    

Required Eligibility

HDFC Bank has not clearly mentioned the eligibility criteria of this card. But as per our experience, we can say that it should be like this. 

  • Resident Type: Indian
  • For salaried person:
    • Age: The age of the applicant should be between 21 to 60 years. 
    • Income: The average income of the applicant should be Rs. 30,000 monthly. 
  • For self-employed person:
    • Age: The age of the applicant should be between 21 to 65 years. 
    • Income: Annual Income Tax Return should be greater than Rs. 3 lakh. 
  • A long relationship with the bank will help you to get this hdfc platinum credit card
  • An excellent credit score (above 760) is needed to apply for this hdfc platinum credit card

Once your credit card application is submitted successfully, you can track your hdfc credit card online application status using your application number. You can click here to go to the credit card hdfc tracking page. 

Required Documents For HDFC Platinum Card:

  • Photocopy of Address proof (any 1)
    • Last 6 months bank account Statement
    • Aadhar Card
    • Driving License
    • Passport
    • Utility bills
  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Two recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Salary Slip of last 3 months
      • ITR (Income Tax Return)
    • Self-employed person
      • Income tax return of the last year
      • Proof of business

As per the new rbi guidelines for credit card issuers, all new credit cards should be delivered in an inactive state, to keep your card secured during shipment. But you can activate your new card very easily from your nearby HDFC bank credit card atm or from your hdfc bank credit card net banking account. If you are interested then click here to know the hdfc new credit card pin generation process. 


  • HDFC platinum credit card joining fee: Rs. 1000 + GST
  • HDFC platinum credit card annual fee: Rs. 1000 + GST

There are several options to pay your hdfc credit card bill online. You can pay via hdfc credit card net banking account, PayZapp, or via any hdfc credit card payment app . Alternatively, you can pay hdfc credit card bill offline via cheque or by visiting your nearby hdfc credit card office . If you need the ifsc code for hdfc credit card payment then you can find it here.

HDFC Platinum Edge Credit Card Benefits

  • Exclusive reward points:

This card is best for offering reward points. For each Rs. 150 spend with this card, you will get 2 reward points. The process of redeeming hdfc credit card points is very simple. you can use these points to get a product from the hdfc bank credit card reward catalogue .

You can also redeem your rewards in cash. You will get Rs. 10 for 100 reward points. You can download the hdfc bank credit card redemption form from the hdfc credit card form center.

  • Premium dining experience:

If you use this card to pay your dining bills, you will get up to 50% extra reward points. This offer is applicable to most of the frontline restaurants in India. 

If you are applying for hdfc credit card for the first time, there is a good chance that you will get a lower hdfc credit card credit limit , but this limit can be increased. If you are interested to know how to increase hdfc credit card limit , then feel free to visit the HDFC credit card FAQ page. You can also download the hdfc credit card limit enhancement form from the form center

  • Freedom from fuel surcharge:

Use this card to purchase fuel and you will get up to Rs. 250 waiver in a credit cycle. This offer is applicable to most of the fuel satiations in India. You can save a maximum of Rs. 1800 per year.

  • Opportunity to make your hdfc credit card life time free:

If you can spend Rs. 50,000 in a year, you will get a complete waiver on your next year’s annual fee. So if you want to make your card lifetime free, you just have to keep spending Rs. 50,000 per year. 

As per new rbi credit card guidelines , online transactions on new credit cards are turned off, but you can turn on the hdfc bank credit card online payment option from your net banking account. Click here if you want to know the process. 

  • Lifetime free add on cards:

HDFC allows you to add your family members with your card as add-on members so that they can enjoy the benefits of having a credit card. You can also set a hdfc platinum credit card limit for your add-on members from your HDFC credit card mobile app

  • Ultrasecure card:

This hdfc credit card. comes with an advanced EMV chip. These chips use a very strong encryption method to store your hdfc credit card details , which makes your card more secure than before. 

But fraudulent transactions can happen anytime, and if you notice something suspicious in your credit card account, you should immediately inform it by calling the hdfc credit customer care no given below. You can also block the hdfc credit card account online from the hdfc credit card net banking account

HDFC Credit Card Charges:

Particulars  Payable amount
Cash Withdrawal Charge 2.5% against the transaction amount, min Rs. 500. Check your hdfc platinum edge credit card limit before making a withdrawal.
Finance Charges The hdfc platinum credit card interest rate is 3.6% monthly or 43.2% annually.
International transaction charge 3.5% against the hdfc credit card payment amount.
HDFC platinum card add-on card fee Free for a lifetime.

Customer Service Of HDFC Credit Card:

  • Call the hdfc credit card help line number: 1800-266-4332 (Toll-free) or 022-616-6161
  • Write to the email id for hdfc credit card customer service: 

If you don’t want to continue with your old HDFC credit card then you can just close hdfc credit card account by submitting the hdfc credit card closure form. You can download the form from the hdfc credit card form center.

100xGain Ratings:


Final Opinion:

After analyzing the benefits of the card I can say that hdfc platinum card can only be appropriate for first-time users since they need a basic credit card to make a soft start. This card offers reward points on every credit card transaction, extra rewards on dining spending, fuel surcharge waiver, etc.

In fact, if you want a seamless credit card experience, then it will the best hdfc credit card option for you. But if you want to explore some more options, then you should visit the top 10 credit card page to find out the best credit cards for first-time users. 


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