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 not an exception. Offering powerful rewards on every transaction, exclusive discount on dining expenses, and attractive fuel surcharge waivers, this card brings so much value with it that this hdfc platinum card can easily offset the Rs.1000 annual fee. More about the hdfc credit card details are discussed below.

What is the required eligibility for credit card in hdfc bank?

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

  • Resident Type: Indian
  • HDFC credit card eligibility criteria 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. 
  • HDFC bank credit card eligibility criteria 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 get a higher hdfc platinum credit card limit.

Once your credit card application is submitted successfully, you will get a unique application id. You can use that to track your hdfc credit card online application status.

Required documents to apply for this 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. These cards can be activated very easily from your nearby HDFC bank ATM or from your hdfc bank credit card net banking account by generating a new PIN. If you are interested then click here to know how to generate pin for hdfc platinum edge credit card

What are the hdfc credit card annual charges?

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

What are the hdfc platinum credit card benefits?

  • Make every transaction rewarding:

This platinum edge hdfc credit card is best for offering reward points. For each Rs.150 spent with this card, you will get 2 reward points. 

Now, you might be thinking; how to use hdfc platinum edge credit card reward points? You can use these points to get a product from the hdfc platinum edge credit card reward points redemption catalog, or you can redeem them into cash. 

The hdfc bank credit card redemption form can be found in the hdfc credit card form center. 100 hdfc credit card reward points value in rupees is equal to Rs.10.

  • Make dining more delightful:

If you use this card to pay your dining bills, you will get up to 50% extra hdfc credit card 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 it can be improved. If you are interested to know how to increase hdfc credit card limit, then feel free to visit our credit card FAQ page. You can also download the hdfc credit card limit enhancement form from the form center

  • Enjoy freedom from fuel surcharges:

This hdfc platinum edge credit card offers up to Rs. 250 monthly waiver on fuel surcharges. This offer is applicable to most of the fuel stations in India. You can save a maximum of Rs. 1800 per year. 

  • Secret tricks to get hdfc credit card lifetime free:

On spending 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 hdfc platinum 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 to go to the hdfc credit card login page. 

  • Instant bill payment options:

There are several options available 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 like Cred, Google pay, Paytm, Phone Pe, etc. Alternatively, you can pay hdfc credit card bill offline via cheque or by visiting your nearby hdfc credit card office.

  • Cutting edge security:

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 nearly impossible to clone. 

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

What are the hdfc platinum edge credit card charges?


Payable amount

Credit card atm 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
HDFC platinum edge credit card international transaction charge 3.5% against the hdfc credit card payment amount.
HDFC platinum card add-on card fee Free for a lifetime

How to contact the hdfc credit card customer care department?

  • Call the hdfc credit card helpline 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 which you can find in the hdfc credit card form center.

100xGain Ratings: 


Pros and cons of the hdfc bank platinum edge credit card:



  • The rate of earning hdfc platinum edge credit card reward points is very good.
  • You can also earn extra hdfc credit card edge rewards on dining expenses.
  • You can also earn a good monthly waiver on fuel surcharges.
  • The hdfc platinum edge credit card fees seem a bit high.
  • There are no entertainment or travel benefits on this card.

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 hdfc reward points on dining spends, fuel surcharge waiver, etc. In fact, if you want a seamless credit card experience, then it will be the best hdfc credit card option for you.

But if you want to explore some more options, then you should visit our top 10 credit card pages to find out the best credit cards for first-time users. You can also compare the alternative card options given below.

Alternative cards of the hdfc platinum credit card: 

  1. HDFC freedom credit card (Best for reward points and dining benefits) 
  2. HDFC Titanium Edge Credit Card (Best for reward points, dining, and fuel surcharge waiver) 
  3. Best Price Save Smart Credit Card (Best for cashback and dining benefits)
  4. HDFC titanium times credit card (Best for reward points, movie, and shopping benefits)

Also, if you are interested in business credit cards, then you can take a look at the hdfc business moneyback credit card.

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