HDFC Bank Platinum Plus Credit Card Review

When it comes to a seamless credit card experience and some good benefits at a low cost, the hdfc platinum plus credit card is a very good hdfc credit card for beginners. This card is suitable for those who have a good credit score but do not have enough experience with a credit card

This hdfc credit card platinum variant offers some attractive benefits like reward points on every credit card transaction, lost card liability coverage, hdfc bank lifetime free add-on credit cards, and so on.

Who can apply for the hdfc platinum plus credit card?

  • Resident Type: Indian
  • HDFC bank credit card eligibility criteria for salaried person:
    • Age: 21 to 60 years.
    • Income: Above Rs.30,000 monthly (Approx)
  • HDFC platinum card eligibility criteria for self-employed person:
    • Age: 21 to 65 years. 
    • Income: Annual Income Tax Return should be greater than Rs. 3 lakh. (Approx)
  • An excellent credit score of 760+ is needed to apply for this hdfc platinum credit card

If you can fulfill the hdfc credit card requirements, then you can apply hdfc credit card online from the hdfc bank credit card online application portal. The hdfc new credit card apply online process is discussed on the hdfc credit card FAQ page

What documents are required to apply for the hdfc bank platinum credit 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 for the last year
      • Proof of business

Once your hdfc credit card application is submitted successfully, you can check status of hdfc credit card application from the HDFC credit card tracking page. The complete hdfc bank credit card application tracking process can be found on the 100xGain FAQ page.

What are the hdfc platinum credit card fees?

  • HDFC platinum plus credit card joining fee: The bank will let you know at the time of application. 
  • HDFC platinum plus credit card annual fee: The bank will let you know at the time of approval. 

What are the hdfc platinum plus credit card benefits?

  • Make every transaction rewarding:

You can earn 2 HDFC platinum rewards for each Rs.150 spent with this card. Now, you might be thinking, ‘how to redeem reward points of hdfc credit card platinum plus card?’ There are several options available, you can redeem hdfc credit card points online for flight/hotel booking, to get a product from the hdfc smartbuy or hdfc credit card reward points catalog, you can also redeem them in cash. 

  • Extra benefits on milestone spend:

On completing Rs.50,000 spent with your hdfc platinum chip credit card within an HDFC card credit cycle, you will get 50% extra rewards than the regular rate. 

  • Enjoy easy bill splitting:

Using the hdfc credit card smart emi option, you can convert your high-value credit card transactions into EMI with minimal hdfc credit card interest rates. You can set your desired tenure and apply for EMI from the android app for hdfc credit cardIf you are curious to know how to convert hdfc credit card bill into emi? then feel free to visit the HDFC credit card FAQ page.

  • Lost card liability coverage:

If your HDFC platimum card is lost or stolen, you just have to report the loss by calling the hdfc credit card customers care number. And you will no longer be liable for anything bad that may happen to your HDFC platinum visa card. 

  • Instant HDFC credit card payment option:

You are allowed to make hdfc credit card bill payement online from your hdfc mycard app or by using any credit card payment app like Cred, Paytm, Phone Pe, Google Pay, etc. 

Also, if you don’t want to pay hdfc bank credit card bill online, then you can make your payment of hdfc credit card through neft, cheque, or by visiting your nearby HDFC branch, more about which are discussed on our faq page.

  • Auto bill payment option:

With this platinum credit card hdfc bank features an automatic bill payment system named hdfc credit card smart pay. If you enable the Smart Pay options from your online banking hdfc credit card account, all your utility bills will be paid automatically and you would not need to remember their due dates. You can control the hdfc credit card auto debit option using the internet banking for hdfc credit card

  • Advanced security arrangements:

This hdfc credit card platinum plus variant comes with a pre-installed EMV chip. Previously all your sensitive hdfc credit card information used to be saved on the black magnetic strips. But these chips use a much-secured encryption method to store credit card info, which makes your platinum plus card nearly impossible to clone. 

What are the platinum hdfc credit card charges?


Chargeable amount

Cash advance fee on credit card 2.5% against the transaction amount, min Rs.500 (Check your available hdfc platinum credit card limit before making a withdrawal)
HDFC platinum card finance charges The hdfc credit card interest rate after due date will be 3.6% monthly or 43.2% annually
HDFC international credit card transaction charge 3.5% against the transaction amount
HDFC bank add on credit card fee Free for a lifetime

If you want to know, ‘What is the credit limit for HDFC Platinum card?’ then make sure to log in to your hdfc credit card net banking account, you can find all your credit card details there.

How to connect hdfc credit card customer care department?

  • Call the hdfc bank credit card contact number: 1800-266-4332 (Toll-Free) or 1800-202-6161(Toll-Free) / 022-6160-6161
  • Write to the hdfc bank credit card email id: 

If you don’t want to keep your old hdfc card, then you can close it very quickly. The hdfc credit card closure application process is discussed in detail on the 100xGain FAQ page

100xGain Ratings: 


Pros and cons of the platinum plus hdfc credit card:



  • You can earn reward points with every transaction you make using this HDFC platinum credit card.
  • You can also earn some extra hdfc credit card rewards on achieving milestone spending.
  • There are no dining or entertainment benefits on this hdfc platinum card.
  • You will not get any travel benefits from this hdfc credit card platinum plus variant.

Final Opinion:

As said before this hdfc visa platinum credit card is meant for first-time users who do not have experience using a credit card or want to improve their credit score. But if you want to earn savings, this hdfc visa platinum credit card is not for you. In terms of benefits, this hdfc credit card offers reward points and it is the only kind of benefit you can get from this HDFC platinum plus card. So, if you are looking for the best credit cards for beginners in India then I would recommend you to visit our best beginner’s credit card page

Alternative of the hdfc platinum card

  1. Best Price Save Smart Credit Card (Best for cashback and dining benefits)
  2. LIC Signature Credit Card (Best for reward and lounge benefits)
  3. LIC Titanium Credit Card (Best for reward points)

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