HDFC Platinum Times Credit Card Review

HDFC bank is one of the leading credit card providers in India and their credit cards are best known for their benefits and usefulness. And this is not an exception for the hdfc platinum times credit card. This card is designed to fulfill the needs of movie lovers. Apart from huge discounts on movie tickets, it offers exclusive deals on dining, reward points, fuel surcharge waiver, annual fee waiver, and lots of other useful hdfc credit card features. More about the hdfc times platinum credit card offers are discussed below.

How does the hdfc times platinum credit card eligibility work?

  • Resident Type: Indian
  • HDFC credit card eligibility for salaried person:
    • Age: 21 to 60 years. 
    • Income: The average monthly income should be greater than Rs. 35,000.
  • HDFC credit card eligibility for self-employed person:
    • Age: 21 to 65 years.
    • Income: Annual income should be greater than Rs. 6, 00,000. 
  • An excellent Credit Score (730 or more) is needed to apply for the hdfc platinum times credit card

Visit our FAQ page to know how to apply for hdfc credit card online/offline. You can also track the hdfc credit card application status just by clicking here. 

What documents are required to apply for an hdfc bank times 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 rules, all new hdfc cards are delivered in an inactive state. The users can activate those cards by generating a new credit card PIN. If you want to know how to activate hdfc credit card for the first time then feel free to take a look at our faq page.

What are the hdfc credit card fees?

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

What are the hdfc platinum credit card benefits?

  • Get started with a huge joining bonus:

With the hdfc credit card activation, you will be welcomed with a huge hdfc credit card gift voucher. You can choose your hdfc e gift voucher among various categories like Shopping, dining, apparel, and lots more. Click here to get the list of welcome gifts available at your location.  

  • Make your every transaction rewarding:

This hdfc times card offers some exclusive reward points on your everyday expenses.

Category of transaction

Rate of earning reward points 

Dining expenses 10 hdfc bank credit card reward points for every Rs.150 transaction
All other transactions 3 hdfc credit card reward points or every Rs.150 transaction

But you will not get any hdfc credit card rewards for wallet top-up, hdfc credit card emi conversion, Insurance premium payment, and fuel purchase.

You can use your earned reward points to get a product from the hdfc bank credit card rewards points catalog. You can redeem hdfc credit card reward points within 2 years from the date of their accumulation. 

  • Experience exclusive deals on dining expenses:

This hdfc times platinum credit card offers exclusive offers on dining. You will get up to a 20% discount on your dining bill, at some selected partner restaurants.  Click here to find the best available hdfc times card dining offers in your city. 

  • Attractive HDFC credit card offer on movies:

If you use this hdfc times credit card for booking a movie ticket from BookMyShow, you will get up to a 25% discount on the booking amount. You can have a maximum savings of Rs. 350 per transaction. You can get these bookmyshow offers on hdfc credit card 4 times a month. 

  • Enjoy shopping benefits like never before:

You will get a very wide range of offers on shopping. Click here to get the latest available hdfc bank shopping offers in your city.

  • Enjoy freedom from fuel surcharges:

If you purchase fuel using this hdfc times card, you will get a 1% discount on fuel surcharges. This hdfc credit card fuel surcharge offer is applicable at any fuel station in India. The transaction amount should be between Rs. 400 to Rs. 5000 and you can earn a maximum discount of Rs. 500 per hdfc bank credit card billing cycle

  • Experience exclusive milestone offers with hdfc credit card:

If you can spend Rs. 2, 50,000 within a year with this hdfc bank platinum credit card, then the hdfc credit card renewal fee will be waived off for the next year, and you will be able to use this hdfc credit card without annual fee for a year. 

  • Make repayments easier with the hdfc bank credit card emi facility:

With your hdfc platinum times credit card, you can convert your high-value purchases into EMI and pay them back in small monthly installments. 

You can visit our FAQ page to know how to convert emi in hdfc credit card online from your hdfc credit card android application.  

  • Complimentary lost card liability coverage:

On this platinum credit card hdfc bank offers zero lost card liability coverage on this card. That means if your card ever gets lost/stolen, all you have to do is to report the missing card by calling the hdfc credit card customer service number, and you will no longer be liable for anything bad that happens to your card. 

You can also block your lost hdfc credit card from your hdfc credit card online banking account, click here to go to the hdfc card login page. You can also visit our FAQ page to know how to block hdfc credit card temporarily. 

  • Enjoy the convenience of contactless payment facility:

This card is equipped with an advanced contactless credit card payment facility. It lets you make credit card payments with just a wave at any secure reader machine. You can control the contactless payment option from your hdfc credit card app.

If you can’t use your card for an online transaction then click here to know how to activate hdfc credit card online transaction. 

What are the hdfc credit card charges? 


Payable amount

HDFC credit card money withdrawal charges  2.5% against the withdrawn amount. (Max Rs. 500). Check your available hdfc platinum card withdrawal limit before making a withdrawal.
Finance charges on hdfc credit card  The hdfc bank credit card interest rate is 3.6% monthly or 43.2% annually.
HDFC credit card international usage charges 3.5% against the transaction amount.
HDFC add-on credit card charges Free for a lifetime.

This HDFC platinum card also offers up to 50 days of an interest-free period.

How to contact the hdfc bank credit card customer service department?

100xGain Ratings: 


Pros & cons of the times platinum credit card:



  • The rate of earning reward points on this platinum times hdfc credit card is very good.
  • It has some very attractive deals and movie dining and shopping.
  • You can earn some handsome waivers on fuel surcharges.
  • The hdfc times platinum credit card charges seem a bit high.
  • This hdfc bank platinum times credit card doesn’t offer any free movie tickets.

Final Opinion:

The hdfc platinum times credit card is a low-budget entertainment credit card. And like every other credit card it has some pros and cons too. Let’s discuss the pros first. 

If you are a movie lover then this card will be very helpful for you, it offers a big discount on movie tickets and dining. You will also get a 1% hdfc credit card fuel surcharge waiver, hdfc credit card rewards benefit, EMI facility, hdfc credit card annual fee waiver, etc which makes it beneficial for everyday uses. 

But this times card lacks some benefits like cashback or hdfc credit card lounge access, which makes the regular fliers disappoint a bit. So if you are looking for an alternative option, then make sure to take a look at the alternative card options given below.

Alternative of HDFC platinum times credit card: 

  1. Axis ace credit card (Best for cashback, lounge access, and dining benefits) 
  2. Intermiles icici bank sapphiro credit card (Best for reward points, lounge access, and movie benefits)
  3. IndusInd signature legend credit card (Best for reward points, lounge access, and movie benefits) 

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