HDFC Platinum Times Credit Card Review

HDFC bank is one of the leading credit card providers in India their credit cards are best known for their offered 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 . Now let’s discuss the benefits in detail and see if it is worth the Rs. 1000 annual fee or not. 

 Hdfc times platinum credit card eligibility criteria:

  • 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. 
  • A long relationship with the bank.
  • Excellent Credit Score (770 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 just by clicking here. 

Documents required to apply for hdfc 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 of the last year
      • Proof of business

Visit our FAQ page to know how to activate hdfc credit card for the first time. 

Hdfc credit card fees:

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

Hdfc platinum credit card benefits:

  • Welcome benefit:

With the hdfc credit card activation , you will be welcomed with a big welcome 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.  

  • Reward Points:

This hdfc times card offers some exclusive reward points. With every Rs. 150 spent with this card, you will get 3 hdfc credit card reward points. This card also offers 10 hdfc bank credit card reward points for the same on dining spend. 

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 catalogue . You can also click here for various options for the redemption of hdfc bank credit card points . You can redeem hdfc credit card reward points within 2 years from the date of their accumulation. 

  • Hdfc credit card dining offers:

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 partners restaurants.  Click here to find the best available offers in your city. 

  • Hdfc credit card movie offer:

If you are a movie lover then this offer is just for you. You will get up to a 25% discount on the movie tickets booked on BookMyShow. 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. 

  • Hdfc credit card shopping offers:

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

  • Hdfc credit card fuel surcharge waiver:

If you purchase fuel using this hdfc times card , you will get a 1% discount on fuel surcharge on hdfc credit card . This 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

  • 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. 

If you don’t want to pay hdfc credit card bill online , then click here to know how to pay hdfc credit card bill offline. You use the hdfc credit card payment ifsc code for transferring from other bank account. 

  • 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. Visit our FAQ page to know how to convert emi in hdfc credit card online from your hdfc credit card android application . Click here to calculate the applicable hdfc credit card interest rate for emi .

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

  • 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. 

Visit our FAQ page to know how to block hdfc credit card from your online banking account. 

  • Hdfc credit card auto bill pay facility:

If you register your card with the HDFC credit card SmartPay service, then all your utility bills will be paid within the due date. You can control the SmartPay service from your hdfc bank credit card internet banking account. 

  • 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. This feature is helpful in preventing loss and misplacement of cards.  For security reasons, the maximum contactless transaction amount is limited to Rs. 5000. If you can’t use your card for an online transaction then click here to know how to activate hdfc credit card online transaction. 

Hdfc credit card charges:

The hdfc credit card charges details are given below.

Particulars  Payable amount
hdfc credit card money withdrawal charges  . 2.5% against the withdrawn amount. (Max Rs. 500).
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.

Hdfc bank credit card customer service contact details:

  • Hdfc credit card customer care toll free no: 1800-266-4332 (Toll-free) or 022-616-6161
  • Hdfc customer care email id for credit card: [email protected] 

100xGain Ratings: 


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 card lacks some benefits like cashback or hdfc credit card lounge access , which makes the regular fliers disappoint a bit. But it is not a deal-breaker, at an annual fee of Rs. 1000, it is a good credit card to have. And if you are looking for a credit card for your daily needs then the hdfc platinum times credit card can be a good option for you. 

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