HDFC Teachers Platinum Credit Card Review

The hdfc teachers platinum credit card is a low-cost entry-level credit card, specifically curated for those who are involved in the teaching profession. Weekends are special for everyone and this card can make your weekends much more special by offering extra reward points. Apart from hdfc points, this card offers a fuel surcharge waiver, automatic bill payment facility, and special gifts on every teacher’s day. More details of the HDFC teacher’s card are discussed below. 

Who is eligible for platinum credit card?

  • Resident Type: Indian
  • HDFC credit card eligibility criteria for salaried person:
    • Age: 21 to 60 years. 
    • Income: The hdfc credit card minimum salary requirement is Rs. 25,000 monthly. 
  • HDFC bank credit card eligibility criteria for self-employed person:
    • Age: 21 to 65 years. 
    • Income: Annual Income Tax Return should be greater than Rs. 3 lakh. 
  • A score of 760+ is needed to apply for this platinum credit card.

You can apply for this card from the online hdfc credit card application portal. If you want to know how to apply for hdfc credit card? then make sure to take a look at our faq page.

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

As per the new rules, all hdfc new credit cards are delivered in an inactive state and to start using them you have to activate it manually from your hdfc bank credit card net banking account or from your nearby ATM. More about the hdfc credit card pin generation process is discussed on our hdfc card FAQ page

What are the HDFC teachers card fees?

  • HDFC platinum credit card joining fee: Rs.500 + GST
  • HDFC platinum credit card annual fee: Rs.500 + GST

What are the hdfc teachers credit card benefits?

  • Make every transaction rewarding:

The HDFC teachers card reward points are offered like this.

Category of transaction

Rate of earning hdfc rewards

Transactions made on weekends 3X hdfc reward points for every Rs.150 transaction
All other transactions 2 hdfc credit card points for every Rs.150 transaction

The redemption of hdfc credit card reward points can be done very easily. You can use your earned points to get a product from the hdfc credit card reward points redemption catalog. You can find the hdfc credit card point redemption form in the form center.

  • Freedom from fuel surcharge:

This hdfc credit card’ offers a 1% waiver on fuel surcharge across all fuel stations in India and on transactions between Rs. 400 and Rs. 5,000. You can earn a maximum fuel surcharge waiver of Rs.250 in a hdfc card statement cycle. 

This is not a proper hdfc fuel card and if you are looking for a fuel credit card, then you should take a look at the 100xGain best fuel card page

  • Special gifts on teachers’ day:

On every Teacher’s day (Sept 5th) this hdfc card offers 500 bonus reward points. You can check your total earned points from your hdfc credit card email statement. You can also download hdfc credit card statement from the hdfc app for credit card

  • Opportunity to make your hdfc credit card lifetime free:

On spending Rs.50,000 in a year, you can get a complete waiver on the next year’s hdfc credit card renewal fee. You can make your hdfc credit card payment through net banking or by using any credit card payment app like Cred, Paytm, Phone Pe, Google Pay, etc.

You can also make your hdfc credit card payment by cheque, NEFT, ATM, or by visiting your nearby HDFC branch, more about them is discussed on our hdfc card faq page.

  • Advanced Security arrangements:

This hdfc credit card platinum variant has a built-in microchip that is designed to store the information about hdfc credit card with a heavily secured encryption method, making your hdfc platinum card more secure than before.

But fraudulent transactions can happen anytime, and if you notice something unusual with your hdfc personal credit card account, you should immediately inform it by calling the hdfc bank credit card toll free number. You can also temporarily block the missing hdfc credit card number from your hdfc bank net banking credit card account

What are the hdfc credit card charges?


Chargeable amount

Charges for cash withdrawal by credit card 2.5% against the transaction amount (Check your available hdfc credit card limit before making a withdrawal)
HDFC platinum credit card finance charge 3.6% monthly or 43.2% annually (Applicable if the hdfc credit card outstanding amount is not cleared within time)
HDFC international credit card transaction charge 3.5% against the transaction amount
HDFC add-on credit card fee Free for a lifetime

How to contact the hdfc bank credit card call center?

  • Call the hdfc credit card help line no: 1800-266-4332 (Toll-Free) or 1800-202-6161(Toll-Free) / 022-6160-6161
  • Write to the hdfc credit card email id: 

Your old hdfc credit card account can be closed by submitting a hdfc credit card close application. You can download the hdfc credit card cancellation form from the hdfc credit card form center

100xGain Ratings: 


Pros and cons of the teachers platinum hdfc credit card:



  • You can earn HDFC platinum rewards with every transaction.
  • This hdfc teachers platinum credit card offers a handsome monthly waiver on fuel surcharges.
  • Also, this hdfc credit card features an annual fee waiver option.
  • You will not get any dining or entertainment benefits from this hdfc teachers credit card.

Final Opinion:

As said before, it is an entry-level credit card, and just like other entry-level cards, it does not offer exciting credit card features and benefits like lounge access, travel benefits, golf access, etc. But you can earn a decent amount of hdfc bank rewards, fuel surcharge waiver, special gifts on every teachers’ day, and some other hdfc credit card facilities, which is just enough to justify the Rs.500 annual fee. So, if you are looking for an entry-level credit card then this unique card for teachers will be the best hdfc bank credit card for you. 

Alternative of the hdfc platinum credit card: 

  1. Doctor’s regalia hdfc bank credit card (Best for reward and dining benefits)
  2. HDFC Doctors Superia Credit Card (Best for reward and dining benefits)

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