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 reward points, this card offers a fuel surcharge waiver, automatic bill payment facility, and special gifts on every teacher’s day. More details of the card are discussed below. 

HDFC Credit Card Eligibility Criteria:

  • Resident Type: Indian
  • For salaried person:
    • Age: The age of the applicant should be between 21 to 60 years. 
    • Income: The hdfc credit card minimum salary requirement is Rs. 25,000 monthly. 
  • 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 platinum credit card
  • An excellent credit score (above 760) is needed to apply for this card.

Once your credit card application is accepted, you will get a tracking id and a tracking link via SMS/Mail. You can use this id to track your hdfc credit card delivery status.

Required Documents:

  • 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

All of the new credit cards are delivered in an inactive state to enhance the security of your account during shipment. To start using the card you have to activate it manually from your hdfc bank credit card net banking account or from your nearby HDFC bank ATM. The hdfc credit card pin generation process is discussed on the 100xGain FAQ page


  • Joining Fee: Rs. 500 + GST
  • Annual Fee: Rs. 500 + GST


  • Accelerated rewards:

You will be rewarded for every transaction made with this card, for each Rs. 150 transaction, you will get 2 reward points. Also, on weekends you will get 3X rewards for the same amount of transactions. You can earn a maximum of 2400 points per year.

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. This offer is applicable at any fuel stations in India and on transactions between Rs. 400 and Rs. 5,000. You can earn a maximum waiver of Rs. 250 waiver in a credit 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 top 10 fuel card page

  • Special gifts on teachers days:

On every Teacher’s day (Sept 5th) you will be honored with 500 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 get a waiver on annual fees:

On spending Rs. 50,000 in a year, you can get a complete waiver on the next year’s annual fee. So just keep spending Rs. 50,000 per year and your card will be free from any renewal fees. 

You can make your hdfc credit card payment through net banking or by using any credit card payment app. But if you want to pay your credit card bill offline, then you can make hdfc credit card payment by cheque , NEFT, ATM, or by visiting your nearby HDFC branch. If you need the hdfc credit card ifsc code then you can find it here

  • Automatic bill payment facility:

HDFC Bank features an automatic bill payment system called SmartPay, if you enable this option from your hdfc bank netbanking credit card account, all your monthly utility bills will be paid automatically within their due dates. 

  • Lifetime free add on cards:

HDFC Bank lets you add 3 of your family members (age 18+) with your card as add-on members so that they can also have the facilities of having a credit card. 

You can apply for an add-on card by visiting your nearby HDFC branch. The complete application process is available on the 100xGain FAQ page. You can also download the add-on card application form from the HDFC form center

  • Security of the advanced EMV chip:

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. This chip makes your card much more secure than it was before with the black magnetic strips. 

But fraudulent transactions can happen anytime, and if you notice something unusual with your hdfc personal credit card account, you should immediately inform the problem 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


  • Cash Withdrawal Charge: For cash withdrawal by credit card you will be charged 2.5% against the transaction amount. 
  • Finance Charges: 3.6% monthly or 43.2% annually (Applicable if the hdfc credit card outstanding amount is not cleared within time)  
  • Foreign currency conversion charge: 3.5% against the transaction amount. 
  • Add-on card fee: Free for a lifetime. 

HDFC Bank Credit Card Call Center Contact Details:

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. But I would recommend you to stick to your old HDFC credit card because there is a rumor that HDFC is going to come back with more exciting benefits once the hdfc credit card restructuring process is complete. 

100xGain Ratings: 


Final Opinion:

As said before, it is an entry-level credit card, and just like other entry-level cards, it does not offer exciting benefits and features like lounge access, travel benefits, golf access, etc. But you can earn a decent amount of reward points, fuel surcharge waiver, special gifts on every teachers’ day, and some other hdfc credit card facilities , just enough to justify the Rs. 500 annual fee.

So, if you are looking for an entry-level credit card then this card will be one of the best hdfc bank credit card options for you. 

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