HDFC Platinum Edge Credit Card
HDFC Bank
last updated: Jan 12, 2026
₹500
₹0
1.99%
No lounge access
Contents
A practical cashback-style rewards card from HDFC Bank focused on everyday spends. It offers reward points on all purchases, boosted dining rewards and a fuel surcharge waiver. Ideal for users who want simple rewards and potential annual fee waiver on moderate annual spends.
Features of HDFC Platinum Edge Credit Card which makes it unique
Smart EMI
Instant EMI conversion at checkout where SmartEMI is supported.
Flexible repayment options
Competitive EMI offering among similar HDFC cards
Rewards Structure of HDFC Platinum Edge Credit Card
Dining
acceleratedPremium restaurants (partnered outlets)
Get boosted points at participating premium restaurants.
Retail
baseAll retail transactions
Earn base MyRewards points on eligible spends.
Fuel
baseFuel transactions
Fuel surcharge waiver subject to terms.
Milestones of HDFC Platinum Edge Credit Card
Annual Spend Benefit
₹50,000 : Annual fee waiver
Fees & Charges of HDFC Platinum Edge Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | ₹500 |
| Forex Markup Fee | 1.99% |
| Cash Advance Fee | 0 |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 0% |
Renewal Conditions:Annual fee waived on ₹50,000 annual spend.
Fee Explanation Interest and finance charges apply as per HDFC Bank's fees & charges schedule. Fees, charges and waivers are subject to bank terms.
Additional Features of HDFC Platinum Edge Credit Card
Contactless Payments
Tap-and-pay enabled with EMV chip; zero liability for unauthorised use after reporting.
Smart EMI
Convert purchases to EMI (SmartEMI) at checkout where available.
Welcome Bonus with HDFC Platinum Edge Credit Card
Welcome Bonus: 500 bonus reward points
Bonus Conditions: Bonus points apply to the cardholder's first international transaction; terms and eligibility as per HDFC Bank MyRewards T&C.
Application Process for HDFC Platinum Edge Credit Card
Processing Time
5-15 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via the bank portal or Finanjo
Upload KYC and income documents
Receive verification call
Card dispatched within 7–15 business days on approval
Required Documents for HDFC Platinum Edge Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
HDFC Platinum Edge Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally where Visa is accepted
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for HDFC Platinum Edge Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹30,000
Minimum annual income
Self-Employed Applicants
₹40,000
Minimum annual income
Who Can Apply
Important Conditions
- Customer must have valid PAN and proof of income where applicable; subject to HDFC Bank verification.
How Approval Is Decided
- Minimum income ₹30,000/month (varies by applicant profile)
- Indian resident
- Credit score generally above 700
Pros of HDFC Platinum Edge Credit Card
- Straightforward rewards on everyday spends
- Dining boost at premium restaurants
- Fuel surcharge waiver for regular drivers
Cons of HDFC Platinum Edge Credit Card
- Limited premium travel perks
- Modest base earn rate compared with premium cards
Frequently Asked Questions about HDFC Platinum Edge Credit Card
Is there a joining fee?
No joining fee is charged. Annual fee may apply as per card T&C.
How can I get the annual fee waived?
Spend ₹50,000 in a year to have the annual fee waived.
What is the reward earning rate?
Earn base MyRewards points at 2 points for every ₹150 of eligible retail spend; dining partners get 50% extra points.
Is the fuel surcharge waived?
Yes — fuel surcharge waiver up to ₹250 per billing cycle subject to the bank's terms.
How do I redeem reward points?
Redeem points via HDFC Bank's MyRewards catalogue for statement credit, vouchers, airmiles or merchandise; minimum redemption thresholds apply.
What documents are required to apply?
Valid PAN and proof of identity; address proof and income proof where applicable (payslipITR).
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