HDFC Times platinum Credit Card
HDFC Bank
last updated: Oct 27, 2025
₹999
₹999
1.99%
6 visits/yr
Contents
A lifestyle-focused co-branded card offering high dining rewards, attractive entertainment discounts and complimentary Times benefits. Ideal for users who spend on dining, movies and online shopping. Low forex markup and milestone rewards add value for frequent travellers and diners.
Features of HDFC Times platinum Credit Card which makes it unique
Smart EMI
Instant EMI conversion at checkout
Flexible repayment
Faster than peers
Spend Analyzer
Track monthly expenses by category
Better budgeting
AI-based insights
Rewards Structure of HDFC Times platinum Credit Card
Dining
acceleratedWeekday dining at listed restaurants
Earn accelerated points on dining spends
Shopping
baseAll merchants
Standard earn rate on general spends
Milestones of HDFC Times platinum Credit Card
Quarterly Milestone
₹50,000 : ₹500 cashback
Annual Milestone
₹2,00,000 : Free flight ticket (terms apply)
Fees & Charges of HDFC Times platinum Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹999 |
| Annual Fee | ₹999 |
| Forex Markup Fee | 1.99% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Waived on ₹1,00,000 annual spend
Fee Explanation Standard bank rates apply for overdue amounts and cash advances. Refer to bank's fee schedule for full details.
Lounge Access Benefits with HDFC Times platinum Credit Card
domestic Lounges
goldVisits per year: 4
Guest access: No
Valid for primary cardholder only
international Lounges
platinumVisits per year: 2
Guest access: Yes
Through Priority Pass; terms and enrollment required
Insurance Coverage with HDFC Times platinum Credit Card
Travel Insurance
₹10,00,000Valid on international trips; subject to enrollment
Purchase Protection
₹50,000Within 90 days of purchase; T&Cs apply
Additional Features of HDFC Times platinum Credit Card
Contactless Payments
Tap and pay enabled
Add-on Cards
Up to 3 free add-on cards
Welcome Bonus with HDFC Times platinum Credit Card
Welcome Bonus: Earn 10,000 reward points
Bonus Conditions: Valid for new customers only. Points credited within 60 days after meeting spend criteria.
Application Process for HDFC Times platinum Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Available
Step-by-Step Process
Apply online via Finanjo portal
Upload KYC documents
Receive verification call
Card dispatched within 7 days
Required Documents for HDFC Times platinum Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
HDFC Times platinum Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for HDFC Times platinum 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 a valid PAN and Aadhaar card.
How Approval Is Decided
- Minimum income ₹30,000/month
- Indian resident
- Credit score above 700
Pros of HDFC Times platinum Credit Card
- Strong reward structure for dining
- Attractive entertainment discounts
- Complimentary Times benefits and milestone bonuses
Cons of HDFC Times platinum Credit Card
- Annual fee applies
- Limited high-value merchant offers outside entertainment and dining
Frequently Asked Questions about HDFC Times platinum Credit Card
Is there a joining fee?
Yes, the joining fee is ₹999. It may be waived as per the bank's promotional terms.
How do I get the welcome bonus?
Earn the welcome bonus after meeting the specified spend criteria within the first 90 days; points are credited per bank timelines.
What are the annual fee waiver conditions?
Annual fee can be waived on meeting the stated annual spend requirement. Check the bank's terms for exact thresholds.
Are movie discounts available?
Yes — cardholders can access movie discounts (BookMyShow) and entertainment offers subject to monthly/transaction caps and T&Cs.
Does this card offer a fuel surcharge waiver?
A limited fuel surcharge waiver may apply at selected pumps; refer to the bank's fee schedule for exclusions.
Which mobile wallets are supported?
This card supports Google Pay, Phone Pay and Paytm for mobile wallet transactions (wallet acceptance depends on merchant and bank integrations).
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