HDFC Teachers Platinum Credit Card
HDFC Bank
last updated: Oct 27, 2025
₹500
₹500
1.99%
6 visits/yr
Contents
A teacher-focused entry-level premium credit card with rewarding weekend and festival benefits. It provides accelerated reward points on select spends, fuel surcharge waiver and useful lifestyle privileges. Suited for educators seeking simple rewards and low annual fees.
Features of HDFC Teachers Platinum Credit Card which makes it unique
Smart EMI
Instant EMI conversion at checkout
Flexible repayment
Faster than typical peer EMI conversions
Spend Analyzer
Track monthly expenses by category
Better budgeting
AI-based insights for faster categorization
Rewards Structure of HDFC Teachers Platinum Credit Card
Dining
acceleratedRestaurants and dining merchants
Higher earn on dining and weekend dining
Shopping
baseAll merchants
Standard earn rate on non-bonus categories
Milestones of HDFC Teachers Platinum Credit Card
Quarterly Milestone
₹50,000 : ₹500 cashback
Annual Milestone
₹2,00,000 : Free flight ticket or equivalent partner reward subject to availability
Fees & Charges of HDFC Teachers Platinum Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹500 |
| Annual Fee | ₹500 |
| 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:Annual fee may be waived on specified annual spend threshold (refer to issuer T&Cs).
Fee Explanation Standard bank rates and charges apply for overdue balances and cash transactions as per the card's schedule of charges.
Lounge Access Benefits with HDFC Teachers Platinum Credit Card
domestic Lounges
goldVisits per year: 4
Guest access: No
Valid for primary cardholder only; subject to issuer's lounge network rules
international Lounges
platinumVisits per year: 2
Guest access: Yes
Access via Priority Pass where applicable; terms apply
Insurance Coverage with HDFC Teachers Platinum Credit Card
Travel Insurance
₹10,00,000Valid on international trips as per policy documents
Purchase Protection
₹50,000Covers purchases within 90 days subject to claim terms
Additional Features of HDFC Teachers Platinum Credit Card
Contactless Payments
Tap and pay enabled
Add-on Cards
Up to 3 free add-on cards
Add-on card issuance subject to issuer approval
Welcome Bonus with HDFC Teachers Platinum Credit Card
Welcome Bonus: 500 reward points
Bonus Conditions: Valid on Teacher's Day for eligible cardholders. Terms and conditions apply.
Application Process for HDFC Teachers 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 Teachers Platinum Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
HDFC Teachers 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 Teachers 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
- Applicant must have valid PAN and Aadhaar documents as per KYC requirements.
How Approval Is Decided
- Minimum income ₹30,000/month
- Indian resident
- Credit score above 700
Pros of HDFC Teachers Platinum Credit Card
- Attractive weekend and festival reward bonuses
- Low annual fee for teachers
- Fuel surcharge waiver and sensible travel protections
Cons of HDFC Teachers Platinum Credit Card
- Limited offers outside specified merchant categories
- Rewards catalogue restrictions may apply
Frequently Asked Questions about HDFC Teachers Platinum Credit Card
Is there a joining fee?
Yes. The joining fee is ₹500; first-year fee waiver options may be available on meeting introductory spend criteria.
What are the annual fee waiver conditions?
Annual fee may be waived if specific annual spend thresholds are met; check the issuer's latest T&Cs.
How can I earn the welcome bonus?
The card offers a welcome bonus (e.g., Teacher's Day bonus points). Eligibility and timing depend on issuer campaigns and terms.
What is the cashback and rewards earning pattern?
This card gives accelerated reward points on dining and weekend shopping and base points on general spends; refer to rewards catalogue for exact earn rules.
Which documents are required to apply?
PAN and Aadhaar are primary KYC documents. Income proof (payslips or Form 16) is required for salaried applicants.
Add Your Review
Reviews (0)
No reviews yet
Be the first one to review this card.
