MyFinCards
Platinum Edge Credit Card

Joining Fee

Free

Annual Fee

Rs. 1500 (Reversed on annual spends of Rs. 0.5 Lakhs)

HDFC Bank
Rewards
Cashback
Lifestyle
Best For: Everyday spenders, Dining enthusiasts, Fuel spenders

Platinum Edge Credit Card

Rewards Structure

Base Reward Rate

2% on spends

Point Value

1 Point = ₹0.5

Earning Cap

₹5,000 /monthly

Points Validity

24 Months

Pros

  • Fuel surcharge waiver up to ₹250/month saves up to ₹1,800 annually
  • 50% more reward points at premium restaurants
  • Reward points redeemable as CashBack
  • Renewal fee waived on annual spends of ₹50,000 or more
  • Up to 50 days interest-free credit

Cons

  • Card sourcing (new applications) has been stopped
  • Base reward rate of 2 points per ₹150 is relatively modest
  • 3.49% monthly interest on revolving credit is high

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Cash withdrawal fee of 2.5% with minimum ₹500

Fuel waiver capped at ₹250 per month

Key Benefits & Features

Up to 50 days interest-free credit from date of purchase

Revolving credit available at nominal interest rate of 3.49% per month

Protection against fraudulent transactions if reported immediately to 24-hour Call Centre

EMV Chip Card technology for protection against unauthorised use

Additional CashBack along with Reward Points on Utility Bills, Mobile Recharges & more via PayZapp

Eligibility Criteria

Occupation

SALARIED

Notable Exclusions

No points on Fuel

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

About Platinum Edge Credit Card

The HDFC Bank Platinum Edge Credit Card is a feature-rich Visa credit card designed for everyday spenders who enjoy dining, fuel savings, and rewarding cashback benefits. Although new applications are no longer being accepted, existing cardholders continue to enjoy the full suite of benefits this card has to offer. At its core, the card rewards cardholders with 2 Reward Points for every ₹150 spent, with 50% additional reward points earned at premium restaurants. Points can be redeemed for exciting gifts, air miles, or converted into CashBack to offset outstanding balances. On the fuel front, cardholders benefit from a monthly surcharge waiver of up to ₹250, translating to savings of up to ₹1,800 annually. Additional CashBack and reward points can be earned on utility bills, mobile recharges, and shopping across 200+ brands through PayZapp. The card also offers up to 50 days of interest-free credit from the date of purchase and revolving credit at nominal interest rates. Security is ensured through EMV Chip Card technology, protecting against unauthorised transactions. Cardholders who spend ₹50,000 or more annually can have their renewal fee waived, making the Platinum Edge Credit Card a practical and rewarding choice for those who already hold it.

Expert Review

Our Verdict

Everyday rewards card with CashBack, dining perks & fuel waiver; no longer accepting new applications.

Frequently Asked QuestionsAbout Platinum Edge Credit Card

OTHERWhat is the Platinum Edge Credit Card?
The Platinum Edge Credit Card is a Credit Card offered by HDFC Bank filled with exciting rewards, CashBack offers, and dining benefits that make it perfect for everyday spending. It is a Visa-network card that earns reward points on every purchase, offers fuel surcharge waivers, and provides up to 50 days of interest-free credit. Please note that new applications for this card have been stopped; however, existing cardholders continue to enjoy all benefits.
USAGEWhere can I use the Platinum Edge Credit Card?
You can use your Platinum Edge Credit Card at millions of locations in India and around the world, wherever Visa/MasterCard cards are accepted. It can be used for in-store purchases by swiping at merchant terminals, for online transactions by entering your card details, and for contactless payments. The card is widely accepted across retail stores, restaurants, fuel stations, and e-commerce platforms globally.
USAGEHow do I use the Platinum Edge Credit Card?
Simply swipe your Platinum Edge Credit Card at any merchant terminal or enter your card details for online purchases. You can also use it for contactless payments at NFC-enabled terminals. The card is equipped with EMV Chip Card technology for enhanced security, protecting you against unauthorised use. For managing your card, you can track spends, view reward points, and redeem them through HDFC Bank's unified card management platform.
APPLICATIONCan I apply for a new Platinum Edge Credit Card?
No, HDFC Bank is currently not accepting new applications for the Platinum Edge Credit Card. Sourcing of this credit card has been stopped. However, existing customers of this card will continue to enjoy all the benefits without any disruption. If you are looking for a new credit card, HDFC Bank offers a wide range of other credit cards that may suit your needs. You can visit the HDFC Bank website to explore available options.
REWARDSHow many reward points do I earn with the Platinum Edge Credit Card?
You earn 2 Reward Points for every ₹150 spent using the Platinum Edge Credit Card. Additionally, you get 50% more reward points when dining at premium restaurants, making it an excellent card for food enthusiasts. These reward points can be redeemed for exciting gifts, air miles, or as CashBack to pay off your outstanding credit card balance, offering you flexibility in how you use your earned points.
REWARDSHow can I redeem my Platinum Edge Credit Card reward points?
Reward points earned on the Platinum Edge Credit Card can be redeemed in multiple ways. You can redeem them for exciting gifts from HDFC Bank's rewards catalogue, convert them into air miles, or redeem them as CashBack to pay off your outstanding credit card balance. You can view and redeem your reward points easily through HDFC Bank's card management platform at the push of a button, or via the MyCards portal.
BENEFITSWhat is the fuel surcharge waiver benefit on the Platinum Edge Credit Card?
The Platinum Edge Credit Card offers a fuel surcharge waiver of up to ₹250 per month. Assuming monthly fuel expenses of ₹6,000, this benefit can help you save up to ₹1,800 annually. This waiver applies to fuel transactions at petrol stations across India, making the card particularly useful for cardholders who regularly spend on fuel. The waiver is subject to the submission of the charge by the merchant.
FEESWhat are the fees and charges for the Platinum Edge Credit Card?
The Platinum Edge Credit Card has no joining fee and no annual fee mentioned as standard charges. However, if you carry forward an outstanding balance beyond the bill's due date, an interest rate of 3.49% per month will be charged on the outstanding amount. Additionally, a fee of 2.5% with a minimum of ₹500 is applicable on all cash withdrawals made using the card. Please refer to the official fees and charges section for complete details.
FEESHow can I get the renewal fee waived on my Platinum Edge Credit Card?
You can get the renewal fee waived on your HDFC Bank Platinum Edge Credit Card by achieving annual spends of ₹50,000 or more during the card membership year. This spend-based waiver ensures that active cardholders who use their card regularly for everyday purchases can avoid paying renewal fees. Make sure your total eligible transactions across the year meet or exceed the ₹50,000 threshold to qualify for the waiver.
BENEFITSWhat is the interest-free credit period on the Platinum Edge Credit Card?
The Platinum Edge Credit Card offers up to 50 days of interest-free credit from the date of purchase. This means that if you pay your outstanding balance in full before the due date, you will not be charged any interest on your purchases. However, if you choose to revolve your credit and carry forward any outstanding balance beyond the bill's due date, an interest rate of 3.49% per month will be applied to the remaining amount.
REWARDSDoes the Platinum Edge Credit Card offer any additional CashBack through PayZapp?
Yes, by linking your HDFC Bank Platinum Edge Credit Card on PayZapp, you can earn additional CashBack along with your regular card reward points on utility bill payments, mobile recharges, and more. PayZapp also offers ₹1,000 CashBack on shopping in-app across 200+ brands. You can also use the 'Swipe to Pay' feature on PayZapp to make secure payments without the hassle of OTPs, enhancing your shopping experience.
BENEFITSIs the Platinum Edge Credit Card secure for online and in-store transactions?
Yes, the Platinum Edge Credit Card is equipped with EMV Chip Card technology, which provides protection against unauthorised use at merchant terminals. For online transactions, the card follows standard security protocols. Additionally, you are protected against fraudulent transactions made on your credit card, provided you report them immediately to HDFC Bank's 24-hour Call Centre. Prompt reporting of any suspicious activity is essential to avail of this fraud protection benefit.
USAGEWhat card management features are available for Platinum Edge Credit Card holders?
Platinum Edge Credit Card holders have access to a unified card management platform that allows them to manage their Credit Cards, Debit Cards, FASTag, and Consumer Durable Loans in one place. The platform offers a simple interface to track all your spends, and you can view and redeem your reward points at the push of a button. This single interface makes it convenient for existing cardholders to stay on top of their finances and rewards.
OTHERWhat should I do if I notice a fraudulent transaction on my Platinum Edge Credit Card?
If you notice any fraudulent or unauthorised transaction on your Platinum Edge Credit Card, you should immediately report it to HDFC Bank's 24-hour Call Centre. The card provides protection against fraudulent transactions, but prompt reporting is crucial to avail of this benefit. The EMV Chip Card technology on the card also helps protect against unauthorised in-store use. Acting quickly minimises your liability and allows the bank to take immediate action to secure your account.
FEESWhat is the cash withdrawal fee on the Platinum Edge Credit Card?
If you withdraw cash using your Platinum Edge Credit Card at an ATM, a fee of 2.5% of the withdrawn amount will be charged, with a minimum fee of ₹500 per transaction. In addition to this cash advance fee, interest at the rate of 3.49% per month will also be charged on the withdrawn amount from the date of the transaction until it is fully repaid. It is advisable to use cash withdrawals on a credit card only in emergencies due to these high charges.

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