MyFinCards
Teachers Platinum Credit Card

Joining Fee

₹500

Annual Fee

Rs. 500 (Reversed on annual spends of Rs. 0.5 Lakhs)

HDFC Bank
Rewards
Best For: Teachers looking for reward points and fuel benefits

Teachers Platinum Credit Card

Rewards Structure

Base Reward Rate

1% on spends

Point Value

1 Point = ₹0.25

Earning Cap

₹2,400 /annually

Points Validity

12 Months

Pros

  • Special 500 Reward Points on Teacher's Day annually
  • Up to 3X Reward Points on eligible spends
  • Fuel surcharge waiver up to ₹250 per cycle
  • Up to 3 lifetime free Add-on Cards
  • Annual fee waiver on spending ₹50,000
  • ₹1,000 CashBack via PayZapp on 200+ brands

Cons

  • Annual Reward Points capped at 2,400
  • Card sourcing has been stopped; no new applications accepted
  • Interest rate of 3.6% per month (43.2% annually) on outstanding balance

Hidden Catches (Transparency Policy)

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

Annual Reward Points cap of 2,400 limits earning potential

Fuel surcharge waiver capped at ₹250 per statement cycle

Card is no longer available for new applicants

Key Benefits & Features

Up to 3 lifetime free Add-on Credit Cards.

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

EMV Chip Card technology for protection against unauthorised use.

Eligibility Criteria

Occupation

SALARIED
Official Terms & Conditions

About Teachers Platinum Credit Card

The HDFC Bank Teachers Platinum Credit Card is a premium credit card designed exclusively for educators, offering a range of rewards and privileges tailored to their unique needs. Although new applications are no longer being accepted, existing cardholders continue to enjoy its full suite of benefits. The card comes with an annual fee of ₹500 plus GST, which can be waived entirely upon achieving annual spends of ₹50,000 or more. Cardholders earn up to 3X Reward Points on every ₹150 spent, subject to an annual cap of 2,400 Reward Points, along with a special bonus of 500 Reward Points credited on Teacher's Day every year on 5th September. The card also provides a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, with a maximum waiver of ₹250 per billing cycle. Up to three lifetime-free add-on cards are available for family members. Through PayZapp, cardholders can earn additional CashBack on utility bills, mobile recharges, and shopping across 200 or more brands. The card also offers up to 50 interest-free credit days from the date of purchase and EMV Chip Card technology for enhanced security against unauthorised transactions, making it a practical and rewarding financial companion for teachers.

Expert Review

Our Verdict

Exclusive credit card for teachers with reward points, fuel waiver & special Teachers' Day bonus points.

Frequently Asked QuestionsAbout Teachers Platinum Credit Card

OTHERWhat is the Teachers Platinum Credit Card?
The HDFC Bank Teachers Platinum Credit Card is a premium credit card designed specifically for teachers, offering exclusive Platinum Card benefits, rewards, and privileges tailored to their profession. It is a perfect companion for educators looking for teacher discounts, educator perks, and classroom supplies rewards. Please note that sourcing of this card has been stopped and no new applications are currently being accepted.
APPLICATIONCan I apply for the Teachers Platinum Credit Card?
Currently, HDFC Bank is not accepting new applications for the Teachers Platinum Credit Card. Sourcing of this card has been officially stopped. However, existing cardholders will continue to enjoy all card benefits. If you are looking for a credit card, you can explore other available HDFC Bank credit card options that may suit your needs.
FEESIs the Teachers Platinum Credit Card free?
The Teachers Platinum Credit Card comes with an annual fee of ₹500 plus GST. However, if you spend ₹50,000 or more annually, your next year's annual fee of ₹500 will be waived. This annual fee waiver benefit has been applicable with effect from February 15, 2019.
BENEFITSWhat are the benefits of the Teachers Platinum Credit Card?
The Teachers Platinum Credit Card offers several benefits including reward points on every spend, 500 bonus Reward Points on Teacher's Day (5th September) every year, up to 3X Reward Points on eligible spends, a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 (max ₹250 per cycle), up to 3 lifetime free Add-on Cards, and ₹1,000 CashBack via PayZapp on shopping across 200+ brands.
USAGEHow do I use the Teachers Platinum Credit Card?
To use the HDFC Bank Teachers Platinum Credit Card, simply swipe it at any card-accepting terminal. You can also use it for online transactions. Earn rewards on educational spending and enjoy discounts on partner merchants. Pay bills, check statements, and manage your card conveniently online or through the HDFC Bank mobile app.
REWARDSHow many Reward Points can I earn with the Teachers Platinum Credit Card?
With the Teachers Platinum Credit Card, you can earn up to 3X Reward Points on spends of ₹150. Additionally, you receive 500 special Reward Points on Teacher's Day (5th September) every year. Please note that the annual Reward Points earned through the 3X multiplier are capped at 2,400 Reward Points per year.
FEESWhat is the interest rate on the Teachers Platinum Credit Card?
With effect from September 1, 2020, an interest rate of 3.6% per month (equivalent to 43.2% annually) is levied on any unpaid balance remaining beyond the bill's due date. Prior to that, the rate was 3.49% per month. You can also enjoy up to 50 days of interest-free credit from the date of purchase, subject to timely full payment.
BENEFITSWhat is the fuel surcharge waiver on the Teachers Platinum Credit Card?
The Teachers Platinum Credit Card offers a 1% fuel surcharge waiver on fuel transactions ranging from ₹400 to ₹5,000. The maximum waiver is capped at ₹250 per billing cycle. This benefit helps cardholders save on regular fuel expenses at petrol stations across India.
REWARDSHow can I earn CashBack using the Teachers Platinum Credit Card on PayZapp?
You can earn CashBack by linking your HDFC Bank Teachers Platinum Credit Card to the PayZapp app. Through PayZapp, you can earn additional CashBack and CashPoints on utility bill payments, mobile recharges, and more. You can also get ₹1,000 CashBack on in-app shopping across 200+ brands. PayZapp also enables secure payments without the hassle of OTPs using the 'Swipe to Pay' feature.
BENEFITSHow many Add-on Cards can I get with the Teachers Platinum Credit Card?
The Teachers Platinum Credit Card allows you to get up to 3 lifetime free Add-on Credit Cards. These Add-on Cards can be issued to your family members, allowing them to enjoy the card's benefits. Since these are lifetime free, there is no annual or joining fee charged for the Add-on Cards.
FEESWhat is the joining fee for the Teachers Platinum Credit Card?
The Teachers Platinum Credit Card has a joining fee of ₹500 plus applicable GST. The annual/renewal membership fee is also ₹500 plus applicable taxes per year. Note that the annual fee can be waived for the following year if you spend ₹50,000 or more in the current year, effective from February 15, 2019.
USAGEHow can I manage my Teachers Platinum Credit Card?
You can manage your Teachers Platinum Credit Card through the MyCards platform, which serves as a single unified interface for Credit Cards, Debit Cards, FASTag, and Consumer Durable Loans. MyCards allows you to track all your spends easily, view and redeem Reward Points at the push of a button, and control your card settings conveniently from one place.
USAGEIs the Teachers Platinum Credit Card safe to use for online transactions?
Yes, the Teachers Platinum Credit Card is equipped with EMV Chip Card technology, which protects you against unauthorised use when shopping anywhere — online or offline. The card also supports secure payments via PayZapp using the 'Swipe to Pay' feature, eliminating the need for OTPs during transactions.
OTHERDoes the Teachers Platinum Credit Card offer revolving credit?
Yes, the Teachers Platinum Credit Card offers revolving credit at a nominal interest rate. You can carry forward your outstanding balance beyond the due date, though interest will be charged at 3.6% per month (43.2% annually) effective September 1, 2020. Additionally, the card provides up to 50 days of interest-free credit from the date of purchase, subject to the merchant submitting the charge on time.
REWARDSWhat special reward does the Teachers Platinum Credit Card offer on Teacher's Day?
The Teachers Platinum Credit Card offers a special bonus of 500 Reward Points on Teacher's Day, which falls on 5th September every year. This is an exclusive benefit designed to celebrate and reward teachers on their special day. These bonus points are credited annually and are in addition to the regular reward points earned on everyday spends.

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