info@logintoloans.com +91 8885545255

Logintoloans Assistant

Select your profession

Salaried Icon Salaried
Business Icon Business
CA CA
Doctor Doctor
NRI NRI
School School
College College
Student Student

Enter Pincode

Personal Details

Features of the HDFC Platinum Edge Credit Card

  • Reward Points Program: The HDFC Platinum Edge Credit Card allows cardholders to earn 2 reward points for every ₹150 spent on any transaction, making it a rewarding choice for regular purchases. Whether you're shopping for groceries, paying utility bills, or indulging in online retail, every swipe accumulates points that enhance the value of your spending.
  • Enhanced Rewards on Dining: out becomes more rewarding with this card, as it offers 50% more reward points at premium restaurants. For every ₹150 spent on dining, you earn 3 reward points instead of the standard 2, incentivizing frequent visits to high-end eateries. This feature is perfect for food enthusiasts who enjoy exploring premium dining experiences.
  • Flexible Reward Redemption Options: The accumulated reward points can be redeemed in multiple ways, adding flexibility to the card’s rewards program:
  • Cashback Against Outstanding Balance: Convert 100 reward points into ₹10 to offset your credit card bill, providing direct savings.
  • MyRewards Catalogue: Redeem points for exciting gifts, vouchers, or merchandise through HDFC Bank’s exclusive MyRewards catalogue, which includes a variety of lifestyle products.
Credit Card Promotion
    • Fuel Surcharge Waiver:
      Save on Fuel Transactions: The card offers a fuel surcharge waiver of up to ₹250 per billing cycle (subject to applicable GST) on transactions between ₹400 and ₹4,000. This feature can lead to annual savings of up to ₹1,800, assuming monthly fuel spending of ₹6,000.
      Seamless Fuel Purchases: The fuel surcharge waiver applies at all fuel stations across India, making it convenient for cardholders to save regardless of where they refuel. This benefit ensures that everyday commuting or long road trips are more cost-effective.
    • Cashback Benefits:
      Cashback on Everyday Spending: cards in the market, offering cashback on all everyday spends. By redeeming reward points as cashback, cardholders can directly reduce their outstanding card balance, enhancing affordability.
      Significant Savings Potential: Spending ₹5 lakh annually on the card can earn you a cashback of up to ₹2900 through accumulated reward points (100 points = ₹40 in cashback). This feature makes the card particularly appealing for those with moderate to high spending habits.
    • Fee Structure and Waivers:
      Zero Joining and Annual Fees: One of the standout features of the HDFC Platinum Edge Credit Card is its zero joining fee and zero annual fee, making it a cost-effective option for budget-conscious users. This eliminates the financial burden of upfront or recurring charges.
      Spend-Based Fee Reversals: While some sources mention an annual fee of ₹500, this can be waived by spending ₹50,000 in a year. Additionally, the first-year fee can be reversed by spending ₹10,000 within the first 90 days of card issuance, encouraging active usage.
    • Security Features:
      EMV Chip Technology: The card is equipped with EMV Chip technology, ensuring secure transactions both online and at physical merchants. This advanced security feature protects against unauthorized use and skimming, providing peace of mind for cardholders.
      Zero Liability on Lost Card: In case of a lost or stolen card, cardholders face zero liability for fraudulent transactions after reporting the loss to HDFC Bank. This feature ensures financial protection and minimizes stress in unfortunate situations.
      Contactless Payment Support: The card supports contactless payments, allowing quick and secure transactions at compatible merchant outlets. In India, contactless payments up to ₹5000 do not require a PIN, enhancing convenience for small transactions, while higher amounts require PIN verification for added security.
    • Interest-Free Credit and Revolving Credit:
      Up to 50 Days of Interest-Free Credit: Cardholders enjoy an interest-free credit period of up to 50 days from the date of purchase, provided the outstanding balance is paid in full by the due date. This feature allows flexibility in managing expenses without incurring interest charges.
      Revolving Credit Facility: The card offers a revolving credit facility at a nominal interest rate of 3.75% per month (45% annually), enabling cardholders to pay a portion of the outstanding balance and carry forward the rest. This is ideal for managing larger purchases over time, though disciplined repayment is advised to avoid high interest costs.
    • Additional Benefits:
    • Multiple Add-On Cards: Cardholders can avail up to three add-on cards for family members at no additional cost. Add-on cardholders must be at least 18 years old, and this feature allows families to share the card’s benefits while keeping spending consolidated under one account.
    • Easy Online Application and Bill Payment: Applying for the card is straightforward, with options to apply online via HDFC Bank’s website or at a branch. Required documents include identity proof (Aadhaar, PAN, passport), address proof (utility bill, passport), and income proof (salary slips, IT returns). Bill payments are equally convenient, with options like net banking, Bill Desk, NEFT, UPI, or Visa Card Pay, ensuring flexibility for all users.
    • Wide Acceptance: The HDFC Platinum Edge Credit Card is accepted globally, thanks to its affiliation with Visa/MasterCard networks. This ensures cardholders can use it for both domestic and international transactions, making it a reliable companion for travel and online shopping.
    • Eligibility and Accessibility:
    • Salaried Professionals: Must be aged 21 to 60 years with a minimum monthly income of ₹12,000 or an annual income of ₹6,00,000.
    • Self-Employed: Must be aged 21 to 65 years with a minimum annual income of ₹6,00,000.
    • CIBIL Score: A minimum credit score of 700 is required, ensuring the card is attainable for those with a solid credit history.
    • Simplified Application Process: Submit self-attested KYC (ID, address, income proof). HDFC representative schedules document collection. Card delivered in 15–20 days upon eligibility.
    • Limitations to Note:
    • No Welcome Offers: Unlike some premium cards, the HDFC Platinum Edge Credit Card does not offer welcome bonuses or introductory vouchers, focusing instead on consistent rewards and cashback.
    • No Lounge Access: This card does not provide complimentary airport lounge access, which may be a drawback for frequent travelers seeking luxury perks.
    • Reward Point Capping: While there’s no overall cap on reward points, points earned on insurance transactions are capped at 2,000 points per transaction, which may limit rewards for high-value insurance payments.
    • Why Choose HDFC Platinum Edge Credit Card? The HDFC Platinum Edge Credit Card is an excellent choice for individuals who prioritize cashback and rewards on everyday spending without the burden of high fees. Its zero joining and annual fees, combined with a robust rewards program, make it accessible and valuable for a wide audience. The fuel surcharge waiver and dining rewards cater to common expenses, while security features like EMV Chip technology and zero liability ensure peace of mind. Though it lacks premium perks like lounge access, its simplicity and cost-effectiveness make it a practical option for middle-income earners and frequent shoppers. This card’s features are tailored to maximize savings on routine purchases, making it a reliable financial tool for managing daily expenses efficiently. Whether you’re dining at a premium restaurant, refueling your vehicle, or shopping online, the HDFC Platinum Edge Credit Card ensures every transaction brings you closer to tangible rewards and savings.
    • How to Apply:
      Apply online on HDFC Bank's website or visit a branch. Upload KYC documents and await verification.
      Tips: Maintain a credit score of 700+, submit valid income and address proof, and ensure document accuracy.
Who We Are

Benefits of HDFC Platinum Edge Credit Card

  • Cashback and Reward Points:
    • Earn Reward Points on Every Spend: The HDFC Platinum Edge Credit Card offers 2 reward points for every ₹150 spent across retail, online, and utility bill categories—making everyday expenses more rewarding.
    • Enhanced Rewards on Dining: Earn 50% more reward points on dining spends at premium restaurants—3 points per ₹150 spent—ideal for food lovers who dine out often.
  • Flexible Redemption Options:
    • Redeem Points as Cashback: Convert your reward points into cashback directly against your card bill. 100 points = ₹10, helping you save more.
    • Multiple Redemption Choices: Use points through HDFC’s MyRewards catalogue to get flight tickets, merchandise, vouchers, and more—suited to your lifestyle needs.
      • Fuel Surcharge Waiver: Enjoy 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, capped at ₹250 per billing cycle (subject to GST). You can save up to ₹1,800 annually with regular fuel spends.
      • Reward Points on Fuel: Earn 2 reward points per ₹150 spent on fuel purchases. Redeem these as cashback to further cut fuel expenses.
      • Interest-Free Credit Period: Get up to 50 days of interest-free credit from the purchase date, offering flexibility for managing large or unexpected expenses.
      • Revolving Credit Facility: Pay a part of your total due and carry the balance at a nominal interest rate. Useful during tight financial months.
      • EMI Conversion: Convert large purchases like electronics or travel bookings into manageable EMIs after purchase, easing your monthly cash flow.
      • EMV Chip Security: The card features EMV chip technology for secure transactions, reducing the risk of fraud or skimming.
      • Zero Liability on Lost Card: Report a lost card immediately to enjoy zero liability on fraudulent transactions. HDFC offers quick card blocking and replacement.
      • Contactless Payments: Tap and pay for purchases up to ₹5,000 without a PIN at contactless-enabled POS terminals, ensuring fast checkouts.
      • No Joining Fee: The card has no joining fee, making it a budget-friendly option for first-time cardholders.
      • Annual Fee Waiver: Spend ₹50,000 or more in a year to waive the ₹500 annual fee (plus GST), effectively making the card free for regular users.
      • First-Year Fee Reversal: Spend ₹10,000 within the first 90 days to get your first-year fee reversed, encouraging early card usage.
      • Add-On Cards: Get up to 3 free add-on cards for family members (18+ years), sharing the same credit limit and benefits as the primary card.
      • Easy Application Process: Apply online or at a branch. Submit KYC documents, and track your application online or via customer care.
      • Smart Bill Payments: Use SmartPay, PayNow, Register&Pay, or Visa Bill Pay for convenient utility bill payments with possible cashback or rewards.
      • Eligibility: Salaried (21–60 years) or self-employed (21–65 years) individuals with a minimum income of ₹2.5 lakhs p.a. and CIBIL score of 700+ are eligible.
      • Wide Acceptance: Accepted at millions of merchants across India and abroad (Visa/Mastercard), both online and offline, for travel, shopping, and dining.
Check Best Gold Loan Offers

Steps to Apply for HDFC Platinum Edge Credit Card

  • 1. Online Application via HDFC Website:
    • Step 1: Visit HDFC Bank Website
      Go to www.hdfcbank.com and navigate to “Credit Cards” under “Personal Banking.”
    • Step 2: Select Platinum Edge Credit Card
      Browse the list of credit cards and select the Platinum Edge Credit Card. Review its features to ensure it suits your needs.
    • Step 3: Click ‘Apply Now’
      Click the “Apply Now” button to proceed to the application form.
    • Step 4: Fill Application Form
      Enter personal details such as full name, date of birth, PAN, contact info, income, and employment details.
    • Step 5: Upload KYC Documents
      Upload scanned copies of identity, address, and income proofs in PDF or JPEG format (under 2MB).
    • Step 6: Consent and Submit
      Agree to terms and consent to CIBIL check. Submit the form and note the reference number for tracking.
    • Step 7: Schedule Document Collection
      A representative may contact you for document collection or ask for online uploads.
  • 2. Apply via HDFC NetBanking (For Existing Customers):
    • Step 1: Log in to NetBanking
      Use your customer ID and password to access NetBanking.
    • Step 2: Go to Credit Cards Section
      Navigate to “Cards” and click on “Apply for Credit Card.”
    • Step 3: Choose Platinum Edge Card
      Select the Platinum Edge Credit Card and verify pre-filled details.
    • Step 4: Submit Application
      Submit the application. Bank may reach out for verification if required.
  • 3. Offline Application at HDFC Bank Branch:
    • Step 1: Visit Nearest Branch
      Use the branch locator to find and visit the nearest HDFC Bank branch.
    • Step 2: Request and Fill Application
      Ask for the Platinum Edge Credit Card form, fill it, and attach the required documents.
    • Step 3: Submit and Verify
      Submit the form. Staff will verify your details and provide a reference number.
  • 4. Apply Through Relationship Manager:
    • If you have a relationship manager at HDFC Bank, you can provide your documents and personal information to them directly. They will handle the application process on your behalf.
  • 5. Post-Application Process:
    • Verification: Bank will check your documents and credit score (CIBIL) before approving.
    • Approval Timeline: If eligible, the card is approved in 15–20 days.
    • Card Delivery: Card is delivered to your registered address in 7–10 working days.
  • 6. Card Activation:
    • NetBanking Activation: Log in to HDFC NetBanking, go to “Credit Cards,” select “Activate Card,” and set your PIN.
    • Phone Activation: Call customer care and follow IVR instructions.
  • 7. Tips for a Successful Application:
    • Ensure your CIBIL score is above 700 for higher approval chances.
    • Keep all required documents ready (ID, address, income proof, photo).
    • Provide accurate financial details to avoid rejection.

Eligibility Criteria for HDFC Platinum Edge Credit Card

  • Nationality:
    • Applicants must be Indian nationals (residents or NRIs)
  • Age:
    • 21–60 years for salaried individuals
    • 21–65 years for self-employed individuals
  • Employment Status:
    • Salaried: Should be employed with a stable organization (private/public sector) with a minimum 6–12 months in current job
    • Self-Employed: Should have a stable business/profession operating for at least 1–2 years
  • Income:
    • Salaried: Monthly income typically ₹25,000–₹50,000 (varies by location/profile)
    • Self-Employed: Annual income of ₹3–6 lakh (subject to business size and stability)
  • Credit Score:
    • Minimum CIBIL score of 700 preferred
    • Higher score (750+) increases chances of approval and better credit limit
  • Credit History:
    • Timely repayment of loans/credit cards
    • Low credit utilization (below 30%)
    • No recent defaults or settlements
    • First-time users may also be eligible
  • Documentation Required:
    • Identity Proof: Aadhaar, Passport, Voter ID, PAN, Driving License
    • Address Proof: Aadhaar, Passport, Utility Bill (electricity/gas/water), Ration Card
    • Income Proof:
      • Salaried: Latest salary slips (last 3–6 months), Form 16, bank statements
      • Self-Employed: ITR (1–2 years), bank statements, business financials
    • Photograph: Recent passport-size photo
  • Application Process:
    • Online: Apply via HDFC Bank website or NetBanking
    • Offline: Submit form at HDFC Bank branch with documents
  • Approval Time:
    • Typically 15–20 working days post document verification
  • Additional Considerations:
    • Applicants in metro/Tier-1 cities may have higher approval chances
    • Existing HDFC customers may receive faster or pre-approved offers
    • Low debt-to-income ratio preferred
  • Card Usage Suitability:
    • Best suited for individuals with regular fuel, dining, and lifestyle spends
    • Spending behavior aligned with card benefits may improve approval
  • Communication Address:
    • Applicants must provide a valid and verifiable residential address
    • Communication should be accessible for physical card delivery
  • Mobile Number & Email ID:
    • A valid mobile number and email address are mandatory for KYC and e-statements
    • Must be linked to Aadhaar for faster verification
  • KYC Compliance:
    • Applicants must fulfill full KYC norms as per RBI guidelines
    • Video KYC option may be available for online applicants
Check Best Gold Loan Offers

Documents Required for HDFC Platinum Edge Credit Card

  • Identity Proof Documents (any one):
    Aadhaar Card – Must be legible and up-to-date; masked Aadhaar (showing only last 4 digits) is acceptable for e-KYC
    PAN Card – Mandatory for all credit card applications for tax and financial verification
    Passport – Valid Indian passport, especially preferred for NRIs
    Driving License – Issued by RTO with name, DOB, and photograph
    Voter ID Card – Issued by the Election Commission of India
    Note: Documents must be clear and self-attested (if offline). Originals may be needed for in-person verification.
  • Address Proof Documents (any one):
    Aadhaar Card (with updated address)
    Passport (permanent address page)
    Driving License (with current address)
    Voter ID Card (with current address)
    Ration Card (if applicable)
    Utility Bill – Electricity, Water, or Gas (not older than 3 months)
    Bank Account Statement (not older than 3 months)
    Registered Rental Agreement + NOC from landlord if required
    Note: Ensure address matches the one on the application. For e-KYC, Aadhaar address is auto-verified.
  • Income Proof:
    For Salaried Individuals:
    Latest 3 months’ salary slips
    Last 3–6 months’ salary credit bank statements
    Latest Form 16 (optional but beneficial)
    Employment Certificate or Appointment Letter (if newly employed)

    For Self-Employed Individuals:
    Last 2 years’ Income Tax Returns (with computation)
    Last 6 months’ business bank statements
    Audited Financials (Profit & Loss and Balance Sheet)
    Business Proof – GST registration, Shop License, or Professional License
    Note: HDFC may consider alternate financial proofs in the absence of standard documents.
  • Photographs:
    Two to three recent passport-sized color photographs with a plain background
    Required for offline or video KYC applications.
  • Application Form:
    Duly filled and signed credit card application (online or offline)
  • Additional Documents (if applicable):
    Visa/Residence Permit (for NRIs)
    Overseas Address Proof – Foreign utility bill, bank statement, etc.
    Indian Address Proof – If delivery is requested in India
    Supplementary Card Holder’s ID & Relationship Proof (Aadhaar, Passport, etc.)
    Credit Report or CIBIL Score (if requested by the bank)

Factors of HDFC Platinum Edge Credit Card Overview

  • Fuel Surcharge Waiver: 1% waiver on fuel transactions between ₹400 and ₹4,000, capped at ₹250 per billing cycle — potential savings up to ₹1,800 annually.
  • Joining and Annual Fees: No joining fee. Annual fee of ₹500 + GST, waived on annual spending of ₹50,000 or more.
  • Interest and Charges: 3.75% per month (45% annually) on unpaid balances. Cash advance fee of 2.5% (minimum ₹500). Late payment fees start at ₹200 and foreign currency markup is 3.5%.
  • Eligibility Criteria: Salaried: 21–60 years, ₹12,000 monthly income or ₹2.5 lakh annually. Self-employed: 21–65 years, ₹6 lakh annual income. Add-on cardholders: 18+ years.
  • Required Documents: Identity proof (Aadhaar/PAN/Passport), address proof (Utility bill/Voter ID), and income proof (Salary slips/ITR/Bank statement).
  • Security Features: EMV chip technology for encryption and fraud protection. Zero liability after reporting card loss/theft.
  • Contactless Payments: Enabled for tap-and-pay; PIN not required for amounts below ₹5,000. PIN mandatory above ₹5,000 for added security.
  • SmartEMI Facility: Convert purchases above ₹2,500 into EMIs for easier budgeting of big-ticket spends.
  • Interest-Free Period: Up to 50 days interest-free credit if full balance is paid by the due date.
  • Dining Rewards: Earn 50% extra reward points on dining at select premium restaurants — beneficial for frequent diners.
  • Reward Points Structure: Earn 2 reward points per ₹150 spent — suitable for regular everyday spending.
  • Limitations: No airport lounge access or premium travel benefits. Moderate reward rate compared to premium cards. High interest on revolving balances.
  • Application Process: Apply online via HDFC website or visit a branch with identity, address, and income proof. Approval typically takes 15–20 days.
  • Bill Payment Options: Use HDFC NetBanking, NEFT, BillDesk, Visa Card Pay, or UPI. Timely payments help maintain credit score and avoid fees.
  • Discounts on Shoppers Stop Purchases: Get exclusive discounts and offers on shopping at Shoppers Stop stores and online, adding value for fashion and lifestyle shoppers.
  • Easy Access to E-statements: Access monthly e-statements and track spending through the HDFC mobile app or NetBanking for better financial management.
  • Revolving Credit Option: Enjoy the flexibility to carry forward balances and pay in easy installments with a nominal interest rate (subject to terms and conditions).

Frequently Asked Questions

1. What is the HDFC Platinum Edge Credit Card?
The HDFC Platinum Edge is a premium credit card that offers rewards, fuel surcharge waivers, and lifestyle benefits tailored for regular spenders.
2. What are the eligibility criteria to apply for the Platinum Edge Card?
Applicants should typically be salaried individuals between 21-60 years or self-employed professionals between 21-65 years with a good credit score and stable income.
3. Is there an annual fee for the Platinum Edge Credit Card?
Yes, the card has an annual fee, but it can often be waived if you meet the minimum annual spend criteria set by HDFC Bank.
4. What is the credit limit on this card?
The credit limit is assigned based on your income, credit history, and internal eligibility checks conducted by HDFC Bank.
5. What are the reward points benefits?
You earn 2 reward points for every ₹150 spent. These points can be redeemed for gifts, vouchers, and air miles through the HDFC rewards portal.
6. Is there a fuel surcharge waiver on this card?
Yes, you get a 1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹5,000.
7. Are there any dining or travel offers?
The card offers exclusive discounts and cashback on dining and select travel partners, which may vary periodically.
8. How can I redeem reward points?
Points can be redeemed through the HDFC SmartBuy platform or NetBanking for a variety of categories including flights, shopping, and gifts.
9. Is the Platinum Edge Credit Card contactless?
Yes, the card is enabled with contactless (NFC) technology for secure and convenient tap-and-pay transactions.
10. Can I get an add-on card with this credit card?
Yes, HDFC Bank offers free lifetime add-on cards for family members above 18 years of age.
11. What should I do if my card is lost or stolen?
Immediately report it to HDFC Bank’s 24x7 customer care or block it via NetBanking to prevent unauthorized transactions.
12. Is EMI conversion available on this card?
Yes, you can convert eligible purchases above a certain amount into easy EMIs through NetBanking or customer care.
13. How can I track my credit card statement and dues?
You can check your statement, reward points, and due date through HDFC NetBanking, mobile app, or monthly email statements.

List of HDFC Branches in Tamil Nadu

  • Sathyamangalam
  • Sivaganga
  • Sivakasi
  • Sriperumbudur
  • Tenkasi
  • Thanjavur
  • Theni
  • Thiruvallur
  • Thiruvarur
  • Tiruchengode
  • Tiruchirappalli (Trichy)
  • Tirunelveli
  • Tirupathur
  • Tiruppur
  • Tiruvannamalai
  • Tuticorin (Thoothukudi)
  • Udumalpet
  • Usilampatti
  • Vellore
  • Villupuram