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Features of the HDFC Times Platinum Credit Card
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Entertainment Benefits:
- Movie Ticket Discounts: Cardholders can enjoy substantial savings on movie tickets booked through BookMyShow. The card provides a 50% discount on movie tickets, capped at ₹600 per transaction. You can purchase up to four discounted tickets per month, making it ideal for group outings or frequent cinema visits. Additionally, a ₹50 discount on food and beverage purchases at the cinema is available once per month, enhancing your movie experience with affordable snacks.
- Complimentary Times Prime Membership: Unlock a world of premium entertainment with a complimentary Times Prime annual membership, valued at ₹999. To activate this benefit, you need to complete just one transaction per calendar quarter. This membership grants access to exclusive offers and subscriptions across platforms like Sony Liv, Gaana Plus, TOI+, Zee5, and more, ensuring you stay entertained with top-tier content. For lifetime free (LTF) cardholders, this benefit is available only in the first year, provided the card was issued after July 2022.
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Dining Rewards:
- Weekday Dining Bonanza: Earn accelerated rewards with 10 reward points for every ₹150 spent on dining from Monday to Friday. This applies to transactions classified under the ‘Restaurant’ Merchant Category Code (MCC) by Visa/MasterCard, ensuring you maximize rewards at your favorite eateries. These points are valid for two years from the date of accumulation, giving you ample time to redeem them.
- Dining Discounts via PayEazy: Savor delicious meals with up to 15% off, capped at ₹1,500, on dining bills when you pay through PayEazy on EazyDiner. This feature allows you to explore a wide range of restaurants while enjoying significant savings, making it perfect for foodies who love dining out or ordering in.
- Shopping and Lifestyle Perks: The HDFC Times Platinum Credit Card extends a wide range of benefits tailored to enhance your shopping and lifestyle experience.
- Welcome Vouchers: Upon activating your card within 30 days of issuance, you receive e-vouchers worth ₹5,000 across categories like shopping, apparel, dining, and wellness. These vouchers provide immediate value, allowing you to indulge in your favorite brands or experiences without extra costs. This standout feature offers benefits far exceeding the card’s ₹1,000 joining fee.
- Exclusive Shopping Discounts: Enjoy up to 20% off on online and offline shopping, wellness, and hotel stays at selected partners. These city-specific offers are updated daily and accessible via the Times Card WebApp, ensuring you always have access to the latest deals tailored to your location. Whether it’s fashion, electronics, or a spa day, this feature helps you save on premium lifestyle purchases.
- Cashback on Utility Bills: Get up to 5% cashback on utility bill payments and shopping via SmartBuy and SmartPay, with a monthly cap of ₹450. This feature simplifies bill payments while rewarding you for routine expenses, making it a practical perk for managing household costs.
- Travel and Fuel Benefits: The HDFC Times Platinum Credit Card also caters to your travel and commuting needs with features designed for convenience and savings.
- Fuel Surcharge Waiver: Save on fuel costs with a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, capped at ₹250 per statement cycle. This benefit applies to fuel purchases at any station across India, making it a valuable feature for frequent drivers looking to reduce commuting expenses.
- Contactless Payments for Travel: The card is enabled for contactless payments, allowing fast and secure transactions at retail outlets, including travel-related purchases. In India, contactless payments up to ₹5,000 can be made without entering a PIN, streamlining your transactions at airports, hotels, or other travel hubs. For amounts above ₹5,000, a PIN is required for added security.
- International Transaction Support: Use your card for foreign purchases with a dynamic currency conversion fee of 1%. This makes the card a reliable companion for international travel or online shopping from global retailers, ensuring you can shop or book seamlessly while abroad.
- Reward Points Program: The card’s reward points system is designed to maximize value across various spending categories, offering flexibility and generous redemption options.
- Earn Reward Points: Earn 3 reward points for every ₹150 spent on general purchases, with an accelerated rate of 10 reward points for weekday dining spends. Grocery transactions are capped at 1,000 reward points per month, and insurance transactions at 2,000 reward points per day, ensuring balanced earning potential. These points are valid for two years, giving you flexibility to accumulate and redeem them.
- Flexible Redemption Options: Redeem your reward points for a variety of options, including cashback, travel vouchers, merchandise, or products from the HDFC Rewards catalog. The redemption value is approximately ₹0.10 per point, offering decent returns on your spending. You can access the redemption portal via HDFC’s net banking, where you can browse categories, select items, and complete your purchase with ease.
- Financial Flexibility and Security: The card provides features that enhance financial convenience while prioritizing security, making it a reliable choice for everyday use.
- Revolving Credit Facility: Benefit from a revolving credit facility at a nominal interest rate of 3.49% per month (41.88% annually). This allows you to pay a minimum of 5% of the outstanding balance (subject to a minimum of ₹200) and carry forward the rest, providing flexibility for managing larger expenses. A 50-day interest-free period from the billing cycle start date is also available if you pay the total dues on time.
- Zero Liability on Fraud: In case of card loss or theft, report it immediately to HDFC’s 24/7 customer care to block the card and ensure zero liability for any fraudulent transactions. This feature provides peace of mind, knowing your finances are protected against unauthorized use.
- Lifetime Free Add-On Cards: Apply for up to three lifetime free add-on cards for family members aged 18 or above. These cards share the primary card’s credit limit and benefits, allowing your loved ones to enjoy the same perks without additional fees.
- Annual Fee Waiver: The card’s annual fee of ₹1,000 (plus GST) can be waived by spending ₹2.5 lakh or more in the previous year. This achievable threshold encourages regular use while offering cost savings for active cardholders. The joining fee of ₹1,000 is offset by the high-value welcome vouchers, making the card cost-effective from the start.
- Application and Eligibility Support: Applying for the card is straightforward, with clear eligibility criteria and support for a seamless process.
- Easy Application Process: Apply online via HDFC Bank’s website or visit a branch with required documents, including proof of identity (PAN card, Aadhaar), address (utility bill, passport), and income (salary slips, ITR). The bank evaluates your credit score, income (minimum ₹35,000 monthly for salaried, ₹6 lakh ITR for self-employed), and repayment history to determine eligibility and set a credit limit, typically ranging from ₹25,000 to ₹2 lakh.
- Secure Chip Card: The card features an EMV chip for enhanced security, supporting both dip-and-PIN transactions at chip-enabled POS terminals and swipe transactions at non-chip POS. It’s also compatible with online transactions after registering with MasterCard SecureCode, ensuring safe purchases across retail, travel, and entertainment platforms.
- Why Choose HDFC Times Platinum Credit Card? This card is ideal for young professionals and entertainment enthusiasts seeking a blend of lifestyle benefits and financial flexibility. Its focus on movies, dining, and shopping, combined with a robust rewards program and practical features like fuel waivers and contactless payments, makes it a versatile choice. The high-value welcome vouchers and Times Prime membership add significant value, while the annual fee waiver and add-on card options enhance affordability. With secure transactions and a user-friendly application process, the HDFC Times Platinum Credit Card delivers a rewarding experience tailored to modern lifestyles.
- Everyday Spending Rewards: Beyond fuel, the HDFC BPCL Octane Credit Card rewards cardholders for everyday purchases in key lifestyle categories.
- Enhanced Rewards on Lifestyle Categories: You earn 10 reward points per ₹100 spent on dining, groceries, departmental stores, and movie tickets, with a monthly cap of 7,500 points.
- Base Rewards on Other Retail Spends: For all other retail purchases, the card offers 1 reward point per ₹100 spent. While this base reward rate of 0.25% value-back is modest for spending in various categories.
- Travel: Complimentary Airport Lounge Access The HDFC BPCL Octane Credit Card elevates your travel experience with 4 complimentary domestic lounge visits per calendar year, limited to one visit per quarter.
- Lifestyle Perks: This perk is ideal for frequent travelers who value comfort and convenience at airports.
- Milestone Benefits: Upon reaching ₹3 lakh in annual spends, you receive an e-gift voucher worth ₹2,000 from brands like Aditya Birla Fashion, Yatra, or Bata/Hush Puppies.
- Financial Flexibility and Convenience: The card offers an interest-free credit period of up to 50 days on purchases, provided the merchant submits the charge promptly.
- Interest-Free Credit Period: This feature allows you to manage cash flow effectively, making it easier to handle large expenses without immediate financial strain.
- Easy EMI Options with Flexipay: For purchases of ₹2,500 or more, the HDFC BPCL Octane Credit Card offers the Flexipay facility, enabling you to convert transactions into easy monthly installments.
- Balance Transfer on EMI: To consolidate debt, the card allows you to transfer outstanding balances from other banks’ credit cards to the HDFC BPCL Octane Credit Card at a lower interest rate.
- Security and Global Acceptance: This feature is particularly convenient for small-ticket purchases, reducing the risk of card loss or fraud, as the card remains in your hand during transactions.
- Contactless Transactions: The HDFC BPCL Octane Credit Card supports contactless payments, allowing you to make quick and secure transactions by simply waving the card at compatible readers.
- Worldwide Acceptance: As an international credit card, it is accepted at over 24 million outlets worldwide, including 3.25 lakh outlets in India, wherever Visa or MasterCard is supported.
- Fraud Liability Cover: The card includes a complimentary fraud liability cover of ₹1 lakh, valid for 3 days prior to reporting a loss and 7 days post-reporting.
- HDFC BPCL RuPay Credit Card Variant: The fuel rewards, surcharge waivers, and lifestyle benefits remain consistent with the standard Octane card, but the RuPay network enhances its utility for UPI-linked spends, BPCL outlets.
- HDFC BPCL Octane Credit Card Minimum Limit: The HDFC BPCL Octane Credit Card minimum limit is determined by HDFC Bank based on the cardholder’s creditworthiness, income, and credit history.
- Fees: To qualify for the HDFC BPCL Octane Credit Card, applicants must be aged 21 to 60 years with a gross monthly income of ₹25,000 or more or income tax returns exceeding ₹2 lakh per annum.
- Eligibility: Required documents include identity proof (Aadhaar, PAN, or passport), address proof (utility bill or ration card), and income proof (salary slips or ITR).
- Fees and Charges: The card carries a joining fee of ₹1,499 + GST and an annual renewal fee of ₹1,499 + GST. However, the renewal fee is waived if you spend ₹2 lakh annually, making it cost-effective for active users.
- Why Choose the HDFC BPCL Octane Credit Card: The HDFC BPCL Octane Credit Card stands out for its robust fuel rewards, lifestyle benefits, and financial flexibility. Its 25X reward points on BPCL fuel spends, 1% surcharge waiver, and complimentary lounge access make it a compelling choice for commuters and travelers. The HDFC BPCL RuPay Credit Card variant adds UPI convenience, while the HDFC BPCL Octane Credit Card minimum limit ensures accessibility for a wide range of users. With a reward points value of ₹0.25, the card delivers consistent savings across fuel, dining, groceries, and more. Whether you’re a frequent driver or someone seeking rewards on everyday spends, this card offers a balanced mix of savings and perks. Apply online through HDFC Bank’s website or visit a branch to start enjoying these benefits today.
Frequently Asked Questions
1. What are the exclusive benefits of the HDFC Times Platinum Credit Card?
The card offers benefits like 5X Reward Points on Times Prime membership spends, discounts on BookMyShow, Zomato, Swiggy, and premium magazine subscriptions from The Times Group.
2. How can I avail of the complimentary Times Prime membership?
Eligible cardholders receive a free Times Prime membership upon activation and meeting the minimum spend requirement (if applicable). The membership is auto-activated or can be claimed via the HDFC Bank website.
3. Does the HDFC Times Platinum Credit Card have an annual fee?
Yes, the card has an annual fee (typically ₹500 + GST), but it may be waived off if you cross a specified annual spend limit (e.g., ₹50,000 in a year).
4. What are the reward redemption options for this card?
Reward Points can be redeemed for flight tickets, hotel stays, merchandise, gift vouchers, or cashback via the HDFC Bank Rewards Portal.
5. Is there a fuel surcharge waiver on this card?
Yes, you get a 1% fuel surcharge waiver (up to ₹500 per month) at all petrol pumps across India with a minimum transaction of ₹400.
6. Are there any airport lounge access benefits?
The card provides 4 complimentary lounge accesses per quarter (domestic) when you spend ₹15,000 or more in the previous quarter.
7. How does the 5X Reward Points feature work on Times Prime spends?
You earn 5 Reward Points per ₹150 spent (instead of the usual 1 RP) on eligible Times Prime subscriptions and partner transactions.
8. What insurance covers are available with this card?
The card includes air accident cover (up to ₹1 crore), lost card liability (up to ₹1 lakh), and purchase protection (up to ₹50,000).
9. Can I convert my purchases into EMIs with this card?
Yes, you can convert large purchases (above ₹5,000) into No-Cost EMIs or FlexiPay EMIs at partner merchants or via the HDFC Bank app.
10. How do I check if I’m eligible for the HDFC Times Platinum Credit Card?
Eligibility depends on factors like credit score (750+), income (minimum ₹3-4 LPA), and existing relationship with HDFC Bank. You can check pre-approved offers via NetBanking or the HDFC website.
List of HDFC Branches in Tamil Nadu
- Madurai
- Mayiladuthurai (Mayuram)
- Mettupalayam
- Nagercoil
- Namakkal
- Ooty
- Palani
- Palladam
- Pattukkottai
- Perambalur
- Periyakulam
- Pollachi
- Pudukkottai
- Rajapalayam
- Ramanathapuram
- Ranipet
- Rasipuram
- Salem
- Sathyamangalam
- Sivaganga