HDFC Bank Platinum Plus Credit Card: Benefits & Apply

Summary

HDFC Bank Platinum Plus Credit Card is for someone who needs a simple, rewarding credit card. The card rewards customers with 2 reward points for every ₹150 spent on retail transactions and 3 reward points per ₹150 on dining and grocery purchases. The card is ideal for all daily purchases, and with its fuel surcharge waiver of up to ₹250 per billing cycle, it can help save the customer money on fuel.

This comes with a big benefit in terms of the 50-day interest-free credit period, where a user can spend his money well. It provides zero liability in case the card is lost or stolen, keeping the account fully secure and the mind at ease. Large-value purchases can also be converted into easy EMIs, which reduces the burden on large expenses.

The Tap & Pay feature enables contactless transactions, which makes paying quite fast convenient, and secure as well. A silver or platinum background usually gives this card a sharp professional look.

Introduction

Now, using credit cards is very common as it is especially used by people who do not want to use cash. Here, the Platinum Plus Credit Card appears as a fantastic choice. HDFC Bank Platinum Plus Credit Card is designed particularly for those individuals who want to enjoy great rewards and facilities on their everyday expenditures.

Platinum Plus Credit Card comes with many facilities and benefits to its customers. First of all, through the HDFC Bank Platinum Plus Credit Card, you can earn reward points on every expenditure, which you can later convert into different rewards or vouchers. Apart from this, you also get life insurance cover and accident insurance in HDFC Platinum Plus Credit Card, so that you can ensure the safety of yourself and your family.

Using HDFC Platinum Plus Credit Card, you can easily make things like big purchases, bill payments, online shopping, and travel bookings. Cardholders also get the benefit of discounts and cashback offers at many partner stores, which increases their savings.

In today’s article, we will discuss in detail about HDFC Platinum Plus Credit Card. In which we will tell you in detail about its benefits. Therefore, read this article till the end so that you do not have any problems later.

What is the HDFC Bank Platinum Plus Credit Card?

HDFC Platinum Plus Credit Card is a credit card introduced by HDFC Bank to provide great benefits and convenience to its customers. HDFC Platinum Plus Credit Card is designed for those who want to earn rewards and other benefits on their everyday spending.

Apart from this, the HDFC Platinum Plus Credit Card also offers you protection like accident insurance and life insurance. HDFC Platinum Plus Credit Card can be used for online shopping, travel bookings, bill payments, and many more, making HDFC Platinum Plus Credit Card a more convenient way to live your lifestyle.

How is the design of the HDFC Bank Platinum Plus Credit Card?

It features a design, that can be described as slick and professional, with a silver or platinum-colored background; hence it always looks pretty high-end.

There is an imprint of the HDFC Bank logo on the top followed by the name of the card. It sports a chip for greater security and minimalism in a sophisticated look that reflects elegance and timelessness.

What are the benefits of the HDFC Bank Platinum Plus Credit Card?

These are the most essential advantages of real reward points.

• Reward Points on Every Spend – Get 2 reward points for every ₹150 spent on retail purchases.

• Bonus Rewards on Dining & Groceries – Collect 3 reward points per ₹150 spent at restaurants and grocers.

• Fuel Surcharge Waiver – Avoid ₹250 surcharges in each billing cycle on fuel purchases across all the petrol pumps of India.

• Zero Liability on Lost Card – If your card is lost or stolen, inform the bank at once to avoid unauthorized charges.

• Interest-Free Credit Period – Get up to 50 days of interest-free credit on your purchases.

• Easy EMI Option – Convert big purchases into easy EMIs and manage your expenses better.

• Contactless Payments – Tap & Pay feature for fast and secure transactions.

What are the fees for the HDFC Bank Platinum Plus Credit Card?

Here is a simple breakup of the Credit Card fees.

Joining Fee	₹499 + GST (one-time fee when you get the card).
Annual Fee	₹2,499 = GST per year. This will be waived if you spend 4,00,000 or more in a year.
Add-on Card Fee	There are no charges for additional cards for family members.
Finance Charges	3.5% per month (42% annually) on the outstanding balance if you don’t pay your bill in full.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an HDFC Bank Platinum Plus Credit Card?

The following are the primary requirements:

1. To apply for the  HDFC Bank Platinum Plus Credit Card, you must be between 18 and 70 years old.

2. The income requirement differs according to your employment status:

• Self-Employed Professionals: A minimum Annual income of Rs 2 lakhs usually does the job.

3. A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.

4. Your credit score plays a role in the selection process. It is a tendency for HDFC Bank to favor borrowers with a better credit score usually above 750. 

5. You must be an Indian resident and have valid address proof within the country. 

6. A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.

7. A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.

What documents are required to get an HDFC Bank Platinum Plus Credit Card?

The documents that you will have to submit to get a Platinum Plus Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 monthsITR for self-employed persons
Income Proof	Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 months for self-employed persons
Photograph	The latest passport-sized photograph

Where can the HDFC Bank Platinum Plus Credit Card be used?

Here is the list of places where you can use it:

• With the HDFC Platinum Plus Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your HDFC Platinum Plus Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The HDFC Platinum Plus Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the HDFC Bank Platinum Plus Credit Card?

The credit amount you can spend is what you are provided with an HDFC Platinum Plus Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.

How do you apply for an HDFC Bank Platinum Plus Credit Card?

Apply it through both these modes: 

Online Application Process

• Visit the official website of the HDFC Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by HDFC Bank; for instance, you can choose the HDFC Platinum Plus Credit Card.

• Just hover your cursor on the  HDFC Bank Platinum Plus Credit Card, followed by selecting ‘Apply Now‘ from there.

• You will be asked to fill out your details including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after submitting it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process

• You can walk into the nearest HDFC Bank branch to apply for the HDFC Platinum Plus Credit Card.

• Request for the credit card application form for the HDFC Platinum Plus Credit Card. They will provide you with the form and proceed accordingly.

• Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the HDFC Platinum Plus Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the HDFC Bank Card website, or mobile app or by calling their customer service.

• For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting an HDFC Bank Platinum Plus Credit Card in 2025 be right?

Yes, getting an HDFC Bank Platinum Plus Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility. 

HDFC Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

HDFC Platinum Plus Credit Card is a great option for those who want to avail of rewards, cashback, and other facilities for their everyday expenses. HDFC Bank Platinum Plus Credit Card not only makes shopping and bill payments easy, but the reward points and insurance protection that come with it make it even more special.

Apart from this, the HDFC Platinum Plus Credit Card also offers special discounts and offers at many partner stores, which help you save more on your purchases. HDFC Platinum Plus Credit Card is especially beneficial for those who shop regularly, make online transactions, or like to travel, as it gives them maximum benefits on their expenses.

HDFC Platinum Plus Credit Card is a convenient and secure method that not only makes financial transactions easy but also offers you various benefits and facilities. If you are looking for a credit card that provides you with a good mix of rewards, protection, and savings, then the HDFC Platinum Plus Credit Card might suit your needs.

Frequently Asked Questions (FAQ’s)