HDFC Bank Platinum Edge Credit Card
The HDFC Platinum Edge Credit Card offers rewards points on all eligible spends. You can convert these points into cashback and use it to settle your outstanding bills.
- Rewards: Earn 2 Reward Points for every Rs. 150 spent, with 50% more reward points at premium restaurants.
Fuel Surcharge Waiver: Enjoy a waiver of fuel surcharge of up to Rs. 250 in every billing cycle.
SmartPay Benefit: Get 2% cashback on all SmartPay payments, with a maximum cap of Rs. 200 per statement cycle and a reversal of Rs. 10.
Direct Pay Benefit: Earn 1% cashback on all utility bill payments directly made to the bill merchant, with a maximum cap of Rs. 150 per statement cycle.
Easy BillPay: Simplify your bill payments with the Easy BillPay feature, allowing you to automate your utility bill payments.
Interest-Free Credit Period: Utilize up to 50 days of interest-free credit on purchases, extending your repayment flexibility.
Global Acceptance: Make seamless transactions worldwide with the card's global acceptance.
Insurance Coverage: Benefit from Accidental Death Insurance Cover of Rs. 2 lakhs and Travel Insurance Cover of Rs. 50 lakhs.
Concierge Services: Access HDFC Bank's exclusive concierge services for personalized assistance with travel, dining, and entertainment arrangements.
EMV Chip Technology: Enjoy enhanced security with EMV chip technology, protecting your card information from unauthorized access.
Get 50% more reward points at premium restaurants
Complimentary Accidental Death Insurance up to Rs.50 lakh.
Convert the reward points into air miles or use them to purchase vouchers or merchandise from HDFC Credit Card Rewards Catalogue.
Welcome Benefit- None
Reward System- Earn 2 reward points for every ₹ 150 you spend 1RP for every INR 100. Redeem your points as cashback (100 points = ₹ 10) and use it to pay off your outstanding balance.
Billing Cycle- 30 Days
Interest Rate- 3.60% p.m. 43.20% p.a.
Special Feature- Complimentary Accidental Death Insurance up to Rs.50 lakh.
Credit Card Type- Dining Credit Card
The verdict
- The HDFC Bank Platinum Edge Credit Card is a premium credit card that offers a range of benefits and features to its users. However, the card is very basic in terms of offers and other programs like lounge access benefits or other privileges. Therefore, check other cards available in the market with better rewards and benefits.
Rating
How to get
You can apply for the card on the HDFC Bank website.
To do this, simply visit the website and click on the "Apply for Credit Card" link.
You will then need to provide some basic information about yourself, such as your name, address, and contact details.
You will also need to upload scanned copies of your identity and address proof documents.
Once you have applied for the card, the bank will review your application and make a decision.
If your application is approved, you will receive the card within a few weeks.
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Review by
Abhijeet Saxena
About the Expert
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai