HDFC Bank Teachers Platinum Credit Card
The card is one of the best in professional segment since the features are unique in its own way.
- Teacher's Day treat: Get a special gift of 500 reward points on Teacher's Day (5 Sept) every year.
Rewards: Weekends - 3x reward points on spends of ₹ 150. Earn as many as 2400 points in a year
Weekdays - Two reward points for every ₹ 150
Fuel Surcharge waiver: 1% fuel surcharge waiver at all fuel stations across India (on transaction between ₹ 400 and ₹ 5,000. Max waiver of ₹ 250 per statement cycle)
Safety: Protect your transactions with the EMV CHIP card, Be assured of zero liability on lost card - on immediate reporting to our call centre.
Utilities: Register with SmartPay, HDFC Bank's Utility Bill payment service, for easy bill payment.
Free add-on card: Get up to 3 lifetime free add-on cards, which you can give to your spouse, children (above 18 years of age), parents, brothers or sisters.
Get a special gift of 500 reward points on Teacher's Day (5 Sept) every year
3x reward points on spends of ₹ 150. Earn as many as 2400 points in a year
The annual fees of the card is Rs 500 for the first year but if you spend Rs 10000 within first 90 days from date of receipt of the card.
Welcome Benefit- None
Reward System- Weekends - 3x reward points on spends of ₹ 150. Earn as many as 2400 points in a year Weekdays - Two reward points for every ₹ 150 You can redeem your reward points for cashback credit, where 100 reward points equals to Rs 0.20. You can also redeem your reward points for air miles across major airline programs, where 1 point equals Rs 0.30. Earn 1 RP for every INR 100 spent. The effective cashback rate varies from 0.2% to 0.4%.
Billing Cycle- 30 Days
Interest Rate- 3.6% per month (i.e. 43.2% annually)
Special feature- Customers Get a special gift of 500 reward points on Teacher's Day (5 Sept) every year
Credit Card Type- Teachers Treat Card
The verdict
- The card is one of the best in the professional segment since the features are unique in their own way by giving 3x reward points on weekends. Though it belongs to a small variant, it gives attractive offers and caters to all types of teachers, whether private or government-employed. However, the card provides very limited features and benefits as compared to other cards available in the market.
Rating
How to get
Visit the HDFC Bank website and click on the "Credit Cards" tab.
Select the "Teachers Platinum Credit Card" and click on "Apply Now".
Fill in the online application form with your personal and financial details.
Review your application and click on "Submit".
Documents required: KYC documents (PAN card, Aadhaar card, etc.) Income proof (salary slips, bank statements, etc.) Address proof (utility bills, passport, etc.)
Once you have submitted your application, HDFC Bank will process it and get back to you within a few business days.
If your application is approved, you will receive your credit card in the mail 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