Name: HDFC Platinum Times Card
Brand: HDFC Bank
SKU: 0JhmIytDiyN03JOzyufp
Rating: 4.5 (36 reviews)

Question 1

What is the credit limit of HDFC Platinum Times Card?

Accepted Answer

Credit cards do not come with a pre-set limit, meaning a limit set unique to the card but issuers set a range on credit limit. Rather the credit limit on credit cards varies for each individual and is allocated based on your credit profile based on your earnings, credit history and credit worthiness. However, the maximum credit limit you can expect on the HDFC Platinum Times Card is ₹1.5 to ₹2 lakh while the minimum would be ₹25,000. Once you apply and submit all required documents. Then the bank will process your application and communicate the credit limit when you receive your card.

Question 2

Is HDFC Platinum Times Card free?

Accepted Answer

No, HDFC Platinum Times Card has a first-year joining fee of ₹1,000 + GST and an yearly renewal fee of ₹1,000 + GST from the 2nd year onwards.

Question 3

HDFC Platinum Times Card Reward points valid for?

Accepted Answer

The reward points accumulated on your HDFC Platinum Times Card are valid only for 2 years.

Question 4

Can I withdraw cash from HDFC Platinum Times Card?

Accepted Answer

Like most of the credit cards, you can withdraw money using HDFC Platinum Times Credit Card up to your allowed cash withdrawal limit. Every transaction includes a fee of 2.50% on the advanced amount, subject to a minimum of ₹500. The interest rate is 3.49% monthly or 41.88% annually.

Question 5

What is the interest rate for HDFC Platinum Times Credit Card?

Accepted Answer

The interest rate on HDFC Platinum Times Credit Card is 3.49% monthly or 41.88% annually. The interest is calculated on the balance due from the starting date of the billing cycle.

Question 6

What is the billing date of the HDFC Credit Card?

Accepted Answer

Every credit card has a billing cycle. For instance, if your HDFC Credit Card billing cycle is 15th June to 15th July, then your payment will be due by 5th August, Payment due date is 20 days from your billing date. So, if you pay the total dues within 50 days (30+20), the bank won't charge any interest.

Question 7

How can I pay my HDFC credit card bill?

Accepted Answer

Credit card bills can be paid via multiple channels:

HDFC Mobile App
HDFC Bank ATM
Drop cheques in the 'drop box' at HDFC Bank branches
Cash payments at the bank branch
Auto-Debit facility
Net banking
Customer Care Centre
Visa money transfer
NEFT

Question 8

What do I do if my HDFC Bank Credit Card is lost or stolen?

Accepted Answer

In the case of loss, theft, or misuse of your credit card, the incident must be reported immediately to HDFC Bank through Customer Care or Net Banking or visiting the branch.Here’s how you can hotlist or block your Credit Card through NetBanking

Login to NetBanking using your NetBanking ID and Password
Click on Credit Cards tab and then on Credit Card Hotlisting on the left hand side. A list of Credit Cards registered under NetBanking will appear
Click on the Credit Card number you wish to hotlist
Select reason for hotlisting
Select if you would like the card to be re-issued

Question 9

Can I make HDFC credit card payments with other bank debit cards?

Accepted Answer

You can pay Via Billdesk For Non-HDFC Bank Account

Go to https.//pgi.billdesk.com/pgidsk/pgmerc/hdfccard/HDFC_card.jsp
Enter HDFC Bank Credit Card number and payment amount
Select your net banker from the drop-down and click on PAY
You will be securely redirected to the bank payment interface of your chosen net banking option
Enter your authentication details (user ID/password)
Confirm your payment amount for HDFC Bank Credit Card. Your account will get debited online
You will receive an online transaction confirmation and a Transaction Reference Number
You will also receive an email acknowledgement of your transaction (if email ID is provided)

Question 10

Will I be charged for IMPS transactions?

Accepted Answer

Yes. If your transaction amount is between ₹1 and ₹1 lakh, you will be charged ₹5 + GST. For transactions above ₹1 lakh and up to ₹2 lakh, you will be charged ₹15 + GST.

Question 11

Will I be charged for NEFT transactions?

Accepted Answer

No charges on online NEFT transactions. RBI has mandated banks to not to charge any fees on NEFT transactions done by savings account holders from January 1, 2020.

Question 12

Is applying for a credit card will do the hard credit pull?

Accepted Answer

Whenever you apply for a credit card bank will do the “hard inquiry,” or “hard pull.” to verify your creditworthiness. So it is a chicken-and-egg problem. To build a good creditworthiness you need to build credit history by using and repaying credit cards.

Fee Type	Charges
Fee	₹1,000
Card replacement fee	₹100
Cash withdrawal fee	2.5% on advanced amount, subject to minimum of ₹500
Late payment charges	No charge for up to ₹100 outstanding balance ₹100 for Between ₹100 to ₹500 ₹500 for Between ₹501 to ₹5,000 ₹600 for Between ₹5001 to ₹10,000 ₹800 for Between ₹10001 to ₹25,000 ₹950 More than ₹25,000
Fee on cash payment at branches	₹100 per payment transaction
Cash withdrawal limit	40% of your credit card limit
Reward redemption fee	₹99
Foreign Currency Transactions fee	Bank Charges Cross currency markup of 3.5%
Balance transfer processing fee	1% of balance transfer amount or ₹250 (which ever is higher)

HDFC Platinum Times Card Offers & Benefits

HDFC Platinum Times Card

Key Details of HDFC Platinum Times Card

Pro's of HDFC Platinum Times Card

Con's of HDFC Platinum Times Card

Rewards Rate of HDFC Platinum Times Card

Fee Details of HDFC Platinum Times Card

Charges of HDFC Platinum Times Card

Documentation for HDFC Platinum Times Card

Frequently asked questions