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Last updated: 17 October 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
2 Reward Points per ₹150 spent
Earn 2 Reward Points for every ₹150 spent on regular retail purchases. Earn 50% more Reward Points (3 RP per ₹150) on incremental spends above ₹50,000 per statement cycle. Base redemption value is typically ₹0.20 per point.
Redeem for
The privileges that come bundled in, beyond the reward points.
Annual fee of ₹399 is waived if you spend ₹50,000 or more in the previous anniversary year
1% fuel surcharge waiver at all petrol pumps in India on transactions between ₹400 and ₹5,000 (maximum waiver of ₹250 per billing cycle)
Zero liability on fraudulent transactions if the loss of the card is reported immediately to the bank
An honest read on where this card earns its keep — and where it doesn't.
Very low annual fee of ₹399
Easily achievable annual fee waiver target (₹50,000/year)
Reward accumulation accelerates (50% bonus) after crossing ₹50k in a billing cycle
Good for building initial credit history
Legacy card lacking modern lifestyle benefits like airport lounge access
Very low base reward value (approx. 0.26% return) compared to newer entry-level cards
Reward points expire after 24 months
No accelerated rewards for specific categories like dining or groceries
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with HDFC Bank before you apply.
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how HDFC Platinum Plus Credit Card stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
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Everything you need to know about HDFC Platinum Plus Credit Card fees, reward conversion, lounge access, and application eligibility.
HDFC Platinum Plus Credit Card has an annual fee of ₹399 plus 18% GST. Most cardholders can get subsequent annual renewal fees waived by reaching the bank's annual milestone spend threshold. Additionally, the initial fee is often offset by welcome privileges like "250 Reward Points upon realization of the joining fee.".
HDFC Platinum Plus Credit Card earns Reward Points at a primary rate of 2 Reward Points per ₹150 spent. Specifically, Earn 2 Reward Points for every ₹150 spent on regular retail purchases. Earn 50% more Reward Points (3 RP per ₹150) on incremental spends above ₹50,000 per statement cycle. Base redemption value is typically ₹0.20 per point.. Spends in Rewards, Entry Level, Shopping categories provide the maximum valueback per transaction on this card.
Rewards earned on HDFC Platinum Plus Credit Card can be redeemed for Product Catalogue, Cashback / Statement Credit, Airmiles via HDFC Bank's official rewards portal or mobile banking app. Points earned remain valid for 24 months from the transaction date before expiring.
A CIBIL credit score of 700 or above is strongly recommended for approval of HDFC Platinum Plus Credit Card. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
HDFC Platinum Plus Credit Card is issued on the Visa or MasterCard network with worldwide acceptance at over 30 million merchant establishments and online portals. International transactions, contactless tap-to-pay (up to ₹5,000 without PIN), and tokenized payments are supported once enabled in your banking app.
HDFC Platinum Plus Credit Card levies a forex markup fee of 3.5% + GST on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
HDFC Platinum Plus Credit Card currently features a welcome offer: "250 Reward Points upon realization of the joining fee.". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include Very low annual fee of ₹399 and Easily achievable annual fee waiver target (₹50. However, keep in mind that Legacy card lacking modern lifestyle benefits like airport lounge access and Very low base reward value (approx. 0.26% return) compared to newer entry-level cards. Overall, HDFC Platinum Plus Credit Card delivers strong value if your regular spending aligns with Rewards, Entry Level, Shopping.
HDFC Platinum Plus Credit Card is focused on Rewards and Entry Level and Shopping valueback and does not include unconditional complimentary airport lounge visits as a core benefit. If lounge access is a deciding factor for your travels, consider pairing this with a dedicated premium travel credit card.
Yes, HDFC Platinum Plus Credit Card includes a 1% fuel surcharge waiver for fuel spends typically between ₹400 and ₹4,000 at all government and private fuel stations in India. (1% fuel surcharge waiver at all petrol pumps in India on transactions between ₹400 and ₹5). The monthly waiver is subject to a cap, and GST charged on the surcharge is non-refundable.
