HDFC Bank
HDFC Bank Platinum Edge Credit Card
Entry-level Visa Platinum with cashback on dining and EMI options
₹500/yr annual fee · 2x rewards
By FinWiz24 Research Desk · Last reviewed · How we review
FinWiz24 Research Desk
Verified independently against issuer Terms & Conditions
Editorial Team
-
Best for
- First-time cardholder
- Entry-level Visa user
- EMI user
-
What we like
- 2% cashback on dining and entertainment
- Low ₹50,000 waiver threshold
- EMI conversion option
-
Watch out for
- ₹500 non-waiver joining fee
- Only 1x on retail
- Standard 3.5% forex markup
Annual fee
₹500/yr
Reward rate
2x
Min. income
₹2,50,000
Forex markup
3.5%
Lounge access
None
Eligibility
₹2.50 lakh/yr · CIBIL 700+
Reward cap
Cashback capped at ₹500/month on dining
Welcome benefit
₹500 voucher on annual spends ≥ ₹50,000; ₹2,000 voucher on ≥ ₹1,50,000.
HDFC Bank Platinum Edge Credit Card review: entry-level Visa Platinum with cashback on dining and EMI conversion benefits, fuel surcharge waiver, plus milestone vouchers for first-time HDFC cardholders.
Who is this for
- First-time cardholder
- Entry-level Visa user
- EMI user
What we like
- 2% cashback on dining and entertainment
- Low ₹50,000 waiver threshold
- EMI conversion option
Watch out for
- ₹500 non-waiver joining fee
- Only 1x on retail
- Standard 3.5% forex markup
Issuer
Headquarters
Mumbai, Maharashtra
Established 1994
Website
www.hdfcbank.comHDFC Bank is an RBI-regulated entity. See RBI's Master Directions on Credit Cards for the regulatory framework.
Fees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹500 | Not waivable |
| Annual fee | ₹500 | Waived on annual spends ≥ ₹50,000 |
| Renewal fee | ₹500 | Waived on annual spends ≥ ₹50,000 |
| Forex markup | 3.5% | Not waivable |
| Late payment | ₹750 | Not waivable |
| Cash advance | 2.5% of amount | Not waivable |
| Fuel surcharge | 1% | 1% surcharge waived on fuel transactions between ₹400 and ₹4,000 (max ₹500/month) |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| DINING | 2% cashback on dining and entertainment; 1 Reward Point per ₹150 on retail; 0.5 Reward Point per ₹150 on utility & in… | Cashback capped at ₹500/month on dining | Auto-credit to statement |
| All spends | 1.00 | Not explicitly stated | 0.25 |
| SHOPPING | 1.00 | — | 0.25 |
Benefits
-
2% Cashback on Dining Highlight
2% cashback on dining and entertainment spend (max ₹500/month).
-
EMI Conversion
Convert purchases above ₹5,000 to EMI at attractive interest rates.
-
Fuel Surcharge Waiver
1% surcharge waiver on fuel transactions between ₹400 and ₹4,000 (max ₹500/month).
-
Milestone Vouchers
₹500 voucher on annual spends ≥ ₹50,000; ₹2,000 voucher on ≥ ₹1,50,000.
Eligibility
- Age
- 21–60 years
- Min. income
- ₹2,50,000
- Min. credit score
- 700+
- Score note
- Decent credit card required
- Employment
- Salaried, self-employed
- Documents
- PAN, Aadhaar (DigiLocker sufficient), salary slip / ITR for self-employed
HDFC Bank Platinum Edge Credit Card is the entry-level Visa Platinum tier. It targets first-time cardholders with cashback on dining and EMI conversion benefits.
Fees and rewards
- Joining fee: ₹500 (non-waiver)
- Annual fee: ₹500, waived on annual spends ≥ ₹50,000
- Rewards: 2% cashback on dining (max ₹500/month); 1 Reward Point per ₹150 on retail
- Forex markup: 3.50%
Benefits
- 2% cashback on dining and entertainment (max ₹500/month)
- ₹500 milestone voucher on ₹50,000 spend; ₹2,000 on ₹1,50,000
- EMI conversion on purchases above ₹5,000
- 1% fuel surcharge waiver (max ₹500/month)
Eligibility
Minimum annual income ₹2,50,000 (salaried) / ITR-based for self-employed. Decent credit score required.
Card data is compiled from the issuer’s published fee schedules. Last reviewed 2026-09-26.
Step-by-step application guide: Read the HDFC Bank Platinum Edge Credit Card apply walkthrough →
Apply for HDFC Bank Platinum Edge Credit Card
Last reviewed · How we review
FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.
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Frequently asked questions
Is the HDFC Bank Platinum Edge Credit Card worth it?
What is the annual fee for the HDFC Bank Platinum Edge Credit Card?
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Does the HDFC Bank Platinum Edge Credit Card offer airport lounge access?
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