HDFC Bank
HDFC Bank Platinum Plus Credit Card
Entry-premium Visa Platinum Plus with rewards and fuel waiver
₹1,000/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
- Mid-tier entry cardholder
- Everyday spender
-
What we like
- 2x rewards on retail and dining
- Domestic lounge access
- Mid-tier entry premium
-
Watch out for
- ₹1,000 non-waiver joining fee
- Standard 3.5% forex markup
- Spend threshold of ₹1.5 lakh/year required to waive annual fee
Annual fee
₹1,000/yr
Reward rate
2x
Min. income
₹4,00,000
Forex markup
3.5%
Lounge access
Domestic only
Eligibility
₹4 lakh/yr · CIBIL 720+
Reward cap
Not explicitly stated
Welcome benefit
₹1,000 voucher on annual spends ≥ ₹1,50,000; ₹2,500 voucher on ≥ ₹3,00,000.
HDFC Bank Platinum Plus Credit Card review: entry-premium Visa Platinum Plus with high rewards on retail and dining spend, fuel surcharge waiver, and milestone vouchers for mid-tier cardholders.
Who is this for
- Mid-tier entry cardholder
- Everyday spender
What we like
- 2x rewards on retail and dining
- Domestic lounge access
- Mid-tier entry premium
Watch out for
- ₹1,000 non-waiver joining fee
- Standard 3.5% forex markup
- Spend threshold of ₹1.5 lakh/year required to waive annual fee
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 | ₹1,000 | Not waivable |
| Annual fee | ₹1,000 | Waived on annual spends ≥ ₹1,50,000 |
| Renewal fee | ₹1,000 | Waived on annual spends ≥ ₹1,50,000 |
| 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 |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| All spends | 2 Reward Points per ₹150 on retail spend; 2 Reward Points per ₹150 on dining; 1 Reward Point per ₹150 on utility & in… | Not explicitly stated | Redeemable via HDFC rewards portal |
| DINING | 2.00 | — | 0.50 |
| SHOPPING | 2.00 | — | 0.50 |
Benefits
-
2x Rewards on Retail and Dining Highlight
2 Reward Points per ₹150 on retail and dining spend.
-
Domestic Lounge Access
2 complimentary domestic airport lounge visits per quarter.
-
Fuel Surcharge Waiver
1% surcharge waiver on fuel transactions between ₹400 and ₹4,000 (max ₹500/month).
-
Milestone Vouchers
₹1,000 voucher on annual spends ≥ ₹1,50,000; ₹2,500 voucher on ≥ ₹3,00,000.
Eligibility
- Age
- 21–60 years
- Min. income
- ₹4,00,000
- Min. credit score
- 720+
- Score note
- Good credit card required
- Employment
- Salaried, self-employed
- Documents
- PAN, Aadhaar (DigiLocker sufficient), salary slip / ITR for self-employed
HDFC Bank Platinum Plus Credit Card is the entry-premium Visa Platinum tier. It targets mid-tier spenders with rewards on retail and dining, plus lounge access.
Fees and rewards
- Joining fee: ₹1,000 (non-waiver)
- Annual fee: ₹1,000, waived on annual spends ≥ ₹1,50,000
- Rewards: 2 Reward Points per ₹150 on retail + dining
- Forex markup: 3.50%
Benefits
- 2x rewards on retail and dining
- 2 domestic lounge visits per quarter
- ₹1,000 milestone voucher on ₹1.5 lakh spend; ₹2,500 on ₹3 lakh
- 1% fuel surcharge waiver (max ₹500/month)
Eligibility
Minimum annual income ₹4,00,000 (salaried) / ITR-based for self-employed. Good 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 Plus Credit Card apply walkthrough →
Apply for HDFC Bank Platinum Plus 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 Plus Credit Card worth it?
What is the annual fee for the HDFC Bank Platinum Plus Credit Card?
How does the HDFC Bank Platinum Plus Credit Card reward rate work?
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Does the HDFC Bank Platinum Plus Credit Card offer airport lounge access?
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Disclaimer: Card details are based on publicly available issuer schedule of charges. Eligibility and approval are at the issuer’s sole discretion. FinWiz24 does not guarantee card approval or specific terms. Always read the issuer’s terms and conditions before applying.
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