HDFC Bank Platinum Times Credit Card
HDFC Bank
HDFC Bank Platinum Times Credit Card
HDFC Bank
Annual Fee
₹1,000
Effective Rate
1.00%
Network
VISA
Point Value
₹1.00/pt
About HDFC Bank Platinum Times Credit Card
5% cashback utilities via SmartPay; 5% shopping via SmartBuy; 10% flights/hotels SmartBuy. Times Prime membership (Gaana/SonyLIV/TOI+/Chaayos/Uber/Myntra). EazyDiner ₹1,500 discount + 6mo free membership. 1% fuel waiver.
Best For
Pros & Cons
thumb_upPros
- check_circleTimes Prime Membership
- check_circleEazyDiner – ₹1,500 Discount + 6mo Free
- check_circleSpending milestone bonuses for high spenders
thumb_downCons
- cancelAnnual fee of ₹1,000 with no waiver option
- cancelForeign transaction fee applies on overseas spends
Reward Earning Structure
Each point is worth ₹1.00 — an effective return of 1.00% on spend.
| Category | Earn Rate | Per ₹10,000 Spent |
|---|---|---|
| All other spends | 5% | 500 pts≈ ₹500 |
| All other spends | 5% | 500 pts≈ ₹500 |
| All other spends | 1% | 100 pts≈ ₹100 |
Cashback is credited directly to your statement, reducing your outstanding balance. No redemption required.
Card Benefits
Times Prime Membership
Annual Times Prime membership (Gaana+, SonyLIV, TOI+, Chaayos, Uber, Myntra benefits).
EazyDiner – ₹1,500 Discount + 6mo Free
₹1,500 dining discount + 6 months free EazyDiner Prime membership.
Dineout – Up to 15% Off
Up to 15% off dining bills via PayEazy.
1% Fuel Surcharge Waiver
1% fuel waiver on ₹400–₹4,000; max ₹500/cycle.
Spending Milestones
Unlock bonus rewards when your annual spend crosses these thresholds.
Spend ₹2,50,000 (ANNUAL)
Annual Fee Waiver – ₹2.5L Spend: Annual fee of ₹1,000 waived on achieving net annual spends of ₹2,50,000 in the card anniversary year.
Fees & Charges
Key fees at a glance. For the complete schedule refer to the official Key Fact Statement (KFS) on the HDFC Bank website.
| Annual Fee | ₹1,000 |
| Forex Markup | As per issuer schedule |
| Interest Rate (APR) | Refer to KFS |
| Late Payment Charges | Refer to KFS |
| Cash Advance Fee | Refer to KFS |
Eligibility & Documents Required
Eligibility Criteria
- checkAge: 18–70 years (primary cardholder)
- checkMinimum annual income: As per bank norms
- checkCIBIL score: 750+ recommended
- checkEmployment: Salaried or self-employed Indian resident
Documents Required
- descriptionPAN Card (mandatory)
- descriptionAadhaar / Passport / Voter ID (address proof)
- descriptionSalary slips — last 3 months (salaried)
- descriptionLatest ITR or Form 16 (self-employed / salaried)
- descriptionBank statements — last 3 months
- descriptionPassport-size photograph
Frequently Asked Questions
Common questions about HDFC Bank Platinum Times Credit Card.
Ready to apply for HDFC Bank Platinum Times Credit Card?
Apply directly on the HDFC Bank website. Most decisions within 7–10 working days.
Affiliate disclosure: CreditBrain may earn a referral fee if you apply via our link. This does not affect our editorial independence.