Thursday, May 16News That Matters

HDFC Bank Platinum Edge Credit Card – Review, Details, Offers, Benefits

HDFC Platinum Edge Credit Card is one of the basic credit cards provided by HDFC Bank.


  • 1% Fuel Surcharge waived off on fuel transactions ( Minimum transaction of INR 400, Maximum Cashback of INR 250 per statement cycle).
  • 15% off on 3000+ restaurants
  • Other exclusive offers on HDFC Credit Cards

Reward Points Collection

  • 2 Reward Points on Rs. 150 spent.
  • 50% more Reward Points on dining spends.
  • 10X reward points on HDFC SmartBuy Site

Exceptions:  EasyEMI and e-wallet loading transactions will not accrue Reward points.Reward points accrued will be reversed if a retail transaction is converted into SmartEMI.  Reward points accrued for Insurance transactions will have a maximum cap of 2,000 per transaction.

Reward Points Redemption

  • Redeem Reward Points as CashBack against outstanding amount on your Credit Card (100 Reward Points = Rs. 10)
  • Reward Points against air miles of Jet Airways (Jet Privilege Miles) and Singapore Airlines (KrisFlyer Miles).
  • Redeem points against the rewards catalogue

Points Value / Cashback equivalent based on redemption

1 point = Rs 0.10

  • Approx. cashback of 0.13% on normal spending and  
  • Approx. cashback of 0.26% on dining and grocery,
  • Approx. cashback of of 1.3% on SmartBuy spending

Fees:   First year fee and Annual Fees – Rs 500

First year fee waived off if you spend Rs 10000 in first 90 days

Spend Rs 50,000 in a year and get a waiver of next year’s annual membership fee


Looks like a basic credit card with basic features. Nothing exciting 🙁  

HDFC MoneyBack Credit card is better than HDFC Platinum Edge credit card  or HDFC Titanium Edge credit card


In fact, I would rather go for HDFC Bank Regalia First Credit Card or HDFC Bank Diners Club Miles Credit Card.

There are many credit cards offered by HDFC bank with different features including discount on movies, groceries, dining as well as air travel and hotels, free international and domestic lounge access. Some of the cards offers redemption rewards equivalent to 13%-33% cashback, that’s pretty amazing. See list of all credit cards offered by HDFC Bank and check which one you should go for.

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