HDFC

Platinum Times Credit Card

Good for Dining purchases.

Should you get this?

Conditional fit

Confirm terms with the issuer

Why this card

  • Up to 10 pts / ₹150 on Dining
  • You spend on dining.
Issuer evidence · 3 sources →

Trade-off

The annual fee (₹1,000) is waived only when eligible annual spend exceeds ₹2,50,000.

Annual fee ₹1,000 per year
Rewards 3 pts / ₹150 base
Forex markup 3.5% high
Compare with Axis Bank IndiGo →

Similar tier comparison

Rewards

Earning rules

Detail · from the summary above
ScopeRateEligibilityLimit
General spend3 pts / ₹150Credited as reward points—
Dining10 pts / ₹150Credited as reward points—
Insurance3 pts / ₹150Credited as reward points2,000 points per day; at 3 pts / ₹150, this lane reaches the cap at ₹1,00,000 of eligible spend
Utilities3 pts / ₹150Credited as reward points2,000 points per month; at 3 pts / ₹150, this lane reaches the cap at ₹1,00,000 of eligible spend

How to avoid the annual fee

Spend threshold for waiver
Above ₹2.5L annual eligible spend required for the waiver

Annual fee is ₹1,000. The issuer doesn't publish a documented cash value for its reward points, so a reliable rewards break-even estimate can't be shown.

Reward reality — the earning-rate detail behind the numbers above

Reward reality

Conclusion · what you actually get

Eligible spend

3 points per ₹150 on eligible spend

Point value

Not published by issuer — varies by redemption

Caps

  • Insurance2,000 points per day
    Why?

    at 3 pts / ₹150, this lane reaches the cap at ₹1,00,000 of eligible spend

  • Utilities2,000 points per month
    Why?

    at 3 pts / ₹150, this lane reaches the cap at ₹1,00,000 of eligible spend

View full earning rules →

Realisation

Credited as reward points

Reported reward terms

Evidence · not used in rates or comparisons

Reported category terms

Shopping
1% cashbackDomestic spend

Reported by secondary sources · verify with issuer1 other source

Evidence only · excluded from decisions

Costs & fees

Eligibility

Applicant class · age · income

Reported criteria · as stated by sources

Self-employed applicant

Minimum age
21 years or olderissuer-stated
Annual ITR
₹6,00,000 or moresecondary
Annual personal income
₹6,00,000 or moreissuer-stated

Attestation differs per figure — see each tag

Salaried applicant

Minimum age
21 years or olderissuer-stated
Net monthly income
Above ₹35,000secondary
Net monthly income
₹35,000 or moreissuer-stated

Sources disagree on threshold wording for net monthly income — the rows above state one requirement two ways, not two requirements.

Attestation differs per figure — see each tag

Supplementary applicant

Minimum age
15 years or older

Reported by secondary sources · verify with issuer1 other source

Evidence only · excluded from decisions

Spending requirements

Spend gates · caps · milestone thresholds
RequirementAmountPeriodUnlocks
Annual fee waiver₹2,50,000yearAnnual fee waiver

Reported but unverified

Evidence · not used as this card's figures
Renewal fee
₹1,000Reported by secondary sources · verify with issuer · 1 source

Evidence only · excluded from decisions

Watch outs

Before choosing this card
  • Forex markup is 3.5%, so frequent international spends may be costly.
  • Lounge access not verified.

Estimated usage

Example usage at this monthly spend

₹
  • At this monthly spend, you'd earn: Based on the standard earn rate (3 pts / ₹150). Up to ~1,000 pts/month if the entire spend qualifies. Excluded transactions and category rules earn less. Partner bonuses aren't included.
  • We can estimate the points earned, but not a verified ₹ value yet.
  • Fee waiver achievable at this spend
  • Forex cost ~₹1,750 per ₹50k international spend

Illustrative only, using current base rates and snapshot data.

Benefits & charges

Side-by-side facts
Benefits

Lounge Access

Domestic (cardholder)
Lounge access not verified

Rewards

Base earn
3 points per ₹150 value depends on redemption
Point validity
Points expire 2 years after earning · verified 7 Jul 2026
Fees & charges

Fees

Monthly interest rate
3.6% / month
Annual fee
₹1,000
Joining fee
₹1,000 · verified 19 Jun 2026
Fee waiver spend
Above ₹2,50,000 · verified 19 Jun 2026 Annual fee waived on eligible anniversary-year spend above ₹2,50,000.
Interest-free period
Up to 50 days · verified 7 Jul 2026
Late-payment charge
₹100–₹1,300 depending on outstanding balance Exact charge depends on your outstanding balance per issuer tiers.

International Use

Forex markup
3.5%

Issuer documented · corroborating sources · verify issuer terms before applying

Where to verify
Product tier
Mid-tier

Travel & perks

Fuel Benefits

At the pump
  • 1% fuel surcharge waived on transactions ₹400–₹5,000.
  • Maximum waiver ₹500 per month.

Fine print & compare

Compare with similar cards

Similar tier · similar benefits
SIDE BY SIDE
HDFC Bank Platinum Times
vs
Axis Bank IndiGo
SIDE BY SIDE
HDFC Bank Platinum Times
vs
Axis Bank My Zone
SIDE BY SIDE
HDFC Bank Platinum Times
vs
HSBC India Live+

The fine print

Caps · exclusions · earning · redemption · last refresh

Caps & limits

  • Insurance cap: 2,000 points per day; at 3 pts / ₹150, this lane reaches the cap at ₹1,00,000 of eligible spend.
  • Utilities cap: 2,000 points per month; at 3 pts / ₹150, this lane reaches the cap at ₹1,00,000 of eligible spend.
  • After the Insurance cap is reached, further spending in that lane earns no rewards.
  • After the Utilities cap is reached, further spending in that lane earns no rewards.
Exclusions: 6

These spends do not earn reward points.

Payments

  • Education

Financial

  • EMI
  • Wallet loads
  • Fuel
  • Insurance premiums

Utilities

  • Utilities

Latest update

  • Annual fee: ₹1,000.
  • Forex markup currently listed at 3.5%.
  • Lounge access not verified.

Common questions

From verified card facts

Is this good for lounge access?

Lounge access is not fully verified. Check issuer terms before relying on this card for lounge access.

Is this good for international spends?

Forex markup is 3.5%, so frequent international spends may be costly.

Is the annual fee easy to recover?

Fee waiver applies above ₹2,50,000 annual spend. Verify eligible spend exclusions before counting on it.

When do welcome benefits arrive?

Legacy data contains a possible welcome-benefit signal, but the benefit item, qualification, and fulfilment are not verified. Check the issuer welcome email, MITC, and current offer page before relying on it.

Learn

Learn more

Guides matched to this card — not a random syllabus.

All guides →
Last refreshed 6 Sept 2026 moneymatters.cards Change look saved in this browser only
Important

Data compiled from issuer and public information. Details may change — verify with issuer. Reference data, not financial advice.

Money Matters is an independent comparison and information service. It is not affiliated with, sponsored by, or endorsed by any bank or card issuer. Card and issuer names are trademarks of their respective owners and are used here only to identify the products being compared.