HDFC
Platinum Times Credit Card
Good fit for frequent dining users — ₹1,000 annual fee.
Top reasons to choose this card
- ₹2.5L fee waiver
What you'd do with it
- Strongest on Dining and similar dining spend.
- Works when a ₹1,000 annual fee is acceptable for the accelerated earn rates.
- Competitive for day-to-day rewards with an estimated base return around 0.4%.
Annual fee ₹1,000 per year
Forex markup 3.5% high
Lounge access 0 no lounge
Rewards / ₹100 10 pts up to · ₹150 on Dining
The catch Forex markup is 3.5%, so this can get expensive for frequent international spends.
- Welcome benefit timing may vary
- Fee waiver available
- Annual fee known
- Forex markup known
- No lounge access
At a glance
Snapshot · usage · fitFast facts
- Annual fee
- ₹1,000 higher than 55 of 112 cards
- Joining fee
- ₹1,000
- Forex markup
- 3.5% the standard rate (matches 66 cards)
- Lounge access
- — domestic lounge
- Reward rate
- Up to 10 pts / ₹150 on Dining
Fit data not yet captured for this card.
Still worth it?
Evidence-backed snapshotGood fit if
- Annual fee is relatively low at ₹1,000.
- Fee waiver applies at ₹2,50,000 annual spend.
- Use this when dining spends are your main use case and the listed caps/exclusions still fit your usage.
Verify before applying
- Annual fee known
- Fee waiver available
- Forex markup known
- No lounge access
- ₹5,000 welcome benefit listed
- Welcome benefit timing may vary
- Monthly interest known
- Welcome benefit timing and claim process.
- Lounge spend criteria, guest rules, and visit caps.
- Annual fee waiver terms and eligible spend exclusions.
- Issuer fees, GST, finance charges, and late-payment terms.
- Reward terms to verify: base earn is 3 points per ₹150. Reward earn mentions caps or periodic limits. Utility reward rate is capped at 2,000 points per month. Insurance reward rate is capped at 2,000 points per day. Some reward rules exclude wallet loading. Still verify redemption rules.
Next best move
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 at ₹2,50,000 annual spend. Verify eligible spend exclusions before counting on it.
When do welcome benefits arrive?
A welcome benefit worth ₹5,000 is listed, but timing may depend on joining fee payment, card activation, first eligible transaction, or issuer processing.
Spending requirements
Spend gates · caps · milestone thresholdsRequirementAmountPeriodUnlocksRealismStrength
Annual fee waiver₹2,50,000yearAnnual fee waiverhighstrong
Watch outs
Before choosing this card- Forex markup is 3.5%, so frequent international spends may be costly.
Reward reality
Point value · limits · exclusionsPoint valueNot published by issuer — varies by redemption
Base earn3 points per ₹150
Best verified laneDining10 pts / ₹150
Limits/capsInsurance: up to ₹1,00,000 per day; excess not counted unless source allows fallback; Utility: up to ₹1,00,000 per month; excess not counted unless source allows fallback
Exclusions/no-earnSome reward rules exclude wallet loading.
Reward rules
Structured earn rates · eligibility · caps when they bindScopeRateEligibilityLimit
Dining10 pts / ₹150Weekday dining spends earn 10 Reward Points per ₹150.—
General spend3 pts / ₹1503 Reward Points per ₹150 on eligible spends. Education payments via CRED/Cheq…—
Insurance3 pts / ₹150Insurance spends earn 3 RP/₹150 but Reward Points are capped at 2,000/day.up to ₹1,00,000 per day; excess not counted unless source allows fallback
Utility3 pts / ₹150Utility/telecom/cable spends earn 3 RP/₹150 but Reward Points are capped at 2…up to ₹1,00,000 per month; excess not counted unless source allows fallback
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: Estimated using base earn (3 pts / ₹150). ~1,000 pts/month. Partner/category bonuses not included.
- 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 factsBenefits
Lounge Access
- Domestic (cardholder)
- —
- International (cardholder)
- Not included
Rewards
- Base earn
- 3 pts / ₹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
- ₹2,50,000 · verified 19 Jun 2026 Above catalog median waiver (₹2,00,000 vs ₹2,50,000).
- Interest-free period
- Up to 50 days · verified 7 Jul 2026
International Use
- Forex markup
- 3.5%
3 sources agree · verify issuer terms before applying
Where to verify
- CardInsider
- Cred HDFC Platinum Times
- Operator-verified anchor
- Issuer site (verify current terms) (opens in new tab)
- Product tier
- Mid-tier
Fuel Benefits
At the pump- 1% fuel surcharge waived on transactions ₹400–₹5,000.
- Maximum waiver ₹500 per statement cycle.
Annual fee break-even math
When does this card pay for itself ₹2.5L yearly spend to waive the annual fee
Annual fee waiver applies at around ₹2.5L yearly spend.
Compare with similar cards
Similar tier · similar benefitsThe fine print
Caps · exclusions · sources · last refresh- Category cap: 2,000 RP per month · Utility
- Category cap: 2,000 RP per day · Insurance
These spends do not earn reward points.
Payments
- Education
Financial
- EMI
- Wallet loads
- Fuel
- Insurance premiums
Utilities
- Utilities
- Annual fee: ₹1,000.
- Forex markup currently listed at 3.5%.
- — domestic lounge.