HDFC Platinum Times Credit Card
The HDFC Platinum Times Credit Card is called the "Entertainment Card" by HDFC Bank. It's great for people who love movies, dining out, and shopping. This card was created with Times Internet to help young people save money and earn rewards. You get 10 reward points for spending Rs. 150 on weekday dining and 3 points for every Rs. 150 spent on other things. You can use these points by logging into your HDFC net banking account.
The card costs Rs. 1,000 per year, but the fee is waived if you spend Rs. 2.5 lakh in a year. You also get a 50% discount on movie tickets and extra points for dining on weekends. The interest rate is 40.8% per year. It’s a good option for beginners who want simple and fun benefits at a low cost. However, this card is mostly about dining and movie perks. If you want more rewards like travel benefits or cashback on all transactions, you may want to consider other cards. But for movie lovers and foodies, it’s definitely worth checking out.
Rewards and Benefits
Fees & Charges
Can I use my HDFC Platinum Times Credit Card for international purchases?
Yes, you can use the card for international transactions. A 3.50% mark-up fee applies to all transactions abroad, including retail and online purchases. This fee also applies to transactions in India if the POS machine is located in another country, like duty-free shops.
Which card is better: HDFC Titanium Times or HDFC Platinum Times Credit Card?
The key difference is the reward points and annual fees. The Titanium Times card charges an annual fee of Rs. 500 (waived if Rs. 1.50 Lakh is spent), while the Platinum Times card charges Rs. 1,000 annually (waived if Rs. 2.50 Lakh is spent).
Does the HDFC Platinum Times Credit Card offer cashback or Airmiles?
The card doesn't offer cashback, but you can convert your reward points into Airmiles. You'll receive 100 Intermiles for every 1,000 reward points.
What are the best features of the HDFC Platinum Times Credit Card?
The card is most beneficial for movie and dining-related purchases due to its rewards structure.
What is the minimum payment required on the HDFC Platinum Times Credit Card?
You are required to pay at least 5% of your outstanding balance, with a minimum amount of Rs. 200.
How do I redeem my reward points from the Platinum Times Credit Card?
You can redeem your reward points via net banking or post, following the detailed instructions in the card guide.
Can I transfer balances from other credit cards to the HDFC Platinum Times Credit Card?
Yes, you can transfer balances from other credit cards to the Platinum Times card. The balance transfer fee is Rs. 250 or 1% of the transferred amount, whichever is greater.
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