Platinum Edge

Platinum Edge

Enjoy CashBack on everyday spends only with Platinum Edge Credit Card.

• Already have a Platinum Edge Credit Card?
• Make the most of your Credit Card

Features

• 2 Reward Points (RP) on Rs 150 spent. 50% more RP on dining spends
• Effective 1st July'2017,
  - 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.
• Redeem RP as CashBack against outstanding amount on your Credit Card. (100 Reward Points = Rs. 10)
• Zero Lost Card liability post reporting of the loss of card

Know more

Benefits

• Do minimum 4 transactions using Credit card every month and get
  
  • Free Accidental Death Insurance upto 50Lakhs*
  • Free Fire and Burglary protection for goods above Rs.5000 for 180 days
  Conditions Apply : Click here

Click here for Credit Card Usage Guide

What are the features and benefits of a Platinum Edge Credit Card?

You will get some exclusive features and benefits with your HDFC Bank Platinum Edge Credit Card

Features

• Platinum Rewards
  You will now enjoy spending on your HDFC Bank Platinum Edge Credit Card with 2 Reward Points for every Rs. 150 you spend. Accumulate the Reward Points and redeem them as CashBack against the outstanding amount on your Credit Card. (100 Reward Points = Rs. 10). Redeem your Reward Points for exciting gifts & air miles from an exclusive rewards catalogue, at the applicable redemption rate. Click here for further details.
  
  *Effective 15th April 2016, Reward Points will not be accrued for fuel transactions
  
  
  Only retail purchases qualify for Reward Points. Cash advance, fees and other charges do not accrue any reward points. Transaction amounts less than Rs. 150 will not accrue any Reward Points. Please note payment of at least Minimum Amount Due is required even if you are redeeming your Reward Points against outstanding on your Card Account.
• Power Dining
  Your HDFC Bank Platinum Edge Credit Card gives you more reasons to dine out. Enjoy 50% more reward points* on all your Dining spends. Now every meal will be more rewarding.
  
  
  * 50% more Reward Points are offered to the Cardholders only on those transactions which are classified under the 'Restaurant' Merchant Category Code (MCC) as defined by VISA/ MasterCard. Merchant Category Code (MCC) classified under ‘Hotel’ categories will not qualify for 50% more Reward Points.
• Fuel Surcharge waiver
  1% Fuel Surcharge waived off on fuel transactions ( Minimum transaction of INR 400, Maximum Cashback of INR 250 per statement cycle).
• Safe & Secure Transactions
  DIP your Chip Card at any Chip enabled POS or swipe your card at any non-chip POS (Regular POS).
• Zero liability on lost card
  If you lose your Card, report it immediately to our 24-hour call centre. After reporting the loss, you have a zero liability on any fraudulent transactions made on your card.
• Revolving Credit
  Enjoy Revolving Credit on your Credit Card at nominal interest rate, refer Fees and Charges section.
• Interest free credit
  Avail up to 50 days of interest free period from the date of purchase (subject to the submission of the charge by the Merchant).
• Reward points validity
  Reward points are valid only for 2 years from the date of accumulation.
  ex:- if you receive reward points in May 2015, same will expire in May 2017.
  Minimum 2500 Reward Points needed for reward redemption.
• Credit Card Offers: Click here for exclusive offers on your HDFC Bank Credit Card.

Eligibility

You are eligible for a Platinum Edge Credit Card based on the following:
Salaried Employee

• Minimum Age 21 years
• Maximum Age 60 years

Self Employed

• Minimum Age 21 years
• Maximum Age 65 years

fees and charges applicable to a Platinum Edge Credit Card?

Please click here to view the fees and charges applicable on your Platinum Edge Credit Card.
Goods and Services Tax (GST)

• Effective 1st July 2017 Service Tax , KKC & SBC of 15% is replaced by Goods&Service Tax (GST) at 18%
• The applicable GST would be dependent on place of provision (POP) and place of supply (POS).If POP and POS is in the same state then applicable GST would be CGST and SGST/UTGST else, IGST.
• GST For FEE & Charges / Interest transactions Billed on statement date will reflect in next month statement.
• GST levied will not be reversed on Any dispute on Fee & Charges / interest.

EMV Chip Cards

HDFC Bank welcomes you to the world of EMV Chip Cards. This range of Credit Cards comes equipped with a Chip Technology that provides you with enhanced security.
At HDFC Bank, we understand your need for safer and more secure transactions. With HDFC Bank’s range of EMV Chip Cards you can rest assured that your card transactions are safe and completely secure.
The Chip Card processes your data with unparalleled security and it is virtually impossible to copy or tamper with. It also protects your card against counterfeiting and skimming.
EMV Chip Cards are currently available on the following Cards:

• Regalia
• Superia
• Platinum Edge
• Titanium Edge
• Solitaire
• Solitaire Premium
• Doctor's Superia
• Doctor's Platinum
• JetPrivilege HDFC Bank World
• JetPrivilege HDFC Bank Platinum
• JetPrivilege HDFC Bank Titanium
• Teacher's Platinum
• Platinum Plus
• Visa Signature
• World Mastercard
• Titanium

A Must On Your International Tours
Your International travel and shopping experience should always be secure. Here's where your HDFC Bank EMV Chip Credit Card enables you to travel the world, dine at the finest restaurants, shop at the best places and soak in and enjoy the best experiences from around the world without having to worry about security of your transactions. Your Chip Credit Card helps protect you from fraudsters, forgers and all other security risks that you may face while using your Credit Card.
There are quite a few countries today where it is considered risky to use Credit Cards as the risks are high. HDFC Bank's EMV Chip Credit Cards helps you side-step this hurdle and provides you with a convenient and satisfying experience on your international trips.

Have questions?

How do I use a Chip Card?

A merchant has to tap the card in the POS terminal as opposed to swiping the card.
Step1: Tap the card in a POS terminal
Step2: Enter the amount
Step3: Do not remove the card till the charge-slip is printed
Step4: Take the customer's signature on the charge-slip

Can HDFC Bank Chip cards be used as a normal Swipe card?

Your HDFC Bank Chip contains the regular magnetic strip in addition to the embedded micro-chip.

Does HDFC Bank’s Chip Card contain a magnetic strip?

Yes it does. This is because it will take time for all stores and restaurants to be set up with chip-enabled terminals. So to ensure your HDFC Bank Chip Card continues to be accepted everywhere, it contains a magnetic strip in addition to the chip.

What are the benefits of a Chip Card?

A Chip Card is a Credit Card with an embedded microchip. The Chip is encrypted and provides enhanced security and protection to help guard against fraudulent transactions. When you use your Chip Card at stores or restaurants that have Chip-enabled terminals and at ATMs,the system validates the Chip ensuring security of your transaction.

Can a chip card be used for online transactions?

Yes the chip card can be used for online transactions, the card has to be registered for 'Verified by Visa'/’MasterCard SecureCode’ which ensures safe online transactions after which the card can be used online.

Have more questions, check our FAQs Section 

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