HDFC Bank Platinum Edge Credit Card
HDFC Bank · Closed to new applicants
A basic HDFC rewards card, closed to new applicants: ₹599 a year, 2 reward points per ₹200 and 50% more at premium restaurants, with a fuel surcharge waiver. Not valued: no usable point value is published.
- Annual fee
- ₹599 + GST a year
- Joining fee
- ₹599 + GST
- Lounges
- None on record
- Forex markup
- 3.5%
- Data
- Terms not entered, checked 20 Oct 2026
Where the sources disagree
- annual fee: The fees page FAQ says the card's charges "don't include any annual fees" and "There are no annual fees for this Credit Card" (in the same answer it speaks of a renewal fee waiver). MITC v4.15 lists Platinum Edge at ₹599. The MITC is used.
- renewal fee waiver: The fees page says the renewal fee is waived on spending ₹50,000 or more in a year. MITC v4.15 shows "NA" for the waiver of Platinum Edge. The MITC is used (no waiver entered); an older MITC (v1.76) also named Platinum Edge in the ₹50,000 waiver row.
- interest rate: The fees page says 3.49% a month. MITC v4.15 gives 3.75% for all variants other than the 1.99% cards. The MITC is used.
Terms the calculator does not value
- Earn rules are not entered because no reward point value is published for this card. HDFC lists 2 reward points per ₹200 (product page and 15 May 2026 notice; transactions below ₹200 earn nothing), 50% more points at premium restaurants, 2-year point expiry and the general exclusions of MITC v4.15.
- The page offers gifts, air miles and cashback redemption without values, and the MITC cashback value table does not name Platinum Edge, so no currency is entered.
Sources
- Platinum Edge credit card product page (Product page, the bank's own, read 20 Oct 2026)
- Platinum Edge credit card fees and charges page (FAQ, the bank's own, read 20 Oct 2026)
- HDFC Bank credit cards Most Important Terms and Conditions (Key Fact Statement), version 4.15, updated 17 October 2026 (Most important terms (MITC), the bank's own, read 20 Oct 2026)
- HDFC Bank notice "Updates on your credit card rewards, fees & charges", effective 15 May 2026 (generic mailer linked from the product page) (Bank notice, the bank's own, read 20 Oct 2026)
- HDFC Bank credit cards MITC (Key Fact Statement), version 2.3, November 2024 (older version, linked from the Diners Club Premium page) (Most important terms (MITC), the bank's own, read 20 Oct 2026)