Platinum Edge
HDFC Bank · Credit card

Platinum Edge

A credit card from HDFC Bank. Facts below come from the issuer's own documents. Network: Visa or Mastercard.

PE
Annual fee
₹599
Fee waiver
Spend ₹50,000 a year
Rewards
  • 2 Reward Points per ₹200 eligible spends
  • 50% extra Reward Points at premium restaurants

Benefits & rewards

Issuer information
Rewards
  • 2 Reward Points per ₹200 eligible spends
  • 50% extra Reward Points at premium restaurants
Reward cap
Not available
Lounge access
Not included
Does not earn on
Per HDFC MITC: Cash on Call, Balance Transfer, and Cash Withdrawal are excluded from eligible spend for fee waiver purposes. · No reward points on fuel transactions. · NRIs and pensioners ineligible. · CIBIL score below 750 ineligible. · Insurance: Accidental death coverage up to ₹50 lakh (no cost).
Read the issuer's benefit terms ↗

Fees, eligibility & repayment

Issuer information
Annual fee
₹599
Joining fee
₹599
Fee waiver
Spend ₹50,000 in a year
Foreign purchases
3.5% markup on international spends
Eligibility
Not available
Repayment
Pay the full statement balance to avoid interest; interest and late fees follow the issuer's schedule of charges.

What changed

Issuer information

Differences found when this card's published terms were re-verified against HDFC Bank's own pages. Only independently approved changes appear here.

  1. Annual fee
    Changed
    ₹1,000 + GST per subsequent year. First year FREE. Waived on annual spends of ₹50,000 or more before renewal date.; ₹1,000 + GST per subsequent year. First year FREE. Waived on spends of ₹50,000 or more in a year before renewal date.₹599

    Annual fee changed from ₹1,000 + GST per subsequent year. First year FREE. Waived on annual spends of ₹50,000 or more before renewal date.; ₹1,000 + GST per subsequent year. First year FREE. Waived on spends of ₹50,000 or more in a year before renewal date. to ₹599

    Verified 12 Sep 2026 · previous value recorded 26 Jul 2026 · issuer page
  2. Joining fee
    Changed
    ₹0 (NIL) — First year membership free. No joining fee charged for new applicants.; ₹0 (NIL) — First year membership free. No joining fee charged.₹599

    Joining fee changed from ₹0 (NIL) — First year membership free. No joining fee charged for new applicants.; ₹0 (NIL) — First year membership free. No joining fee charged. to ₹599

    Verified 12 Sep 2026 · previous value recorded 26 Jul 2026 · issuer page
  3. Reward rates
    Changed
    general 2 Reward Points for every ₹200 spent2 Reward Points per ₹200 eligible spends; 50% extra Reward Points at premium restaurants.

    Reward rates changed from general 2 Reward Points for every ₹200 spent to 2 Reward Points per ₹200 eligible spends; 50% extra Reward Points at premium restaurants.

    Verified 12 Sep 2026 · previous value recorded 26 Jul 2026 · issuer page

Cardholder experience

Experience notes

No admissible cardholder observations are on file for this card yet. Nothing is invented to fill the gap.

Offers on this card

No verified offer currently names this exact card. Offers from the same bank for other cards are not assumed to apply.