Platinum Times Credit Card

Click here to view the changes in HDFC Bank Platinum Times Credit Card effective 15th May 2026.

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Card Benefits and Features

Know more about the card

Credit Card Management & Controls

    Netbanking

    To enable card controls for your HDFC Bank Credit Card through NetBanking, follow these steps:

    1. Log in to HDFC Bank NetBanking using your Customer ID.

    2. Go to the Cards Tab >Select the card > Click Manage card>Manage Domestic and International Limits.

    3. You will be able to view your existing daily domestic and international usage limits.

    4. Enable or disable Online, Contactless, and International usage based on your preference.

    5. Click ‘Update’, enter the OTP received on your registered mobile number, and then click ‘Continue’.

    6. Your selected card controls will be updated instantly.

    Mobile Banking

    To enable card controls for your HDFC Bank Credit Card conveniently through our HDFC Bank MobileBanking App, follow these steps:

    1. Open the HDFC Bank MobileBanking App and log in using your credentials.

    2. Go to the ‘Cards’ section from the menu.

    3. Select the HDFC Bank Credit Card for which you want to enable card controls.

    4. Click ‘Manage Limits’, then enable/disable transaction types such as Online Transactions, Contactless Payments, and International Usage, or set transaction limits according to your preference.

    5. Click ‘Update’ to confirm your changes and enter your MPIN. The updated card control settings will be applied instantly.

    For more detailed management, you can also use our MyCards platform at https://mycards.hdfc.bank.in/ which offers a seamless experience without the need for passwords or downloads.

    MyCards

    To enable card controls for your HDFC Bank Credit Card via MyCards, follow these steps:

    1. Visit the MyCards portal- https://mycards.hdfc.bank.in/ on your desktop or mobile.

    2. Log in using your registered mobile number and the OTP received.

    3. For first-time users, enter the last four digits of your card.

    4. On the card homepage, click the ‘Card Control’ tab.

    5. Enable/disable features such as Online Transactions, Contactless Transactions, International Usage, and set usage limits as per your preference.

    6. Confirm your settings, and the changes will be applied instantly.

    PayZapp

    You can conveniently enable card controls for your HDFC Bank Credit Card through PayZapp by following these steps:

    1. Open the PayZapp app and log in using your credentials.

    2. On the homepage, tap the ‘MyCards’ tab> Select ‘Go to MyCards’.

    3. Log in using your registered mobile number and the OTP sent to your mobile.

    4. If you are a first-time user, enter the last four digits of your HDFC Bank Credit Card.

    5. On the card homepage, tap the ‘Card Control’ tab.

    6. Enable or disable features such as Online Transactions, Contactless Transactions, and International Usage, or set usage limits according to your preference.

    7. Confirm your settings. The updated card control settings will be applied instantly.

    WhatsApp Banking

    To enable card controls for your HDFC Bank Credit Card using WhatsApp Banking, follow the steps given below:

    1. Add HDFC Bank’s official WhatsApp number – 7070022222– to your contacts.

    2. Send the text "Credit Card" to this number.

    3. You will receive a reply with options. Choose the option “Manage My Card”

    4. You will receive a reply with options to select “Domestic / International/ Enhance limits”

    5. Choose the option you want to enable, such as Domestic Online Transactions, Contactless Transactions, or International Transactions.

    6. Enter the transaction limit you want to set. An OTP will be sent to your registered mobile number. Enter the OTP to confirm the change.

    7. Enter the last 4 digits of your Credit Card number.

    8. The current status of the selected transaction type will be shown as Enabled.

    IVR

    To enable or modify your HDFC Bank Credit Card controls and transaction limits, you can contact HDFC Bank's toll-free numbers:

  • Toll-free numbers: 1800 1600 or 1800 2600 (available from 8 am to 8 pm)
  • For overseas travel assistance: 022-61606160
  • By contacting our toll-free numbers, you can enable/modify limits for Domestic, International, Online, Contactless, ATM, and POS transactions on your Debit or Credit Card.

Card Management & Controls

Fees and Charges

  • Joining/Renewal Membership Fees ₹1,000 plus Applicable Taxes
  • Check Now for detailed Fees and Charges.

Note: Effective November 01, 2020, the following terms and conditions apply: 
The Bank retains the authority to revoke the card if it remains inactive, without any transactions, for six consecutive months. Prior written notice will be sent to the registered email address, phone number, or communication address as per the Bank's records.

Fees and Charges

Reward Redemption

  • Get 3 Reward Points for every ₹150 spent on your card.
  • Weekday Dining Bonanza Reward Points.
  • Earn 10 Reward Points on every ₹150 spent on dining spends on weekdays.

(Note- Applicable only for transactions categorised under 'Restaurant' MCC)

  • Reward Points will remain valid for 2 years from the date of earning.
  • Click here to redeem.

Changes effective from 1st Sept', 2024:

  • Reward Points accrued for utility/telecom/cable transactions will be capped at 2,000/month.
  • Education payments made via CRED, Cheq, MobiKwik, etc. will not earn Reward Points.

Changes effective 1st Jan’, 2023:

  • 1% fee on rental transactions from the second transaction of the calendar month.
  • 1% markup on DCC transactions.
  • Rewards on grocery transactions will be capped at 1,000 per month.

Changes effective from 1st July, 2017:

  • EasyEMI and e-wallet loading transactions will not accumulate 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 day.
  • Rewards Points will not be accrued for fuel transactions.
Card Control and Redemption

More rewards with PayZapp

  • Link your HDFC Bank Platinum Times Credit Card on PayZapp.
  • Extra CashBack and CashPoints on utility bills, mobile recharge, and more.
  • ₹1,000 CashBack on shopping in-app on 200 plus brands.
  • Securely pay without the hassle of OTPs with ‘Swipe to Pay.’
More rewards with PayZapp

Credit and Safety

  • Revolving Credit is available at a nominal interest rate.
  • Get Up to 50 days of interest-free credit from the date of purchase.
  • The offer is subject to submission of the charge by the merchant.
  • Stay protected against unauthorised use when you shop anywhere with EMV Chip Card technology
  • Zero liability on fraudulent Credit Card transactions reported immediately to HDFC’s 24/7 helpline
Credit and Safety

Contactless Payment

  • This Card is enabled* for contactless payments at retail outlets.

*Note:

  • In India, contactless payments up to ₹5,000 per transaction don’t require a PIN entry.
  • For amounts ₹5,000 or more, the cardholder must enter their Credit Card PIN for security.
  • You may check for the Contactless Network Symbol on your card.
Contactless Payment

Most Important Terms and Conditions

  • The Most Important Terms and Conditions for each of our banking offerings features all the specific terms and conditions that govern their use. You must go through it thoroughly to fully understand the terms and conditions applicable to any banking product you choose.
Most Important Terms and Conditions

Frequently Asked Questions

Yes, the HDFC Bank Platinum Times Credit Card allows you to make international transactions, providing you with global spending flexibility.

The credit limit on the Platinum Times Credit Card varies based on individual creditworthiness, rewards ​Credit Card eligibility, and the bank's assessment.

Enjoy exclusive movie ticket booking offers on the Platinum Times Credit Card, including a 50% discount on BookMyShow, earning you additional reward points.

To best use the Platinum Times Credit Card, ensure you use it for online and offline transactions for shopping, food and beverages, movie ticket bookings from BookMyShow, and other utility/bill payments. Moreover, spending over ₹2.5 lakh in a year also gets a renewal fee waiver allowing you to earn more savings with more spends.

The bank determines the minimum repayment amount for the HDFC Bank Platinum Times Credit Card, a top rewards Credit Card in India, and may vary based on the outstanding balance. Check your monthly statement for specific details.

The HDFC Bank Platinum Times Credit Card, designed for rewards enthusiasts, exclusive benefits for entertainment, dining, and shopping.