HDFC Bank Platinum Plus Credit Card

1. Get 2 Reward Points per Rs.150 that you spend.
2. Get 50% more Reward Points on incremental spends above Rs.50,000 per statement cycle.
   1. In this case, you get 3 Reward Points per Rs.150 that you spend that is over Rs.50,000.

Insurance Coverage

With this credit card, you get two types of insurance coverage:

1. Accidental death insurance
2. Fire and burglary protection

Accidental Death Insurance

For this insurance to kick in, you will have to:

1. Make a minimum of 4 transactions of Rs.100 (or more) each in a calendar month.
2. You then get accidental death insurance cover up to 5 times your credit limit (up to Rs.50 lakh).

Purchase protection for fire and burglary insurance

For the purchase protection to kick in, you need to:

1. Purchase a product for at least Rs.5,000.
2. Make a claim 180 days post the purchase of the product. Any claim made post this 180 day period will not be considered.

The insurance coverage will depend on the type of product you purchase.

1. For personal portable equipment, the insurance coverage is Rs.25,000 per item.
2. For all other assets, the maximum insurance coverage is up to Rs.2 lakh.

Easy Utility Bill Payments

Register your card with HDFC's utility bill payment service, SmartPay, and you won't have to worry about missing a bill payment again.

Free Add-on Cards

Get up to 3 HDFC add-on credit cards with your HDFC Bank Platinum Plus Credit Card. The best part? These three add-on cards are free for life. So, your family can feel the joy of owning the card at no added expense.

HDFC Bank Platinum Plus Credit Card Credit Limit

The credit limit on your card is the total amount you can spend without incurring any type of penalty for spending over the limit.

With respect to your Platinum Plus Credit Card, the bank will intimate the credit limit to you when they process your application or they hand over the card to you.

The limit on your card will depend on a number of factors and as such differs from person to person. In general, however, the factors that go into determining the credit limit on your card include your employment status, your annual income, the amount of debt you currently have, the number of credit cards you currently own, your credit repayment history, and your credit score among others.

Reward Point Benefits on Your Platinum Plus Credit Card

Each time you use your card, you earn:

1. 2 Reward Points per Rs.150 spent.
2. 50% more Reward Points on incremental spends above Rs.50,000 per billing period.
   1. This gives you 3 Reward Points per Rs.150 spent.

How to Redeem the Points You Earn on Your HDFC Bank Platinum Plus Credit Card

You can redeem the points you earn on your credit card for products or vouchers from the bank's rewards catalogue.

Here's how you can go ahead and redeem the points on your card:

1. Login to your HDFC net banking account.
2. If you haven't already registered your credit card, you will have to first register it and then proceed towards points redemption.
3. Select 'Redeem Reward Points' and proceed to the Online Redemption portal.
4. Select 'Redeem Reward Points' once again, adjust the points range, and view the items available for redemption.
5. Choose the items you wish and add them to your shopping cart.
6. Before checking out, ensure that details such as your address and email ID are correct. This is important since all products will be sent to your registered address. In case, any details have changed, you should first call HDFC credit card customer service and request them to update your details. Once the details have been updated, you can proceed with redeeming your points.
7. Select 'Redeem' and note down the redemptions order number. You will require this number for all further communication regarding this redemption.

How to Apply for the HDFC Bank Platinum Plus Credit Card

You can apply for this credit card on the bank's website. All you will have to do is provide the information required and submit the online application form.

Once this is done, you may either receive an SMS from the bank or a call from a representative of the bank to help process your application.

Alternatively, you can visit the bank's branch and apply for this card in person.

Fees and Charges for the HDFC Bank Platinum Plus Credit Card

Eligibility for the HDFC Bank Platinum Plus Credit Card

HDFC will determine whether or not you are eligible for this card. Here are the age criteria to meet to be able to apply for this card:

Salaried Individuals

1. Minimum age: 21 years
2. Maximum age: 60 years

Self-employed Individuals

1. Minimum age: 21 years
2. Maximum age: 65 years

Documents Required for the HDFC Bank Platinum Plus Credit Card

The kind of documents required will differ from person to person. In general, however, these are the documents that you may be required to provide at the time of application:

1. Identity-related documents: These documents include (but are not limited to) your Aadhaar card, PAN card, passport, and driving licence among others.
2. Address proof documents: Documents that you can submit as address proof include your passport, Aadhaar card, ration card, etc.
3. Income proof documents: These include (but are not limited to) your latest payslips, your latest income tax returns, your Form 16, etc.

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